sounds good to me . good luck:D

it is not part of NatWest i think it is a body who regulate the data protection act and make sure that company comply with it we can find the number on the contact section. Ps NatWest usually don't send a letter for a S.A.R - (Subject Access Request) request they simply send just your statement in a ripped tatty brown envelop .if they reply usually is to ask to comfirm your identity , etc... .

it is not part of natwest i think it is a body who regulate the data protection act and make sure that company comply with it we can find the number on the contact section. Ps natwest usually don't send a letter for a SAR request they simply send just your statement in a ripped tatty brown envelop .if they reply usually is to comfirm your identity , etc... .

i received some statement only for one of four account i asked and one year was missing already.but they still have 20 days to comply for me if i was you send the LBA and give a call on monday to the information commisioner they will be able to help you. i hope this help.

yes it is the same procedure for mastercard / visa card etc .. i think anyway this what i have done so far.

hi johnny send thema reminder by recorded delvery you can find some template letter in the faq section , i think there is a template called letter before action for data non compliance before you go to court and give them a ring. i am in the same boat as you they keep delaying by sending stupid letter saying it cost a further 5 pounds and so on .. even though they did receive the cheque. good luck

they have 14 days to reply they probably will by saying we are looking in this matter blah blah blah ... and send you a leaflet explaining thier complaint procedure which is a sod off letter or you wil receive an offer if you are lucky, after 14 day without satisfactory answer you will have to send a Letter Before action giving them a further 14 day to comply and then if no success you can file a claim at the small claim court read carefull;y the FAQ section and you will find all the info you need. good luck with your claim .

hi everyone, i just received this letter from the above company claiming to re-send a cheque which was return unpaid. however, they say that as well : " our client. xxxxxxxx, has instructed us to wriote a cheque regarding a cheque written by you in their favour, which has been returned by your bank unpaid. their internal enquiries have not identified any problem with your transaction, we assume that this is a mistake and our client would therefore be obliged if you would forward a replacement cheque, ensuring ther is sufficient funs in the account....." however, the cheque was for 66.84 and they charge me 10 pounds for admin charge. however i have few question if it is a mistake then i am not elegible for this as it is theirs not mine? 10 pounds admin fee is it legal or unfair ? then suggest too to pay by card through internet although the site is not secure ? it sounds to me a bit dodgy regarding that the cheque was made over a month ago> anyone has any idea on what should i do ? any help will be gratefully appreciated. thank you .

make your default notive removal as part of your claim .

thank you again nattie just my third letter to them memtioning that . now let see what happenned lol .

hi nattie , thanks you for you help. however, this letter is from the regulatory risk and the cheque i send was for ten pounds when i called then thewy told me they haven't received any letter when i mention that they receive and i have proff of delivery they mention that they system just crashed down. well as it though they are the mickey out of me lol. it is so frustrating.

hi everyone, i receive this letter from natwest regarding the data protection act and i have many problem getting my SAR, i receive some but a lot were misisng i asked for the last six year and use the templatre provided but still no sucess. i had already most of my statement only few were missing today i recieve a letter from them saying this: "Dear Phill123, DATA PROTECTION ACT 1998 i write to you with regards to your recent letter requesting a complete list of transaction and charges appplied to your account under the datas protection act 1998. to receive a complete list of transaction and charges we can only send you a copy of your bank satements. ( although not all charges are showing in ther bank statement such as default notice) if you like a copy of your bank statement, i will be happy to arrange this and they will be sent top you directly. the fee for this is £5.00 . i would be gratefrull if you could forward a cheque made payable to "natwest" ( which i did last month ) blah blah ...... " anyone has any idea on what i should do next ? because i think they arfe not willing to comply lol any help will be appreciated.

congratulation amanda and enjoy your money lol ( sorry being a bit cheeky here !)

hi jimmyboy, if you send it next day delivery you should be able to trace to trace through the royal mail website which will tell you when they receive it at what time and so on as long you have the reference number. they did the same to me with my SAR, so i sent an other letter saying that they have only 20 days left before any action is taken ( sent it in january). don't worry they only do that just to delay your claim. good luck with your claim.

hi , i am no expertr as i am not at this stage however, i will wait until monday call the court to see if their court bundle has arrived. however, if it didn't arrived and the timescale set by the court has expired you could ask for their defence to be strucked out and maybe have a judgement made by default. however, this is a suggestion i have made you should better query that with someone who has more knowldege than me. good luck with your claim:)

hi heywood, you can claim back referral fee, misuse card, guaranteed payment fee, unaranged borowing fee, unpaid item, unpaid direct debit etc.. the charge apllied to you following an acoount number relate to an unarranged borrowing fee plus a service fee. i gather that you are with natwest and have an advantage gold account if so to reclaim this charge you will have to take out the service fee of the advantage gold account which came about 14 pounds .however, please read the FAQ section carefully as it explains how to do it properly and safely. however, if you go as well for the coumponded interestbe prepared to argue your case very well as it is very difficult to claim it back to the bnank. to be honest i am not for the moment as it si too complicated to work out lol. i hope this help . good luck with your claim .

thank you fgor you support. i sent my preliminary letter to natwest on the 5 february for four account which include two credit card. however, i receive the sodd off letter on the 8/02/2007 which say "dear phill123. thank u for you letter of the 5 february 2007 concerning your Natwest Card services. In view of your comments, i have forwarded your correspondence on the appropriate department who deal with the isue you have raised. I have instructed them to look into this matter and respond to you in due course. for your information,, i have enclosed a leaflet which explaim the bank complaint handling procedure. " wait until the 19 feb to send my LBA or can i send it now ? any advice on this matter . thank you for your patience.

hi, if your claim on the preliminary letter and LBA you cannot claim the 8% interest that is the court to decide it is well explain within the FAQ and the vampiress chamber. if you ask the compounded interest then u cannot calim the 8 % interest. you will have to think how you start claiming your charge back with interest or not. it is up to you to decide as long it's follow your claim from the start . i hope this help, good luck with your claim and keep us updated. phill123

update sent SAR request on the 29/01/2007 receive satement from only one account advantage gold from 2002 , and one year missing. senf preliminary letters on the 5th february for four account advantage gold, step account and also mastercard aand visa card. just been told that i cannot used cheque anymore and they are defaulted me from the mastercard account. well it is all nice and lovely since they receive my premiliminary letter lol . in total i m a claiming just under 2 000 pounds ( for the aboce account plus removal of default but not climing back interest) in charges from 2002 sounds promising it is well above what i am earning (and i am working part time as i am a student) and what i can repaid but well i was forced to take a loan to recovered my overdraft and charges. sorry for this moan i am well frustrated by the amount the took away over the years. nevermond this site has brialliant advice and support . good luck to everyone for they claim.

hi, by my understanding this is the samll claim court near where you lived. however have you looked at the template letter in the FAQ section. i hope this help. good luck with your claim.

thank you natiie your answer are really helpfull and they are really much appreciated. you should consuider working for a consummer groups or debt conselling lol ! as usual natwest lie to me i was supposse to have a phone call regarding the fact that my benefit was/are swallowed by charges and i didn't nevermind it reinforce me to claim back those charges . so if GTEE PYMT FEE are for misuse charge can i claim them back too ? because 105 pounds for this charges seems to be excessive for some cheques worth 3 pounds althought some of tthem exceed the ammount of charge , can i claim them back too without my claim being thrown out as it seemed that they charge me fpor those charges and let the cheque go throught the following day, this has let me doubting me about the worth claiming back sorry typing mistake i am not english and welcome any help or criticism > thank you for your help .

hi everyone, just rang up natwest be aware for a bounced cheque or unpaid item it can be callled on your statement GTEE PYMT FEE and you can claim it back as it is only covered unpaid item and bounced cheques especially the latter one . i just rang up natwest and they acknowledge the fact that 1/ GTEE PYMT FEE relate to unpaid cheque and 2/ that is not acknowledge by their rate and fees widely avalaible in your branch and there is no mention of GUARANTEED PAYMENT FEE published as so so it is concealing and deceptive by my understamding. call natwest today agree with my statement and to the fact that my charge was a a bit excessive the last few month i was charged excessiuve amount of money even though i was in credit .

thank u for your advice it is much appreciated just done the letter and schedule of charge ready to go for monday recorded delivery. however, i have an other question i have also an advantage gold account and in those statement i see some labelled CTEE PYMT FEE, CHQ 123 £XX.XX and which they charge me from 30 to 105 pounds, i think this is for unpaid item or unpaid cheques can i claim them back too ?

hi,i sent my SAR on the 25 january for four different account so far i haven't have any statement back still waiting. although i just received a letter from natwest tellimg me that the derfault me on my credit card which is about 2/3 of the debt is due to their unlawfull charges ( i retained some of the statement but not all of them ) sometimes i was even charge four -five time for late payment fee returned direct debit etc ... can i call them to ask to remove the default as this account is in dispute ? and if so , and don't comply what should i do ? any help or advise will be appreicated. thank u .

if you cliam is over 1500 pounds included interest and cost then you will have to pay 100 pounds ( this is my understanding lol) unless you are receiving certain benefit which may exempt you from the fee but you will have to produce some proof of the benefit if u are receiving some. i hope this help. good luck