have'nt had a beep out of natwest. well I have had a chance to read through some threads espcially Toilet bandit and it seems I should be waiting for a defence from corbetts with a cpr18 ...... They have until Weds 3rd Aug to file a defence so I'm ready for them...

This has been an extremley helpful & detailed thread. After getting a full refund pretty promptlt from Halifax I proceeded with Natwest as well. The 28 days are actually up on 3rd Aug so I'm glad I have the detailed info you've provided & everyone else has contributed in case I need it as well. Cheers & good luck

Thanks I'll go for it. Whats an IVA ? I guess I can gof after my store cards as well....

Hello, I understand from the forum I can chase up banks for closed bank accounts. But how does this work for closed Credit cards? When I was made redundant in 2004 I defaulted on all my credit cards including Amex they were passed to a Debt management company and now I am making repayments to the Debt companies. Can I still reclaim charges against the Cards even though the accounts are closed and they have all defaulted ? I honestly did search the froum for info on this but couldn't find any.

Stuart Higley says Natwest charges are fair & they won't refund my money. Letter recieved refund declined . Proceeding with claim.

At last Statements recieved from a colleague of Stuart Higley's. Sent prelim request with 14 days notice. As they have wasted my time I'm going to cut to the chase - given them 14 days for full refund or action will be taken. Clock has finally started ticking.

gladly completed survey, made donation and booking family holiday may get some more holiday spending money off Natwest Thanks every1 for all your help & advice

To quote Dora the Explorer " Hey we did it" Full refund with standard letter saying no admission of liablity blah, blah, blah Thank so much for all your help. Now on to Natwest

haven't heard a thing from Natwest. Sent LBA DPA to DPA Manager in the Natwest contact thread. Will give them a call I suppose bearing in mind that it's said to take weeks to hear back from Data commision....

Filed claim online. Is it OK that I rejected the offer they made and said they had to refund me in full ? i.e that I didn't accept the offer as partial payment. Total claim now up to £1800.00

Contact given to me Louise Curran Customer Relations Manager Core Business Team Customer Service PO Box 548 Leeds LS1 1WU Phone 08457 253519 fax 0845 128 1385 even used their reply envelope to send my rejection of the measly £248 offer!

Haven't heard from Natwest sent LBA - Data Protection Act.

Phoned Nat West After 35 Days they denied reciept of my letter and I hadn't thought to send it recorded delivery. Had to start all over again........clock reset

progress receieved letter today in response to my LPA. Offer of £245 usual splurge about my responsibitly to make sure funds are available yada, yada, yada. I will decline & request full payment within 14 days and start preparing by court docs. Do I need to send another LPA or is a letter of refusal enough. BTW contact details Louise Curran Customer Realtions Manager Core Business Team Customer Relations PO Box 548 Leeds LS1 1WU

ok thanks

have just read a very informative thread on Halifax's refusal to discolse MI. I also got the same letter but didn't think to follow it up. I saw in the other thread the way to go about it is to request an appointment to view the info at the bank. Does this have to be done ? there was some reference to the bank possibly using it in court ? I have already sent my 2nd letter as they sent me a print out of all charges. SHould I wait for a response and request an appointment to view MI at the branch? thanks

actually I got a list a charges excerpt of letter recieved from Nikki Rice St albans Data Protection Act disclosure request. Turning to your request for an exhaustive list of charges. Whilst I acknowledge it is your legal right to apply formally under the Data Protection Act for all the records we hold on you, your request is very specific. There is normally a £10 charge for a formal request, however in the interests of customer service I have provided a list of your bank charges for the last six years, free of charge. As well as the charges on the list there was a charge that debited on the 19th April for the sum of £39 and a charge pending to debit on the 31st May for the sum of £28. if you still want to pursue a formal request please let me know. I understand that you would like to receive information about our manual intervention on specific transactions. We are under no statutory obligation to record the information you require and thus are unable to comply with your request.

thanks I did try doing a "search" to get answers but couldn't find answers but thank you for your quick reply. DPA Halifax 13/04/06 Reply List of charges 18/04/06 DPA Natwest 13/04/06

Hi I'm asking for refund for my Natwest and My halifax sent off my DPA Halifax have responded but natwest haven't. DPA sent 13/04

hi all I have been impressed by the number of cases and I am determined to put mine through. I've recieved back from them a print out of charges from local branch over the last 6 years totalinbg £1301. I have some questions though. 1. I am concerned because I do not have an agreed overdraft on my account as I opened the account just before I was made redundant at work and went immediately on to Benefits the Halifax refused to upgrade it to a full checking account with OD facilities as I no longer had a salary coming in. Can I still apply for refund of charges? I know one of teh letters dose state "refund for all charges" but is this OK for me? 2. As I sent my DPA request to my local branch St Albans and they replied am I better of sticking with them or should I go directly to the Head office & just enclose a copy of the reply with my next letter ? Thanks Foaf P.S Has anyone out there had a refund from St Albans branch ? I'm also waiting a respone to my DPA request from Natwest as well.