ah yes, thats what me bro told me to do, cheers.

natwest have told me they are putting a default on my account.

i told them i wont be paying any money into that bank account to clear the charges in there until i recieve payment of my bank charges....

rite thing to do?

they have a week till friday as i sent my letter off with the charges summary.

Evening Debt Mountain,

Nice one on your 'win' ha..

Out of interest, please could you PM me the e-mail address you used for just post it on here if that's ok ? Would like to keep it for when I get to the LBA/Court filing stage.

Thanks

WP

No..

Chase for the rest and also, don't forget about your interest ! That can make a big difference..

Tell them your happy with the payment, as a part payment only and you'll chase the rest through the courts if needs be..

Look around at other threads to get the general idea.

Thanks

Send an SAR..

I've been promised mine after phoning up, but I'll be lucky if I get them, giving it 7 days (as they advised) if they don't come, then I'll be sending an SAR off straight away..

Small cost, but can be claimed back.

Well,

Had the account from Feb 02 - May 06..

Several charges have been put on the account as I can remember..

Gave them a call today to ask for the statements and details of charges.. No mention them costing me (The accounts closed anyways) just that they will be with me within 7 Days.. We'll see..

Doesn't sound as easy as MBNA to get the charges back, but I'm up for a fight..

Should be fun..

M B N A EUROPE BANK LTD

STANSFIELD HOUSE

CHESTER BUSINESS PARK

CHESTER

CHESHIRE

CH4 9QQ

That's the one.

Hello,

Give Yvonne a ring..

Tell her your not happy and you'd like the full amount, ask them to double check your interest rate, contractual and compound then go from their..

As a guideline, read through other people's post's on this here forum. You get what I mean..

As soon as I get my SAR details back,calculated charges etc, I'm straight on the phone to them..!

Cheers

Mike

Hi Glenn,

Yeah have read through your thread a few times. I'll get my charges together and ask them to calculate the interest on top of that.

The contractual and compound interest. I've been on here loads lately reading through about interest etc, still can't get my head around it exactly. Got an idea of how it works, but soon as I get my charges I'll make sure I'm well upto speed on what I should be asking for !

Cheers again.

Mike

Sent SAR off 13th October.

Soon as I get it back, I'll go through the phone route me thinks.

Can't wait to see how much they owe me.. : )

Thanks again for replies.

Hi Glenn,

Thanks for your reply..

Oh yeash, I do plan to get all of the charges and all of the interest back.. I've tried again on the phone today (to the billing deparment, rather than just customer services) to get some basic info (just the overdraft charges, and late payment fee's) since the account has been open.. was told they can only go back 12 month's, is this true ?

Also, should I cancel my payment protection ? Asked again I know..

I've printed off my SAR today and going to send it tomorrow.

Gonna start my GE Capital when I get home tonight aswell.. and then start adding up my natwest again as lost the excel spreadsheet I had with all my charges... (doh)

Thanks again..

"these things usually change once its my turn!"..

That's so true.. ha.

Mike

Thanks,

I'm getting my SAR together at the mo.

Couple of questions.

I'm not currently paying a DD of fixed £50 per month, should I cancel this ? as overall (after charges and payment protection) I'm only cutting my balance by around £11.. crazy I know.. or, as this won't matter at the end of the day (when I get the cash back) shall I just make my payments as usual.

Also, should I cancel my payment protection ? At this stage, my plan is to get all my charges back, and clear the outstanding amount I owe straight away with the payment.. and most probably have some left over.. hahaa.

Thanks again.

Evening,

Tried to request my statements from MBNA twice over the the phone today.. got the usual of "yes we can print your statements, upto 12 month's. Anything beyond that, each statement will cost you £2.50"

What a rip off !

I'll go the route of S.A.R - (Subject Access Request).

Even explained to the two people and asked the question of how can I get all my statements from sending in an SAR but not over the phone ?! Both weren't aware of what I was talking about.

Oh well,

Just got off the phone to them..

In the last 12 month's I've been charged £523 that's just in the last 12 month's, got another 12 before that aswell, which I'm guessing will be about half of that.

Is it worth giving Paul Miney a ring and requesting a total amount ? Or should I go through the letter route..

Thanks all

Mike

Apologies, posted twice, Mod please remove.

Thanks

Thanks livelylad,

I'll start on it straight away tonight then, I was hopeful that I could get it all back and get the weight from off my shoulders.

Thanks for your quick reply, and I'll keep in touch.

Not been on here much as life prevents me. ha.

Thanks again..

Mike

Ok,

So this may contain a lot of questions but here goes :

I took out an MBNA credit card about 2 years ago..

My balance was 500 (out of choice, opted for lowest amount)

Anyways, after my total limit reached approx 400 I had moved house.

Typical, I didn't change my address (moved from my parents) kept up with the DD's until I missed a payment, hence the DD stopped from my bank account. Which I didn't notice until I was doing my other natwest claim.

Upto today, my balance from charges alone is just over 1000..

Late payments, no payments, and all the other charges for not paying.

Have I a chance of claiming this back ?

I wasn't aware of my credit history also getting a black mark against it..

It's my fault as I should have kept in contact with my parents about the letters I was receiving at their address, and also checked up on my DD.

Can anyone offer any advice on this ? Can I claim the charges back, get my black marked removed etc ?

ANY HELP IS MUCH APPRECIATED, as I cannot afford to pay this with a our wedding coming after the new year ??

Thanks

Ok,

So this may contain a lot of questions but here goes :

I took out an MBNA credit card about 2 years ago..

My balance was 500 (out of choice, opted for lowest amount)

Anyways, after my total limit reached approx 400 I had moved house.

Typical, I didn't change my address (moved from my parents) kept up with the DD's until I missed a payment, hence the DD stopped from my bank account. Which I didn't notice until I was doing my other natwest claim.

Upto today, my balance from charges alone is just over 1000..

Late payments, no payments, and all the other charges for not paying.

Have I a chance of claiming this back ?

I wasn't aware of my credit history also getting a black mark against it..

It's my fault as I should have kept in contact with my parents about the letters I was receiving at their address, and also checked up on my DD.

Can anyone offer any advice on this ? Can I claim the charges back, get my black marked removed etc ?

ANY HELP IS MUCH APPRECIATED, as I cannot afford to pay this with a our wedding coming after the new year ??

Thanks

Hey Elizabeth,

You need to gather a lot of understanding of how the system works first. I did this by first of all reading the FAQ, which can be found quite easily on here. Then I read through many other threads people had started (for a few days, couple of hours a night) just to get my head around it. Even though I tried, I still came accross the problems I had above, I had read enough, but just not taken it all in.

You can find a step by step process on the FAQ.

Hope that helps.

Thanks

Mike

Yay, after some trawling, I can claim for my referral charges.. Am happy now.

Just getting the info on the 8% bit, which if I can remember rightly that it comes in when you do your money claim (read all the info a while ago)

I'll let you know how I get on. Will send Pre Lim tomorrow.

** EDIT.. Thanks to MJANET I got my answer on the 8%.. So I'm off to claim for my £1300+ charges..

Thanks

Afternoon..

Still looking for an answer to my referral charges question..

Can we claim for these ?

Also, when is the 8% added ? When I make my money claim or should it be stated in the pre lim ?

Apologies if it's obvious, not had much time on-line...

Thanks very much in advance.

Mike

After reading through, I understand that the pre lim letter goes to the same address, and I'll also send one to my branch..

One question before I complete the letter, can we claim for referral charges ? Read the referral charge topic and guessing I can't, but please can someone confirm ??

Thanks in advance..

Afternoon,

Got a copy of all my statements (22/06) going right back 6 years : ) - From Stuart Higley..

Came in the most tatty envelope though ! (as advised by others) pages 1-15 of my statements were missing.. Big rips here and their on the envelope, quite concerned, as you could see that they were statements (quite clearly).. anyways. Not here to complaint about that.. ha.

Calculated up all my charges and comes to £1399 + £154.63 Interest (£1553.63)

Next step is my Pre lim - Then LBA yeah ?

Just wondering, where do I send my Pre Lim to ?

I'll keep you updated..

Thanks

**

Edit

Statements and letter came from :

Ground Floor

National Westminster House

225 Shenley Road

Borhamwood

WD6 1TE

Hi all,

Well after reading this site for a while (all night sometimes) I've decided to give it a go and get what I deserve back.

So, I've posted my DPA today.

Think I have gathered all the info in my head that I need.

I'll keep you all updated.

Thanks

Mike