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Chockster

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About Chockster

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  1. thanks for the advice. We have a new car (bought by father in law) 2 years old - but we are paying back father in law (was £300 per month, but he suspended the repayments until we were back on our feet again). We are council tenants and we don't have any oter assests over £1000. completed the table provided Rent 175 Mortgage 0 Endowment 0 Council Tax 85 Secured Loan 0 Telephone 45 Electricity 35 Gas 28 Other fuel 0 Life Insurance 0 House Insurance 0 Food/ Housekeeping 275 Alcohol/Tobacco 280 Entertainment/Sport 0 Clothing 0 Pocket Money 0 Travel 25 Road Tax 10 Car Insurance 19 Prescriptions/Health 0 Child Care Costs 0 TV Rental 0 TV Licence 12 Contingency 0 unsecured debt 919 student loan 63 Overdraft interest 20 this totals exactly what the monthly income of our household is. have been living like this for a few months and feel we can't go on much longer like this. our bank says we can consolidate our loans in 6 months time into 1 monthly repayment, but not sure we will make it another 6 months. Would a TD solve these issues? Thanks
  2. Hi I was hoping someone could help. My wife was made redundant and is having difficulty finding a job (out of work for 14 months). We are just keeping our heads above water, but have basically no money left after my pay day which pays all the debts. I have quite a good salary and my wife gets £260 a month in JSA. After each month, our disposable income is around £500 (although my wife is a heavy smoker and this comes to roughly £280 a month and the rest is spent on food). So each month, after food and fags, we have nothing left. We have around £28k of unsecured debt. Would we be able to file for a TD? Our creditors always get paid each month, but I don't think we can carry on much longer as this is causing much stress in our home? Any advice is much appreciated.
  3. Hi Sent in my S.A.R - (Subject Access Request), received a letter and a list of charges back from Lloyds, however, they didn't send copies of my bank statements, the charges look kind of low as I seem to recall, lots of charges for unpaid DD's /CHQ charges but none of these are on the list of charges they sent back - just charges for Overdraft Excess Fee & my monthly account charge. Has this happened to anyone else and what did you you do to get a full list of charges / Bank Statements? Thanks Chockster
  4. Finally managed to get my Account Number (from account that's been closed for 4 years), sent in my S.A.R - (Subject Access Request), received a letter and a list of charges back from Lloyds, however, they didn't send copies of my statements, the charges look kind of light as I seem to recall, lots of charges for unpaid DD's /CHQ charges but none of these are on the list of charges they sent back - just charges for Overdraft Excess Fee & my monthly account charge. Has this happened to anyone else and what did you you do to get a full list of charges? Thanks Chockster
  5. Finally managed to get my Account code, sent in my SAR, received a letter and a list of charges back from Lloyds, however, they didn't send copies of my statements, the charges look kind of light as I seem to recall, lots of charges for unpaid DD's /CHQ charges but none of these are on the list of charges they sent back - just charges for Overdraft Excess Fee & my monthly account charge. Has this happened to anyone else and what did you you do to get a full list of charges? Thanks Chockster
  6. Hi I used to bank with LloydsTSB and have charged me thousands over the years, however I've now been with another bank for 4 years. I wish to claim back some of the charges LloydsTSB charged me but have no account code (I do have the sort code). Is there a way I can get my old account statements without my account number from Lloyds? thanks Chockster
  7. Hi I sent my SAR by special recorded delivery with (£10 cheque included) to the registered Natwest address in London (135 Bishopsgate), so far my cheque has not been cashed. Have checked with Royal mail who stated that letter was delivered and signed for on 13th Feb 2007. Is there a number or person I could phone asking if they received my SAR??? Thanks Chockster
  8. do i Send my SAR to my manager at my local branch?? or is there another person I should send the SAR to. Branch - George Street, Edinburgh Thanks Chockster
  9. Hi Have read over FAQ and forums. Have been a customer of George Street Branch (Edinburgh) of Natwest for nearly 4 years. Over the last 6 months I kept going into a unauthorised overdraft and therefore incured a £35 charge each time this happened (usually just before I was paid, charges nearly wiped out half my wages, then process would start again, as I ran out of money each month). Haven't been overdrawn since 18th August, so haven't recently been incurring charges apart from monthly £28 charge for going into a unauthorised overdraft (charges one month in arrears) Would like to get the charges I paid refunded to me. Can someone please check if this is the correct process to start with. STEP 1 - Send Letter to Natwest asking for statements from when I first joined bank using SAR Letter. STEP 2 - Highlight charges and total them up, send a second letter to Natwest asking for total charges to be refunded. (estimate between £2000 - £4000) STEP 3 - Natwest usually send a letter back to say sod off. STEP 4 - send 3rd letter to Natwest (LBA). STEP 5 - Natwest again tell you to sod off. STEP 6 - raise a claim through small claims court. Is this the process I should follow? Going to start when I get paid at the end of this month. Just one question, if I start process, will Natwest close my account from when I start process?? Thanks
  10. Hi I want to recover the charges that Natwest have applied to me since Jan 2003 (opened bank account). In last 4 months, Natwest charged me £1213, since opening account, estimate charges of £4000+. Am I right in that the stages I should go through are: 1) Through Data Protection Act (SAR) request bank statements since I opened account - Cost £10. 2) Once I receive statements, check them and work out what charges have been applied to me. 3) Send Natwest a letter stating that I would like them to refund charges (on template provided) 4) If they don't refund, send 2nd letter giving them 14 days (on LBA remplate) 5) if they still don't refund, raise a claim through small Claims court. Questions: I live in Scotland, are the rules for claiming through small claims court different? Is the level I can claim for different? In most peoples opinions, how far do you have to go before you get your refund? Do most cases goto court? Has anyone tbeen or is a customer of the George Street Branch Edinburgh? Anyone taken them to court? Thanks for your help, its been a pretty stressful last 6 months.
  11. Hi I read an article in Scotsman about this Action group and decided to have a look over. I have received several charges from Natwest (in last 4 months - £1213). Have been a customer since January 2003. Not very happy about charges, I have read FAQ section but wanted clarification on following: 1) Most of my charges have been because I wrote Cheques using Cheque Guarantee Card, thus bank had to honour cheques - each charge - £35. Can I claim back for this kind of charge? If so, is it the £35 less £12 recommended by OFT? or Full £35? 2) Unauthorised Borrowing Fee (Going over my overdraft limit) - £28 3) Occasionally DD's not paid - £35 charge. Not exactly sure how much since I became Customer but reckon its between £3,000-£4,000. Can someone give me help?????? Would I be able to claim charges back or have I no chance? Thanks Chockster
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