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Iwonthaveit

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Everything posted by Iwonthaveit

  1. Thanks for your response I have reported the crime to the police today, and got a crime number but it so unfair. Thanks again
  2. Hello Ladies and Gentlemen Sorry to disturb you all but I was wondering if I could get some help I have had my amazon account since 2009 and I have only got refunds in the past except for two times in November 2016 for books that never arrived, However with Covid-19/Lockdown from April onwards I was ordering alot from Amazon, when ordering a message would state that because of Covid-19 deliveries would take longer than usual which I accepted most of my orders I received (when the Post man leaves a red calling card for me to collect my items at the depot or when it small enough for the items to inside my external mailbox) but a few I didn't I realised that quite a bit of time had gone past I would message Amazon on their customer service chat and they would tell me that I had received the items which I was adamant that I hadn't and I was offered a refund I accepted in early August I was sent a a message from Amazon saying they have noticed that I have been refunded for a lot of items and whilst they accept a 'occasional' missing item if I claimed anymore refunds I would not be able to purchase anything from there website I totally accepted and understood I responded that I have told you in years past that my actual house door and mailbox are situated more than 100 yards apart and last week I came from work and found my external mailbox damaged and broken into, When I checked amazon to see when my Amazon items would arrive to my horror it stated 'Handed to Resident' on the very same day I came home from work and my mailbox damaged and broken into (as Amazon made it clear that if I made any refunds requests they would close my account) I sent an message on the Amazon chat and an email to Amazon asking could they inform me (description) of who the person the delivery driver handed the items too I made it clear I was not asking for a refund just information on who this person as I believe person is behind my missing Amazon parcels/items and damaged mailbox the following day I receive an email saying that my Amazon account has been closed which totally threw me. I was dumbstruck I informed Amazon I was at work at the time so I couldn't possibly have been the person the items handed to as I am the sole occupant of my flat. I emailed the Amazon account specialist asking for explanation they said I have made too many refunds requests (despite not asking for a refund for the latest item going missing so my account is closed) I get the Manager at work to write me a letter confirming my whereabouts which at work from 9AM-5PM and send to amazon and asked them to inform they could they tell me (description) who took my items but Amazon will not still release information on who took the parcels, I went to the police as I wanted to report this as a crime but the police told me it just lost property. I would like to ask CAG is there anything I can do to compel Amazon to instruct there delivery driver to inform me who receive my items even though I provided proof I was not at home address when the item was said to be delivered?
  3. I do know if this good or bad news to be honest!!!!!!!!!! Slick you are not going to believe this but I recieved a letter ou of the blue telling me they have written off my loan, I did'nt ask them to do that however due to mistakes NatWest/RBS has left me with a bad credit history nad no other hight street bank will accept me due to the false defaults on my account and my account being takem to recovery stage they still will not let listen to phone conversation they falsey transcripted.
  4. ‘Touche’ I believe is the word or is it ‘checkmate’ Slick you are amazing you never guess what now they can let me hear the conversation in one of there branches,however they will not allow me a copy of it for my own personal record due to data protection, oh yeah what silly reasoning………………..
  5. thanks so much slick I have stated this to them and it seem to be having a strange effect all of a sudden they will not release the recording as they know it will contradit with the false transcript they sent me if they think they getting away with it the got another thing coming. thanks once again slick
  6. thanks Slick132 I have but the transcripted conversation they sent was falsely transcripted in favour of the bank I just woild like to know is there a legal obligation on there part to give me an recordings of the conversation. once again thanks for you help
  7. Thanks Slick132 and fair point thanks again for looking over my documents may I ask would you know how one obtains audio file recordings of conversations with bank? Are they legally obliged to give it to me.
  8. But when a formal Demand is issued I am still entitled to 14 days til expiry the fact is they deactivated my account on the 17th Jan then after sent me this Formal Demand I am trying to get Natwest to admit that was they sent was a Formal Demand. I am very sure a demand for payment is supposed to be made (step 1) first then after the customer lapse the 14 days and still does not rectify the situation (step 2) then it sent to recovery and deactivated.
  9. thanks Vicky I knew was silly,is there anyway I can force my bank to give me information do I have to send a SAR for information on Formal Demands including Definition? Would I find this information on a CCA or my original loan agreement I looked on the NatWest site under FAQ and done an internal search could not find unoffically I know fully well what is but I need NatWest to send me their own definition as well the offical expiry date on Formal Demands as proved they breached their own rules and sent me to the recovery dept.
  10. Satutory Demands have expiry dates don't they?
  11. guys I know this is an old thread and I am not trying to hijack but I must be only person on earth allowed to take funds whilst in the collections dept but wait the reason why I was allowed to take funds out of my account was my account was at Branch level something the case handler who claims to be highly trained omitted in her final response letter.
  12. Thanks Vicky , I more than definatly will post my story up just to update you, this may have been silly but I have asked NatWest to give me information on Formal Demands including Definition under the Freedom of Information Act and if they don't I will seek remedy they have 40 working day as the definition of a default notice is in the public interest, as I can no longer accept this dispicable behaviour from Britain's so-called Most Helpful Bank
  13. Guys when you complain to financial Ombudsman about a bank in my case NatWest can you claim compensation as I have been treated badly by NatWest – for hurt feeling and stress: as I have felt so helpless since this whole thing took of and I dare say suicidal -inconvenicences:I am having bailiffs chasing me as I have been unable to pay my bills since they deactivated my account, the PPI Company are chasing me for there fee for helping me get my PPI refunded but I cannot pay them as RBS paid my PPI compensation into my NatWest deactivated account and they have taken those funds to pay for credit I owe them for, you know the real funny thing is that my PPI was paid into my account 10 days after my Formal Demand was issued, NatWest are so greedy they didn’t even let my default notice fully expired (its 14 days from date of issue) so technically I did satisfy my arrears but they still passed me to the Recovery Dept (yeah beggar’s belief huh). Postage: I have spent tons envelopes, phone calls, sending letters by recorded and special delivery (that is £5.00 a time) Any help?
  14. Remember the mantra : NEVER communicate by 'phone. Send EVERYTHING by Recorded/Special Delivery Keep a copy of EVERYTHING sent Keep hold of EVERYTHING received
  15. well that some good information I never knew the banks can be so slimey woah!!!!!!!!! this happened to my isa account only had six pounds in it never thought much of it till now
  16. You Guys are super amazing!!! Guys is this true that if they do not respond to this in 40 days you can report the bank to information commisioner http://www.ico.gov.uk/
  17. to be honest I do not quite which but the one NatWest sent me did include what I have to pay to satisfy arrears, bt I will endeavour to post up a scanned copy of he the Notice
  18. thanks Vicky (is it ok to call you that) I truly do not know what is wrong with that NatWest Bank, and I am never a person to complain about anything, I am trying to get an offical document stating what you just said from NatWest as when I take my case further, I am really trying to do as much groundwork as possible as I am not slagging of the FOS but I heard they can also complete shoddy investigations in favour banks and I really want to reduce the chances of that I have wrote to bank asking for an official document about the definition of Formal Demands and there expiry dates and they are intentionally taking long to answer I sent them a letter asking this February 4th by special delivery. I have looked at my original loan agreement and cannot find anything at all on it.
  19. Hi All Would any one know what is the expiry date of Default Notices when issued by Natwest bank? is it 14 days from issue? please any help would be greatly appreciated
  20. Guys if any fellow poster need it this is a member of NatWest Executive Response Team Group Customer Relations his name is Tony Smith email: [email protected]
  21. Would you by anychance know who Brian Hartzler is
  22. Guys would anyone also know what is the difference between a informal notice and formal notice in terms of loan defaults.
  23. guys would any one know the answer to these question when staturtory demands are issued is there a set numbers of day given to satifsy the arrears before the bank demand full repayment of the loan? i.e. if you missed three payments on a loan does the statutory demand give 14 days to satisfy the arrears before the full amount is requested, please, please, please need help on this.
  24. does anybody know anything about Satutory Demands do you get 14 days to satisfy arrears, please any help appreciated
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