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    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
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Nat West PPI block


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Hello again,

 

Is anyone else having real problems with Nat West credit card PPI?

 

I filled out the online form to enquire if i had been missold PPI on two credit cards. A few weeks later i got a letter saying they had nothing on file and couldn't find an account number for me. Got back in touch and said i had specifically asked about credit cards as i don't have a bank account. Absolutely nothing from them. Filled out the online form again and highlighted it was credit cards only. Again nothing.

 

sent letter and money requesting SAR, a few weeks later got a letter saying they had assigned my request to someone and the request only gives me access to my personal data etc etc.

 

12 may got a phone call from nat west saying they couldn't send the SAR because their carriers don't deliver to Cyprus but they had sent me a secure SAR via the banks internet.

 

I received 38 documents of old statements, 2 letters from me about change of address and 1 bank info saying i had paid extra off my credit card.

 

i did not receive the initial credit card agreement, nor a copy of the letter they sent to me saying they had no information from me.

 

I emailed the chap back via the secure service and it was received the following day and asked him for a full printout of my history, plus the Notes on the Nat west archive and asked what was their data retention policy regarding credit card details. Also asked why they couldn't deliver SAR to me and who were their couriers?

 

this was on 16 May and to date nothing!

 

Any one with any ideas how i should proceed.

 

apologies if this is long winded but I'm stumped and wondering if i should put in a Plevins case if possible.

 

thanks for reading

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Where did you send your SAR request to

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Hi bankfodder,

 

I sent it to the address in Edinburgh and got a reply from the SAR team.

The woman who sent the letter said she was assigned to it but a guy who is the SAR’s administrator told me they couldn’t post the report and he’s the one who emailed me with the credit card statements.

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