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.

£6.99



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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    the_toilet_bandit's Avatar



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    Red face Bandit v NatWest - The Full Story And Finally**WON**

    Well I'm going to give this a go myself, but I'll need a little bit of help as I have a learning disability which affects my reading and writing and I find it difficult to understand things. I'll be starting my DP letter on Monday but will anyone be able to help me, as I have been reading through the posts and it hasn't really sunk in. Can someone let me know what the address I send the letter to is, and also (it's a silly question I know), when I send my cheque for 10 do I make it out to NatWest?

    I know it's going to be annoying and difficult for me but I will give it my best shot and if it works, you can all claim the assist!

    Mickie (Thank God for the spell checker)

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  2. #2

    Default Re: Bandit's having a go but needs some help....

    No problem - welcome.

    just send the letter to your branch or head office of the bank.

    They will know what to do with it ;-)


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  3. #3

    Default Re: Bandit's having a go but needs some help....

    Hi there and welcome to the forum!

    You have come to the right place and we will help you as much as we can. The process is not as daunting as it may first seem, but you should always be mindful that you could end up in court to put your case forward.

    I'll break the process down for you so you can tick it off as you go along.

    1. Send DPA request
    2. Send Preliminary Request for Payment letter (found here)
    3. Send letter before actionicon - lba (found here)
    4. File MoneyClaim (example text can be found here)

    It is important to remember that you may be offered "settlements" along the way, but it is up to you to decide if you are happy with what is being offered or if you want to pursue them for the full amount.

    I have tried to simplify the process for you, but there will be other issues to consider at each stage of the process.

    Please come back here and post on this thread any question you have and someone will always be here to assist.

    Good luck!

    P.S. Make your cheque payable to Nat West

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  4. #4

    Default Re: Bandit's having a go but needs some help....

    If you need any help with the letters, or with what you need to put in them, you can PM me and I will help as needed, but as others have said, and will say, this is your shout and most of the effort must be your own. If you are in any doubt about any of the steps, then read round other posts, especially in the NatWest forum, and you will find words of encouragement.

    Good luck.

    Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

    All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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  5. #5
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    Talking Re: Bandit's having a go but needs some help....

    Right I managed to get to DPA letter off today (8th May) enclosed the cheque to NatWest (thankyou tinker ) and rushed off to the post office to get it delivered before running back as I had forgotten to put the cheque in !!
    But it's in Pat's postbag as recorded delivery so will keep daily checks on whhen it gets received and when it gets cashed and keep you all updated.

    Popped into local branch today to shorten my overdraft and close my ISA account with NW, and bloke behind the customer servicesicon bit, i think he's asst. manager, he looked very very worried and wanted to know why I wanted the address details for DPM and in the end refused to give me it. Having a very cynical mind I'm thinking somethings come up in their meetings, but I can't for the life of me figure out what it is...hehehe

    Anyways will keep you posted on every single thing, as skull has said this is my own thing, but boy am I going to need a lot of help and support on this one.

    Also, noticed in the forums about parachutes? Am I right in thinking they're like a bank account you open with another bank as a safety net in case NW tries to bug me out?


  6. #6

    Default Re: Bandit's having a go but needs some help....

    Hey you!!

    You are doing well so far!

    Yes a parachute accounticon is another account with another bank that you are not "taking to court". The idea is that if your Bank decideds to close your account because you have sued them, at least you have somewhere else to go to - just in case!

    Thanks for updating us and letting us know how you get on. We'll be here with you all the way!!

    Tinks x


  7. #7
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    Default Re: Bandit's having a go but needs some help....

    Just noticed the MP template in the templates section, so whipped a copy of that out to my MPicon (Dorset West). I'm also keeping copies of everything I do, just in case

    Mickie

    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  8. #8
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    Default Re: Bandit's having a go but needs some help....

    Your item with reference XXXXXX was delivered from our WEST EDINBURGH Delivery Office on 11/05/06 .

    The Ball has started to roll.........lol

    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  9. #9

    Default Re: Bandit's having a go but needs some help....

    Woo Hoo!!

    Excitin' isn't it


  10. #10
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    Default Re: Bandit's having a go but needs some help....



    They received it! Judging by the lack of info, they must have had a load to sign for

    One slight worry is, they received it on the 11th but cheque still hasnt been cashed, when would be an appropriate time to enquire about that?

    Mickie

    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  11. #11
    Lueeze
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    Default Re: Bandit's having a go but needs some help....

    dont worry about them cashing the cheque, the DPA starts from when they recieve the letter! Good Luck

    Lou xxx


  12. #12
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    Smile MP's on the case....

    Received a reply from my MP after sending the standard template:

    Dear Mr Toilet Bandit

    Many thanks for your letter of 8 May.

    The issue you raise is a serious one. Clearly, if the commercial banks are engaged in any unlawful practice, something ought to be done about it.

    I am surprised about your observation that the OFT is displaying reluctance. They seem to me to be the obvious port of call in such a case.

    I have, accordingly, written to the Director-General of the OFT. I attach a copy of my letter (Posting that here too ). I shall let you know as soon as I receive a response.

    If you have not heard anything further from me within six weeks of receiving this letter, I should be grateful if you could contact my secretary Angela Charles on XXXXX XXXXXX, in order to let us know that nothing has come through: that will mean I have not received anything and will lead to my sending a chasing letter.

    Thank you, once again, for rasing this important topic.

    With best wishes,

    Yours sincerely

    Oliver Letwin

    Enc.
    now that's an MP I like

    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  13. #13
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    Default Re: Bandit's having a go but needs some help....

    Ollie's enclosed letter:

    Mr Philip Collins,
    Chairman,
    Office of Fair Trading,
    Fleetbank House,
    2-6 Salisbury Square,
    London. EC4Y 8JX

    Dear Mr Collins,

    I attach a copy of a very worrying, at the same time very important, letter that I received my constituent Mr Toilet Bandit of XXXXXXXXXXX Dorset.

    As you will see, Mr Toilet Bandit's letter asserts that the commercial banks may be engaged in unlawfully levying penalty charges of a disproportionate nature from certain customers.

    As you will also see, Mr Toilet Bandit believes that the OFT have been reluctant to intervene in this matter.

    As this is a very serious issue, I should be most grateful if you could let me know whether the OFT has in fact investigated this question - and, if not, why it has not done so.

    Yours sincerely,

    Oliver Letwin


    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  14. #14
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    Default Re: Bandit's having a go but needs some help....

    NW cashed 10 Subject access requesticon cheque on the 18th.

    Sorry about the excessive detail in this case, it's keeping me up to date with where I am

    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  15. #15

    Default Re: Bandit's having a go but needs some help....

    So you've made your MP aware - good.

    Have you received any statements or anything yet?


  16. #16
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    Default Re: Bandit's having a go but needs some help....

    nothing from NW as yet....all i've had is my MP's letter

    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  17. #17
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    Default Re: Bandit's having a go but needs some help....

    Well tatty brown A4 envelope arrived this morning.....it's currently in a photoshop having glamour photos taken of it, will be going to post office later (as postmaster is a good friend of the family) to confirm that they received it like it is or whether it was damaged while being posted (my letterbox is a little small) then will be going to branch and filing a direct complaint about why use an unsuitable envelope etc.....will also be looking thru here as I seem to remember someone writing a letter about the state of the envelopes NW use, and i'll edit it around a bit...if someone knows the link to that post could they post it in this thread pretty please.....THEN, when I've done all that, I'll open the thing up and see how far back it goes....as from reading other posts they had a server mergey changeover thing with RBSicon which meant that they didn't know their ass from their elbow...

    Am also clearing my overdraft as fast as I can so that if they do close the account it won't hurt as much, I'm thinking of deploying my parachuteicon but just shopping around at the moment

    Will keep you posted (no pun intended)



    Mickie

    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  18. #18
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    the_toilet_bandit's Avatar



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    Default Mini result

    Ok, envelopes glamour shots came back better than expected, went to post office and I have to go back tmrw morning (urgh...hate early starts) but i'll try and get it in writing that it arrived through their sorting offices in that condition...

    Went to NW to complain, found the customer servicesicon Advisor that actually likes to help and advise the customers (a rarity) and logged a complaint. He refunded me the 10 DPA fee and also gave me a printout of the cheque proving it had been cashed, anything to make my case a lil stronger I'm thinking. He also said to deal thru him too, which helps cuz all the others there are dragons and people looking to make a quick buck or two.

    Will go to post office tomorrow and get a confirmation of how it arrived, get them to find out where the damage occurred, then will open the actual envelope (so tempting now but having to wait for postman, it's like getting a present before christmas and waiting till crimbo day when you're about 6) and see whether I got the whole lot of it, or if I'm waiting for the second half, and I'll keep searching for the thread which mentioned a reply to NW arguing the case about using tatty old envelopes ( I think it's Vamp's thread but not sure....)

    Mickie

    08-05-06 - Data Protection Act sent to NW
    08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)
    25-05-06 - Statements and Data Protection Act received (14 days)
    07-06-06 - Prelim letter sent to S.Higley claiming 1226.03
    09-06-06 - LBA sent, due to negative response
    29-06-06 - Claim served (Acknowledged 30-06-06)
    27-07-06 - NW's Deadline - received 27-07-06
    24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned
    20-09-06 - 1st Offer - 850.00 with confidentiality REJECTED
    05-10-06 - 2nd Offer - 1456.80 with confidentiality ACCEPTED
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  19. #19
    Lueeze
    Guest

    Default Re: Bandit's having a go but needs some help....

    Geez US you ARE PATIENT!!!

    I would be ripping the thing open, but pat on the back for going down this route!!!

    Well done! Not long now...

    Lou xx


  20. #20

    Default Re: Bandit's having a go but needs some help....

    Yes, it was me, with the tatty envelopes. And most other Natwesties!!!


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