Try this one http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

http://www.consumeractiongroup.co.uk/forum/natwest-bank/9222-kateandpete-natwest.html Take a look at the final parts of my case. I refused part 18 - until the judge ordered it. Then I answered.

Have a good read through the FAQ's. Knowledge lies therein

Holy smoke. My nipples explode with delight :o.

yes, they're cheeky like that. The person who recommends it gets a tidy commission if you take one up

Natwest missed out one sheet of statement on my claim for six years statements. I was on it like a rocket. Give 'em hell.

Take them straight to the Information Commissioner, I complained to them and they got results (After a bit of prodding). Threaten Trading Standards and the FSA. Don't let the bar-stewards get away with it. They are BREAKING THE LAW. Let them know it!!!!

Congratulations!

Congrats. Co-Op seem to be one of the quickest payers. I take it you only accepted that in part payment. If so, then just continue with the process for the remainder until they cough up. I know what it feels like to be in the black for the first time in years!

This sounds similar to my experience. The judges are aware of Cobbetts tactics and will do their best to allocate soon. They are even double booking courts now - with a bank case and a real case as they all now know that these NEVER come to court!

When they offered me 40% I wrote back and stated how much I wanted, including EVERYTHING. A week later the judge allocated me to the Fast Track and Cobbetts paid up in full. The amount that I asked for in that letter. So send one off and INCLUDE EVERYTHING!!

Don't wait a moment longer. Get your SAR in, then the clock starts ticking. You won't have the cash for xmas, but the sooner the better, eh?

Ha! I have the same branch as you! Are you in Scotland or England? The process differs, but the outcome remains the same

I just made it payable to NatWest. Worked for me.... Eventually, i had to get the information commissioner to make threatening noises on my behalf. But they just paid me £3700!!

Read the FAQ's carefully. Find the Data Protection registered address of your bank and hit them with a DPA-SAR. This is in the Templates section. They have to comply within 40 days or they commit an offence Good Luck!

They may do that, although recent banking code advice has warned against retaliatory action. Set up a 'parachute' account with another bank. Then if they get shirty, get your pay put into that and don't use your barclays account. Write and say the account in in dispute and that it is the subject of a current litigation. There are templates for this. Above all, DON'T GET SCARED. It is YOUR money, never forget that. You will.

Check the 'Legalities' section aswell. The Data Protection Act and the Consumer Credit Act are your sword and shield. With an understanding of these you can start to redress the balence. Read about Consumer Credit Act Section 77/78 requests in these forums.

Start by reading the FAQ's THROUGHLY! I spent a few days understanding all the issues before I started. It is a battle - be prepared!

Absolutely. Every penny counts. There are some people on here who have that to live on for a week. These charges ruin peoples lives. Make sure you stick to the process and your deadlines. Don't forget, you can claim ALL charges made in the last six years.

There are some templates for how to fill in the moneyclaim form in the Templates section. You need to state the principal, overdraft charged on the principal and don't forget to include the s.69 county courts act interest at 8% apr aswell. Add this all up and put it in the amount claimed. Don't forget also the DPA-SAR fee aswell if appropriate. Good luck - not that you'll need it. Natwest just coughed up £3700 for me!

Wow. That'll teach me to go to bed early! Well done Bruce (and second Bruce). Perhaps this information needs to go into an FAQ or Statutes section so people know what to do when companies try this one. I would like to allege in my letter that HSBC are willfully misleading me. Is this a dangerous thing to do, seeing as I could not prove it? I would think the balance of probability is on my side though as they are the worlds second largest bank and can afford to know the law.

Bruce!

Yes, these don't seem to tally. The quote I have is Regulation 3 and the relevant paragraph is 2(b). peterbard has Part III. How does this relate to Regulation 3. Can you tell us in what order these 2 pieces of information and whether one is a special case of the other .. or something . I am also confused. BTW. Are we all called Peter in this thread? I had a phone call from HSBC today asking for cash. I told them the account is under dispute and all correspondence should be in writing. If they ARE trying to pull the wool over my eyes, I am thinking of using the word 'harassment' in my next letter. Didn't make it to the library today - sorry folks. Don't forget that there are 4 amendments to the 1983 regulations aswell that need checking. I try to make it tomorrow. *EDIT* Ooh, crossed posts!

What a bunch of Muppets. Maybe it got lost among all the boxes of champagne hanging around that place. If you're anywhere near Manchester, it's quite instructive going to their place. How the other half live....

However, If you have got the cash to spare do put it in. Cobbetts didn't wait until the last minute with me. When they are both in a judge will look at it. I note that you are also in the North-West. The judge here in Warrington allocated mine to the fast track and ordered standard disclosure - NatWest folded very quickly on hearing that news:lol:.