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Just had a chat with Littlewoods. They were unable to document the transactions they were charging me £140 for, they were also unable to provide the list of codes they had offered me in the past. £140 to be refunded! Yipee. Thanks guys.

Hi, Thanks for your responses, I have written to Littlewoods and they are refusing to respond in writing, they say the department dealing with my complaint only deal with phone calls. Is there anything I can say to insist that they communicate to me in writing? Thanks

I have searched the forum for this problem so sorry if it is a duplicate, in 2007 someone had similar issues but Littlewoods T&Cs have changed since then. I have been a Platinum member of Littlewoods for years and am rgularly sent discount offers. I have also used a few I have found online. On Thursday this week I attempted to make a purchase on their Website using my Credit Account and a discount code I found online. The transaction was refused. I phoned them to ask why and they asked whereI got my codes from. I said the internet. I was informed I was not allowed to do this and that all my previous discounts would be reversed and added to my account. I now owe them several hundred pounds from previous discounts. I am unable to tell if the discounts are from online codes or ones I received in the post. Is this legal after so long? Their current Website T&C state: "2.3 Promotional codes are codes that enable customers to obtain benefits such as discounts, free delivery and free gifts. These codes are non-transferable so may only be used by the person to whom they are issued and must only be used in accordance with their terms and conditions of use. If you use a promotional code to claim a promotional benefit, you must first check that it was issued to you and that you are eligible to use it. By using it to claim a promotional benefit you will be confirming that:- (i) you are entitled to use the code; (ii) you meet all the conditions that apply to its use; (iii) you agree to the terms set out below. If, before accepting your order, we find that you are not entitled to use the code or do not meet all the terms and conditions of its use, we may reject your order or alternatively process it without the promotional benefit being applied. If, after accepting your order, we find that you were not entitled to use the code or did not meet all the terms and conditions of its use, we may reverse the benefit that you obtained. If you transacted on a cash basis e.g. by debit or credit card, we may take a further payment, equivalent to the value of the benefit obtained, from the card used. If you transacted on a credit basis, the value of the benefit obtained may be charged to your credit account." Any advice welcome. Thanks

I sent my allocation questionnaire off last wednesday and I have received a cheque today from Cobetts for the full amount with the standard response. It has brought a massive smile to my face. Thanks to everyone for for your encouragement and assistance. I will complete the survey and a donation will be on its way once the cheque has cleared. I can't wait to get into the bank and pay it in.

It took 58 days for me to get mine. I got to the stage where I was ringing Joyce Tudor everyday. She was very nice and even wished me luck with what I was hoping to achieve. Just keep phoning the number above daily and you will get them.

I have written a reply to day. I informed them the information they claim they don't have has already been supplied to them, and they have confirmed receipt of the letter. I Have agreed to accept the goodwill payment of approximately 50%, but have said I will still continue to claim for the outstanding amount. Also said no to confidentiality. I had delivered the letter today as Cobbetts is round the corner from where I work. I wonder what their next move will be?

Just got back after a long weekend away. Cobbetts have written to me twice, firstly to say that I have neglected to give them my account details and a list of charges. I have supplied this info to Natwest twice and to Cobbets with my response to their Part 18 Request last week. The second letter is offering me half of what I'm claiming back as a gesture of goodwill. Will construct an appropriate response tonight. Also received my allocation questionnaire from the courts. I have until the 19th to submit this.

Well got their defence today. 28 days was up today. They are requesting more information under CPR Part 18. Pretty much all the information I supplied to Natwest in the first place. Does anyone have the text they used to tell Corbetts to sling their hook? I'm Lazy I know. Can I simply just say CPR does not apply to Small Claims court so I will not be supplying you with the requested information? Thanks

Hi Lynne, Just wanted to clear something up. If your claim is for £4248 and your 8% interest amounts to £766, then it doesn't matter if you go over 5K. You just need to keep your inital claim amount (i.e the amount sent in your Letter before Action to your bank) below £5000. Nick

Here is your original thread http://www.consumeractiongroup.co.uk/forum/natwest-bank/3073-data-protection-act-sent.html

Crikey, they appear to be speeding up. My claim has been acknowledged by Natwest today 3 days after I submitted it. So I guess the next stage for me will be when I get sent my allocation questionaire.

Send your DPA request recorded delivery. Once you know it has been delivered, phone them daily. I waited 50 days for my full set. I'm on first name terms with the Data Protection team in Edinburgh now. Don't let put you off

Second reply issued from Mr Higley saying no chance! Have filed with moneyclaim approx £2000 plus interest plus costs. Can't believe I'm finally at this stage.

Not sure if this info helps, but when I was going through my older Natwest Statements, charges are listed twice. Once in the actual statements on the date issued and then also at the end of that months statements. I almost listed some charges twice, but realised my mistake. I'm sure you haven't made the same mistake, but might be worth checking.

Heres your original thread http://www.consumeractiongroup.co.uk/forum/natwest-bank/2754-unauthorised-direct-debits.html

Just received standard naff off from Stuart Higley. Letter Before action will be in the post this evening

My statements finally arrived after nearly 2 months, one set of them in a torn tatty brown envelope. Also have a faxed copy of letter with statement about Manual Intervention. Totaled everything up and my claim amount is £1984.50. Perliminary letter sent today.

No the 8% only applies when you file a claim against them with the County Court. Whatever you do, do not add this interest on your Preliminary or LBA, only when you do Moneclaim or the N1 form at the County Court.

Come on, do you really need to ask the question. If they are caving in readily to hand you back 2.2k, then they are obviously trying to palm you off. Go for the 5k. It is your money after all.

Much obliged, appreciate the info

Thanks for that but I have already sent them that letter 8 days ago, am now wanting to raise a claim agains them for Non-compliance, so if anyone would be able to assist with answering my questions, here they are again: - Decided not to give them another 7 days, I've got proof now that my letter from 11th April was received as they have cashed my original cheque for £10. Could someone answer the following questions, Alex Lyons who failed to provide all my DPA information is based in Natwest Scotland, you can only claim on address in England in Wales using moneclaim online so do I need to go to the courts and fill out N1 form using the Scotland address. Do I put Alex Lyons as the defendant on my claim or actually the Natwest Bank with a London address. If I use the London address can I then use moneyclaim online? Could someone have a read over my claim and give me some feedback. PARTICULARS OF CLAIM 1. The Defendant is a Data Controller within the meaning of the Data Protection Act and is responsible for the processing of data of which the Claimant is a Subject. 2. The Claimant has accounts numbered XXXXXXXX & XXXXXXXX ("the Accounts") with the Defendant which was opened on or around 1987. 3. On 11/04/2006the Claimant sent a Subject Access Request, pursuant to Section 7 of the Data Protection Act 1998 to the Defendant. 4. The Defendant has failed to comply. 5. By virtue of the Defendant's failure to comply with the Subject Access Request the Claimant has suffered damage. 6. The damage caused is: £10 Extra costs incurred in addition to court costs, due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents, I estimate this cost to be £40. I sent the maximum fee for a Data Protection Act disclosure request for £10 on 11/04/2006, which was cashed on 26/05/2006, it was denied that this payment had ever been received so a further payment was requested from Natwest for £5, this was sent on 03/05/2006 and cashed on 24/05/2006. 7. The Claimant seeks an order that the Defendant do comply with the Claimant's Subject Access Request 8. Under the terms of Section 15(2) of the Data Protection Act 1998, where the Defendant contests that information requested under the Claimant's Subject Access Request is not included within the scope of Section 7 of the Data Protection Act 1998, the Claimant requests that the Court inspects that information, and where it finds that the Defendant's opinion is unfounded, that it orders such information be included within the information supplied to the Claimant under the Subject Access Request. 9. Damages and costs within the discretion of the Court. I believe that the contents of these particulars of claim are true Signed: Date: __________________

Decided not to give them another 7 days, I've got proof now that my letter from 11th April was received as they have cashed my original cheque for £10. Could someone answer the following questions, Alex Lyons who failed to provide all my DPA information is based in Natwest Scotland, you can only claim on address in England in Wales using moneclaim online so do I need to go to the courts and fill out N1 form using the Scotland address. Do I put Alex Lyons as the defendant on my claim or actually the Natwest Bank with a London address. If I use the London address can I then use moneyclaim online? Could someone have a read over my claim and give me some feedback. PARTICULARS OF CLAIM 1. The Defendant is a Data Controller within the meaning of the Data Protection Act and is responsible for the processing of data of which the Claimant is a Subject. 2. The Claimant has accounts numbered XXXXXXXX & XXXXXXXX ("the Accounts") with the Defendant which was opened on or around 1987. 3. On 11/04/2006the Claimant sent a Subject Access Request, pursuant to Section 7 of the Data Protection Act 1998 to the Defendant. 4. The Defendant has failed to comply. 5. By virtue of the Defendant's failure to comply with the Subject Access Request the Claimant has suffered damage. 6. The damage caused is: £10 Extra costs incurred in addition to court costs, due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents, I estimate this cost to be £40. I sent the maximum fee for a Data Protection Act disclosure request for £10 on 11/04/2006, which was cashed on 26/05/2006, it was denied that this payment had ever been received so a further payment was requested from Natwest for £5, this was sent on 03/05/2006 and cashed on 24/05/2006. 7. The Claimant seeks an order that the Defendant do comply with the Claimant's Subject Access Request 8. Under the terms of Section 15(2) of the Data Protection Act 1998, where the Defendant contests that information requested under the Claimant's Subject Access Request is not included within the scope of Section 7 of the Data Protection Act 1998, the Claimant requests that the Court inspects that information, and where it finds that the Defendant's opinion is unfounded, that it orders such information be included within the information supplied to the Claimant under the Subject Access Request. 9. Damages and costs within the discretion of the Court. I believe that the contents of these particulars of claim are true Signed: Date:

Still no further statements or Manual Intervention information. Sent a LBA regarding failure to comply with DPA. Will send them another letter giving them 7 days I think to be polite, is it possible to raise a claim on Moneyclaim for failure to comply with DPA even though I will only be claiming back court costs?

Agreed bank charges are things like monthly payments for disAdvantage Gold, Foreign Exchange transactions etc, actual charges for services not the penalties they have the cheek to call charges such as DD Referrals, Bouncing Checks etc Hope this helps