Hello all, I have sent my first letter asking for them to pay me back my illegal bank charges. It comes to about £1,800, so wish me luck:)

Good Luck Sandra You Wont Need It:)

thanks so much just trying to understand about threads, new threads etc etc

I haven't quite got to grip with the thread thing. I am in the process of claiming about £1,800 from the vultures at this bank. I have sent my first letter asking them to repay their illegal charges. I have received a letter from them within the 14days limit telling me that my request has been forwarded to their offfice that deals with bank charges. they have given me 10 working days. Do I wait to hear from them or do I send them the letter before action now.

Any advice appreciated.

Thanks

Hi Sandra,

I would personally send the LBA according to YOUR deadlines. They could have forwarded your preliminary letter to another office the day they received it, it's not your fault they are so slow!

Don't let them use delaying tactics, you have been very clear on your deadline in your letter.

For further reassurance, I suggest you read the 'step-by-step guide' again (I refer to it frequently!).

Hope this helps!

Hi sandra

if you get lost at anytime click the dark blue consumeractiongroup at the top right corner of the blue section.

This will show you all the banks and sections in a list like a book index.

Under any one of those banks you will find many threads all stated by new members, click make a thread when you are in there and make it a V's thread. that will be your main claim.

return to the index and find your next bank, and again make a new thread.

When you want to update us or check you thread you will find it in that bank section.

if you want easy access to your thread, when you make it and apply it, when you see the finished result, look up to the right side of the thread and you will see thread tools hover mouse over it select subscribe and choose yes.

When you want to See your subscribed tools look at the top section again and use quick links select subscribed threads.

i hope this helps.

Bl:)

Hope you get back what you have claimed, its about time we got something out of these banks we,ve been [edit] for years.

Good luck:)

Please refrain from using such terms as mugged etc i hope a mod can edit this or shafted can come back and edit his thread, please don't give the banks an opportunity to get this site shut down.

Stick to your timetable, when the 14 days is up then send the LBA.

Hi Sandra

Good luck,just do a lot of reading, save bits you find might help later on, and stick to deadlines, that way further down the lie it shows you are true to your word and they cant throw things back at you, also sticking to deadlines gives you the oppertunity to read upon the next stage, and less mistakes are made.I had a response to my lba within days but im giving them until the 24th which is 14day deadline before i go on to the next step.

Good luck

Tracey

Hello, Can anybody advise me. I have received my reply from the infamous Stuart Higley at the Natwest saying no way do they owe me any money. The bit that is interesting quote "In your letter you have claimed that we have been acting as your fiduciary, which is not correct. This doesn't form part of the normal banker/customer relationship and if your claim is based on this premise I can only recommend that you seek independent advice". Is this a scaring tactic to put you off track

Just disregard that bit Sandra and carry on regardless. It's something they have started putting in but it's meaningless in the context of claiming back your charges.

Paul

Hi Paul,

thanks for your advice, read your thread with interest. Good luck to you

Still don't think:confused: I have got the hang of these threads, but hopefully I will get there. I am just about to sent off my LBA to the lovely Mr Higley. Do I sent it to the address on the letter I received Natwest House 225 Shenley road Borehamwood WD6 ITE or the Bishop Court in London. Also advice on when do I apply on the Moneyclaim site to take them to court. Do I wait till the 14days are up or when I hopefully get a reply.

Probably best to send it to the same place you sent your preliminary letter.

I personally sent my LBA to my local branch, it gets passed on to the relevant department via internal mail anyhow. You will be told when to use the registered address, usually ant the claim stage.

Its best to let the 14 days pass and then file claim, that way you have stuck to all the deadlines you have offered and given the bank every opportunity to respond positively.

Best of luck with your claim and keep us posted!!

Thanks for your advice, will keep you posted:)

Still don't think:confused: I have got the hang of these threads, but hopefully I will get there. I am just about to sent off my LBA to the lovely Mr Higley. Do I sent it to the address on the letter I received NatWest House 225 Shenley road Borehamwood WD6 ITE or the Bishop Court in London. Also advice on when do I apply on the Moneyclaim site to take them to court. Do I wait till the 14days are up or when I hopefully get a reply.

Hi Sandra,

I received the same letter from Mr Higley regarding "Fudicary" and i have ignored it, i sent LBA to him at Shenley Road, I have now completed claim form on moneyclaim and addressed that to 135 Bishopsgate.

Hope this helps.

Sharon

Hi Sharon,

Thanks for your advice. I will definately ignore it and I have sent my lba to hime at shenley road. Sounds like he'll be busy and justify his large salary. ha ha.

Hello, I think I've done a bobo!!!! I have sent off my lba to shenley rd. I runs out today and I have heard nothing. Been thinking about my account with the Ntwest. It has been closed for nearly a year after I reached a financial crisis and had to start a debt management plan. The natwest filed a default notice because I had a £1,100 overdraft which I could not pay. I have been making payments through a debt management scheme to them every month for the last 10 months to pay the overdraft off. I seems like a double insult to me. They have taken illegal bank charges from me totalling £1,660. Filed a default ntoice and are now making me pay them another £1,100. Is it to late to bring this matter to their attention. Do I write to them regarding the overdraft of £1,100, telling them to address this matter and that when they repay me back my unfair bank charges they must repay me the payments I have made against the overdraft and then write it off.

Do I send them another letter regarding this matter, giving them a bit more time and then file a court claim. I stated I was confused against the natwest, maybe I should of said thick.

Any advise would be most helpful

hi sandra

no you havn't messed this up, in a way you have actually done things just right.

Ok, so you have been defaulted and had your debt passed to a DCA.

Firstly, reclaim charges but along with that, insist that the default is removed from your credit file. When you have reclaimed your charges, you should use that to clear the debt. If there is still money owing or you have paid more than you should have then you have really strong grounds for disputing these amounts legally.

One user recently 'Allyxia' (read her threads. nationwide + NatWest) had a CCJ overturned, even though the debt was greater than the charges.

Defaults are not my speciality, so you need to do alot more reading, but all in all you are in a really good position to sort this problem out permanently

good luck and i'll try and bring this thread to the attention of someone who knows more about defaults.

I think this could be a good case for going for contractual interest. This appears on face value to an instance when the bank charges have compounded the problem and created the debt spiral. Have tyou had a look at Vampiress spreadsheets?

Well I have had no resonse to my LBA after 16days. I suppose this is quite normal. Or maybe that have not received it. Or maybe their response is somewhere in the xmas post. OR OR OR. !!!!!!!! So I am going on Money claim later.

Hello, Can anybody give me advice about the money claim. I have filled the Particulars of claim using the template. I have calculated the 8% interest over the six year period and then added on the 8% interest from the date of the last charge until today. Is that correct. I hope so, the total is going up and up:) . Another question Have the bank violated my human rights:confused: I feel like they have. but I need to know which box to tick.

Any help much appreciated

For your 8% intertest you need the figure that's been calculated up to the day you submit your claim through the courts. The spreadsheet should automatically calculate this if the date is correct on it.

The daily interest generated each day after your claim is filed will automatically be added on by the courts.

For the human rights box tick NO.

Many thanks for your advice will do asap.