Hello all, I have decided to claim against Natwest. I already have a claim against the Shabbey which is ongoing and I am waiting for them to reply to my LBA at the mo'. I sent off my SAR for Natwest on 25th June and to my surprise got all of the statements in the post this morning (I asked for my Abbey statements on March 8th and I still have 18 months missing). I have worked out how much they owe me and it's just over 3.5k. A couple of quick questions, 1. They have charged me a default notice fee of £30, can i claim this back? 2. When they closed my account in 2005 they charged me a card recovery fee of £250 for my wife and i's cards, can I claim that back? Be lucky, Woodwa5;)

Hi poohbear, Just read your post. I do have a lot of law experiance (although criminal law) and we'll get through this together. Did you receive any reply after sending your LBA? Woodwa5;)

Hi poohbear and thanks for your reply. I'm pretty sure it is still the small claims track until it gets over about £15000. It's a little more expensive on the court fees front but I will be claiming those back from the abbey. It will be great if we go through this together. Kind regards, Woodwa5:)

Sent LBA today as shockingly enough they still haven't made me an offer, their loss (of about 2 grand)

Well it's 14 days. I would like to send the crabbey an e-mail to give them the opportunity to cough up today or I will start adding 8% and costs to the claim. It probably won't work but does anybody have a suitable e-mail address, Woodwa5:cool:

Hi ICY and thanks for posting on my thread. I am just subscribing as you are obviously a lot further forward than me and i can anticipate future problems, Woodwa5;)

Well, I got a letter from the shabbey today saying that they are sorry that i've felt the need to make a complaint and they will write to me in four weeks time to tell me how it's going. They seem to be trying to encourage me to go through their complaints system (which i obviously won't do). Phoned them up and said they have the orginal 14 days before I issue an LBA. The woman on the phone was very polite and i'm sure gets this every 5 minutes............we'll see what happens next:cool:

I think i might try barclays, especially if they look at upgrading your account as long as you use it correctly;)

Can anybody recommend a basic bank account for someone with a crap credit rating?

I have added the unauthorised overdraft fees now and I think that I am ready for my preliminary request. One more question, how do I calculate the overdraft interest that they have charged me? Looking at the prelim letter in the library I include this at this stage, Woodwa5:rolleyes:

Thanx

Hi Alex, I'm in exactly the same position as you. I received that spreadsheet thingy on Saturday covering Jan 2004 'till June 2006 (THE DATES WHERE MOST OF MY CHARGES CAME OUT). I have put them all on the spreadsheet toady and the owe me £5200. I am going to do exactly the same as you and i'm basing my interest on 25th of each month as that is when my charges always come out, Regards, Woodwa5

Hi everyone, Well I have done my spreadsheet and the amount of charges they have taken off me since 25/04/2004 is £5160.00. I have not counted the £20 for every time they say I have gone into an unauthorised overdraft, do I include this? Also I have not included the 8% yet as I believe i don't do this untill court. I will send this as soon as i have an answer on the unauthorised overdraft fee question, Woodwa5:D

Well, 3 and a half months after sending the original requests I have received a spreadsheet summarising the charges from the missing 2 and a half years statements. At least i can now start to put together the first request for charges back. I think I will still try and get the missing statements although the spreadsheet is very useful.......watch this space, Woodwa5

just subscribing

Hi, It's now comming up to the 90 day mark and despite 3 letters, 3 phone calls and 2 e-mails i still haven't received anywhere near all of the statements (missing 3.5 years). I am going to have to take enforcement action now. Does anybody know what the form I need from the court is called, Woodwa5:mad:

Hi poohbear, It's about 76 days and counting now. I threatened court action about 2 weeks ago. I sent an e-mail as suggested yesterday stating they have 7 days and this is their final warning and they returned saying they will re-request, Regards, Woodwa5

Hi, I still haven't received any statements from January 2004 onwards. These are the statements with all of the charges on them as the pre-2004 statements are clear. I have sent them a letter threatening legal action and chased them up on the phone twice, what do i do next?

Hi Morgy, You have to keep going and i like many others would be happy to contribute. Kensington took my house and the n charged me a redemption fee of £11000. With all of their charges i still owe them £29000 even though they have received back over £20000 more than they lent me 2.5 years ago

Hi everyone, I thought i would start writing as i am at the beginning of this journey.I have started with a claim against the Abbey but am owed thousands by Nat West and credit card companies. So far I have sent the Standard data request asking for the last 6 years of statements from the Abbey. I eventually got all the statements up to the point where they started levying charges on my account (Jan 2004). I have now sent them an LBA stating that they should send the remainder within the next 7 days or face court action. About 2 years ago they started levying charges onto my account to the extent that I was overdrawn by £4500 and they put me on their debt management plan. Since then I have had to pay them £250 per month off the overdraft and I am now down to £450. They have taken away my checkbook and also my visa debit card and will only let me have a visa electron. Due to all these problems I couldn't pay my mortgage and my house was eventually repossessed. I have managed to sort myself out now and really want this money back. I don't know how much they owe me in charges but at one stage they were taking more than £1000 per month off me. Will appreciate any help and advice from everyone out there, Regards, Woodwa5

Hi everyone, I thought i would start writing as i am at the beginning of this journey.I have started with a claim against the Abbey but am owed thousands by Nat West and credit card companies. So far I have sent the Standard data request asking for the last 6 years of statements from the Abbey. I eventually got all the statements up to the point where they started levying charges on my account (Jan 2004). I have now sent them an LBA stating that they should send the remainder within the next 7 days or face court action. About 2 years ago they started levying charges onto my account to the extent that I was overdrawn by £4500 and they put me on their debt management plan. Since then I have had to pay them £250 per month off the overdraft and I am now down to £450. They have taken away my checkbook and also my visa debit card and will only let me have a visa electron. Due to all these problems I couldn't pay my mortgage and my house was eventually repossessed. I have managed to sort myself out now and really want this money back. I don't know how much they owe me in charges but at one stage they were taking more than £1000 per month off me. Will appreciate any help and advice from everyone out there, Regards, Woodwa5