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About Erica

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  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. After the success of my claiming back £917, I have just this week been charged another £76 for unpaid items!! Can I now claim this back too and do I follow all the same procedures from the preliminary approach for payment letter?
  3. Have completed the survey and will definitely be making a donation...just waiting for the cheque to clear...
  4. Just wanted to let you all know that I received a cheque for £917 from Natwest on saturday!!! I filed a claim whcih they acknowledged and said they would be defending, but then sent a cheque out 2 weeks later without any further action required from me. They said in their letter that "We believe that your Particulars of Claim disclose no reasonable grounds or cause of action against the Bank. However, we believe that, given the amount of your alleged claim, it is not commercially viable or cost effective for the Bank to defend this claim". Whatever! Thank you all for your help a
  5. Of course there is! Sorry, I sometimes forget that the templates are there.
  6. OK. I have finally managed to start the moneyclaim form. Just wanted to ask whether there was a certain way I should word the 'Particulars of cliam' section. I am sure that examples are already given in this forum, but I can't seem to find them. If anyone could point me in the right direction that would be great - I just want to make sure that I do this as professionally as possible (that would certainly make a change!). Thank you all.
  7. Right then. Hello everyone. I sent my LBA to Natwest and received a reply within the 14 day deadline (which ran out on 16th June) telling me to naff off. I have been working abroad for the last couple of weeks so have not been able to take any further action until now. As the 14 days ran out on 16th June and I haven't done anything for 2 weeks, am I ok to continue with my claim using moneyclaim, or do I need to write any further letters, etc to Natwest? Also, as I have been overdrawn continually for the last few months, should I be trying to claim back interest charges for the w
  8. Ah, I have a question. I sent off my DPA request and received copies of my bank statements. I have since sent the 2nd letter requesting a refund. Should I have requested the SAR as well? Will I be in a better position if I have this information? Is it a bit late to request this as I have already sent the 2nd letter?
  9. Thanks. I will check out the website. LBA will go out special delivery tomorrow...
  10. Hi everyone, I have spent the last 3 or 4 weeks reading through all your threads. It's very interesting (and slightly scary) stuff. I have already sent my DPA request off and have received copies of all my statements. I have also sent my request for repayment of charges (£837) and received the standard get stuffed letter back from the infamous Stuart Higley. I am now about to send off my LBA. I wanted to firstly say that this site is brilliant - very useful and supportive. Secondly, I wanted to get a bit of advice... In my DPA request I asked for any manual intervention to
  11. It'll be going first thing tomorrow morning!
  12. SAR = Subject Access Request. Not entirely sure what it contains, but I believe that it should list all the charges and give info of any manual intervention. However, I do already have the statements so know what they have charged me. I think you're right and I will just get on and send the LBA.
  13. I realise it may sound like I'm repeating myself, but I just wanted to make sure that I was doing stuff in the right order as once I send the LBA there's no going back! Although, thinking about it, I don't want to wait another 40 days for them to send me the SAR so maybe I should just carry on, send the LBA and watch this space...
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