Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

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Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Have you asked NatWest for charges back and they said no?

    I handed 2 DPA letters into my local branch on Saturday, the few bank statements I have which is for Mar 2000 - Dec 2000 I have calculated at least 1k.

    This was at a time we both myself and hubby were both lost of jobs because of company moves etc, so having all these additional charges placed upon us was not what we needed.

    Thankfully we are now in a position where we don't have any charges, I cancelled all my DDicon's and only pay bills when there is free money, it takes time but the savings on charges is worth the effort.

    Because we are no longer receiving charges will this effect our claim?

    Also I cannot see any where in the FAQ section if the 40 days are banking days or just 40 days if someone could advise this would be good.

    I wish everyone else luck with their claims.

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    Default

    40 days is just like Lent - neve stops.

    Go ahead and claim your charges.



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    Default

    Nat West Letter rcvd today:-

    Thank you for your letter dated 10th March requesting copy statements since March 2000.

    You refer to account number xxxx but this was closed in December 2000. The account presently open in you name is numbered xxxxx and this has been opened since prior to March 2000. I therefore assume that you require copies of the statements relation to this account. These have been ordered and I should be in a position to forward them to you within the next 10 working days.

    Please do not hesitate to contact this office if you should have any queries concerning my letter.

    Yours sincerely

    David Forshew
    Senior Business Associate.


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    Default

    I called and checked that statements had been ordered for both accounts, as I knew the one account was closed!

    Also how much would they charge me for statments they said they would be free




    Abbey also returned my cheque today and said there would be not charge something funny going on I think?


  5. #5
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    Default Default Notice

    I have done a search and cannot find an answer to this if it's been mentioned before sorry but I have searched before posting

    QUOTE From letter requesting payment

    Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by he taking by you of penalty charges which you had applied unlawfully to my account.

    Can anyone advise me how long a default notice stays on your file?

    I have a couple going back to 2004, which I don't know if they would still show on my credit score, so should I add the above comment or leave it out.

    So what I am asking is will they still effect on my credit rating?

    Thanks


  6. #6
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    Default Re: Default Notice

    Default notices stay on you credit file for six years - it may be an idea to get a copy of your files from Experian and Equifax.


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    Default Re: Default Notice

    Quote Originally Posted by tarka
    Default notices stay on you credit file for six years - it may be an idea to get a copy of your files from Experian and Equifax.
    Don't forget CallCredit as well.

    Ex CAG helper ^_^
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    Default Re: Default Notice

    There are too many credit ref agencies in my opinion.

    One should be enough. Why do we need three?

    Tighter regulation of this arena is needed methinks.

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  9. #9
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    Default Re: Default Notice

    Totally agreed Dave, maybe this could be the next challenge?

    If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks
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    Default Re: Default Notice

    How worried should I be about this?

    I have no credit cards all my bills are now paid, apart from the NatWest account being overdrawn by 400 (which I could pay back if I needed to I don't use this anymore and I pay 5 in every week to reduce the balance I could pay more but it's a principal thing),

    I have just got a mobile phone on contract which I was refused a few years ago, I guess my credit score now is ok, am I wrong to assume this?

    The dates on the defauls were 2004 if it makes any difference


  11. #11
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    Default Re: Default Notice

    As someone has already said, they will remain on your file for six years after they were issued. If they have been satisfied (ie paid off) then they will probably not stop you getting a mortgageicon. However, even now they might stop you opening a business bank account, make it more difficult to get a personal current account or a credit card and mean that you would be charged a slightly higher rate on your mortgageicon.

    How you proceed is your decision and whilst it doesn't sound as if you suffered any loss, you may, as a matter of principal, want to chase the bank about this. Why should they be allowed to put defamatory information on your credit file for not paying their unlawful charges?


  12. #12
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    Default Preliminary letter sent 03/04/2006

    I have today posted my preliminary letter through the dooricon of my local branch

    I estimate they owe me:-

    2194.77 for one account

    650.93 for another.

    One think I have noticed going through my statement the amount of interest you get charged by them compared to the pennies they pay you in interest, these banks must be making a small fortune


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    Default Re: DPA Letter

    That's how banks used to make their money. Mind you, that was when they were much smaller and they served the community rather than helping themselves.


  14. #14
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    Default Re: Default Notice

    Thanks I have included it in my letter but was curious to see what effects it could have.

    I have opened bank accounts recently and have a business account so I don't think it has effected me to much, but it's good to know what damage it could do.

    Thanks for your answers

    Nat West Settled 2 acct's before action:

    2194.77 settled 1904.00 08/01/2007 less interest
    650.93 Settled overpaid GOGW 850.00 02/01/2007


    Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)
    Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying
    LBA 22/01/07

    14/02/07 N1 filed @ local court
    21/02/07 issued claim
    23/02/07 deemed served
    25/02/07 Abbey acknowledgement defend in full.
    19/03/07 defence + 50% GOGW
    13/04/07 AQ final day for submission
    30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"
    01/05/07 Judgement order

    8/05/07 Warrant of Execution requested


    Media coverage

    http://news.bbc.co.uk/1/hi/business/6701231.stm

    http://www.newburytoday.co.uk/News/A...articleID=4505


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    Default Preliminary letter

    I have now rcvd the standard letter in reply to my preliminary letter I sent to the bank

    "We believe that our charges are fair., reasonable and transparent etc and charges must stand.

    I also raised the matter ref the defaults I have been charged for and this was the response:-

    Turning your question of the default letters issued to you, your account was not transfered to our Credit Management Services Dep and therefore your debt was unlikely to have been registered. The only way this can be confirmed is by obtaining a copy of the Equifax report, as this will detail all registrations. I cannot obtain this inforamtion on your behalf, but you could do so by completing the enclosed application form and sending it to Equifax. There is a £2 fee for the service, but if you were to obtain the copy fo the report and forward it to me, then I wil refund the £2 to your account. In addition, if the default has been registered I will arrange for the relevant entry to be removed.





    So if they are saying they have not transfered my account to the Credit management services why did they keep charging me for defaults on my account, the other thing that I have also just remembered it they arrange for me to take a loan out at some stupid rate to repay the overdraft, so it must have been passed on.

    Do they know what they are doing? As they are saying in one statement the charges are fair and in the other if they have put a default on my account they will remove it?

    I guess it's now a case of sending the letter before actionicon, any comments on the above would be appreciated.

    Before I send for the Equifax report I have just applied for a zero % credit card, if I ask for my credit before I get the card will this count as a search?

    Nat West Settled 2 acct's before action:

    2194.77 settled 1904.00 08/01/2007 less interest
    650.93 Settled overpaid GOGW 850.00 02/01/2007


    Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)
    Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying
    LBA 22/01/07

    14/02/07 N1 filed @ local court
    21/02/07 issued claim
    23/02/07 deemed served
    25/02/07 Abbey acknowledgement defend in full.
    19/03/07 defence + 50% GOGW
    13/04/07 AQ final day for submission
    30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"
    01/05/07 Judgement order

    8/05/07 Warrant of Execution requested


    Media coverage

    http://news.bbc.co.uk/1/hi/business/6701231.stm

    http://www.newburytoday.co.uk/News/A...articleID=4505


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  16. #16
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    Default Re: DPA Letter

    lbaicon handed to staff at my local branch 20/04/2006

    Nat West Settled 2 acct's before action:

    2194.77 settled 1904.00 08/01/2007 less interest
    650.93 Settled overpaid GOGW 850.00 02/01/2007


    Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)
    Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying
    LBA 22/01/07

    14/02/07 N1 filed @ local court
    21/02/07 issued claim
    23/02/07 deemed served
    25/02/07 Abbey acknowledgement defend in full.
    19/03/07 defence + 50% GOGW
    13/04/07 AQ final day for submission
    30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"
    01/05/07 Judgement order

    8/05/07 Warrant of Execution requested


    Media coverage

    http://news.bbc.co.uk/1/hi/business/6701231.stm

    http://www.newburytoday.co.uk/News/A...articleID=4505


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  17. #17
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    Default Re: DPA Letter

    did you get payed by natwest?


  18. #18
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    Default Natwest made an offer and are now paying less

    Hi everyone and Happy New Year to you all.

    I have a problem with Natwest again so I will try and keep it short and hopefully someone will be able to offer me some advice.

    I applied to Nat West back in April regarding my charges on two accounts got letter back on both accounts saying would not pay up, at the time I had rather more pressing stuff going on to worry about following this on.

    So in December I wrote to them again asking for my money back to my surprise I got a letter in the new year offering me 850.93 I checked my records and I had put a claim in for 650 and 2194.77

    The first letter I received late December was advising that they would refund all unarranged borrowing card misuse paid referal fees accrued and as a gesture of good willicon and without admission of liability or error and the charges are fair reasonable and transparent etc, total 850.93 there was no mention of account number on my letter, so I called them and was told it was an error and the letter was wrong they were paying 2194.77 if I went into the branch they could fax the department for me so I could accept the correct amount.

    So off I go into my branch explained the whole story and the customer service lady made some calls and advised that the 850 offered in the letter was for my account which I had closed, I was only asking for 650 she said they have given you more as a gesture of good willicon! so I accepted the 850 and made a point of writing on the letter and ensuring that their computer was updated to what she told me, that this was for the closed account.

    This left me then waiting for the payment and an answer to my second claim which on Friday I got another letter offering me 1904.00 which was a bit short of what I had asked but I thought I would accept it and fax it back.

    I have just called Natwest to confirm they have received my acceptance only to be advised that the letter offering me 1904.00 was an error as they had not realised they had already paid me 850.00 so all I am now getting is 1300.00 can they do this? the letter I got on Friday did not mention any deductions I explained they were two seperate claims, so now they have given me the snr customer relations managers direct line to call him but I woukd like some info before I call can they do this legally?

    Nat West Settled 2 acct's before action:

    2194.77 settled 1904.00 08/01/2007 less interest
    650.93 Settled overpaid GOGW 850.00 02/01/2007


    Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)
    Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying
    LBA 22/01/07

    14/02/07 N1 filed @ local court
    21/02/07 issued claim
    23/02/07 deemed served
    25/02/07 Abbey acknowledgement defend in full.
    19/03/07 defence + 50% GOGW
    13/04/07 AQ final day for submission
    30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"
    01/05/07 Judgement order

    8/05/07 Warrant of Execution requested


    Media coverage

    http://news.bbc.co.uk/1/hi/business/6701231.stm

    http://www.newburytoday.co.uk/News/A...articleID=4505


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  19. #19
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    Default Re: Natwest made an offer and are now paying less

    Update, I have just called Nat West and asked why have they changed their offer anyhow to cut a long story short they have agreed to pay the 1900.00

    So I would suggest that if you have applied and they have said no send them another letter asking for the charges you may be successful second time around.

    Nat West Settled 2 acct's before action:

    2194.77 settled 1904.00 08/01/2007 less interest
    650.93 Settled overpaid GOGW 850.00 02/01/2007


    Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)
    Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying
    LBA 22/01/07

    14/02/07 N1 filed @ local court
    21/02/07 issued claim
    23/02/07 deemed served
    25/02/07 Abbey acknowledgement defend in full.
    19/03/07 defence + 50% GOGW
    13/04/07 AQ final day for submission
    30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"
    01/05/07 Judgement order

    8/05/07 Warrant of Execution requested


    Media coverage

    http://news.bbc.co.uk/1/hi/business/6701231.stm

    http://www.newburytoday.co.uk/News/A...articleID=4505


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  20. #20
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    Default Re: Natwest made an offer and are now paying less

    Did you get your money refunded without starting legal action?



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