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sieski

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About sieski

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  1. Secondly, Are unauthorised overdraft fees reclaimable? yes Ok and this is via the standard prelim letter this one "*My request* I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the
  2. Hi. I'm helping my Dad out here claiming bank charges back. He's got every statement he ever had!, though I know we can only go back 6 years. A few questions. Is the 6 year date from date you start proceedings I.E Prelim letter? or when it gets to court. I ask because there is a charge 22/01/01. So The prelim letter will be sent and recieved (hand posted for effect lol) but obviously if it eneded up with a court case it would be outside six years. Secondly, Are unauthorised overdraft fees reclaimable? after all my Father didn't ask them to authorise the payments that made him overdra
  3. On going to the above said section. I can access the data request template, the letter before action template, but not the prelim template. Everytime I do try, it comes up with the log in page. No other sections of the forum do this. Any Ideas?
  4. Friend took broadband total option 3 out. Now ever since it went live 15 days ago, it spends more time unconnected than connected through no fault of hers. She has been on tech line nmerous occasions. over a hour twice and no less than 14 times. She phoned up on her 14th day to state she wanted to cancel as she is paying for a service that isnt being provided. They said yes thats fine blah blah blah etc etc someone wil call u back after 12 onwards, we cant me more specific though (funny that isnt it?) No phone call anyway. She phoned up next day and stated the same..... they said she
  5. I got this letter back this morning off Natwest saying ....... Thank you for your further letter of 2nd September 2006. I regret that there is little that I can add constructively to my last letter and note your proposed action. I have alerted our lawyers and litigation department accordingly. May I please remind you that the address to use when initiating legal documents is that of our registered office below Little he can add constructively??? How about answering my question for a breakdown of the charges? Does that mean I can go ahead with court action now or do I hav
  6. Bloody cheeky NatWest staff. Not only are they breaking the law by making these charges, they showed a complete disregard for the data protection act! My girlfriend went into my branch and the Manager (of all people!) entered my Acc number and upon seeing my name I presume asked "are you mr Herrings partner" my partner replied "yes". The manager then went on to ask do you know whats going on in regards for his claim against the bank charges" WTF?? "as I replied to his original letter and his second letter has been passed on to customer relations" My gf just said "no I haven't a clue"
  7. Update in my case. Prelim letter sent 18-08-06 NatWest branch manager offer in full aslong as I give up future rights to question charges. Not accepted 22-08-06` Letter back to NatWest accepting offer but with no conditions attacthed. 29-08-06 Letter back from natwestcustomer relations offering no further action and have a nice day basicaly 31-08-06 LBA sent to NatWest 02-09-06 Answer awaiting
  8. Hi just want some advice for my second letter to NatWest. On 18-08-06 I sent the prelim letter in the libary. Amount claimed was £76. No schedule of charges needed as I have every statement for last 3 years and thats as long as I've been with them. Got letter back today 25-09-06. Seems pretty standard apart from one bit, the bit in bold. irst I'll type the letter up so you can see for yourselves thank you for your letter of 18th august 2006 and I apologise for any dissatifaction caused by the application of charges to your account. we believe that our charges are fair, reasonabl
  9. My branch. I would suggest thought the address on your recieved letter would be the best to reply to. Simon
  10. Hi just want some advice for my second letter to NatWest. On 18-08-06 I sent the prelim letter in the libary. Amount claimed was £76. No schedule of charges needed as I have every statement for last 3 years and thats as long as I've been with them. Got letter back today 25-09-06. Seems pretty standard apart from one bit, the bit in bold. irst I'll type the letter up so you can see for yourselves thank you for your letter of 18th august 2006 and I apologise for any dissatifaction caused by the application of charges to your account. we believe that our charges are fair, reasonabl
  11. Hi just a quick question. I have a car finance loan with the above mentioned companie. Due to a bank error (yes they do happen SNIGGER) it was paid late. Now I have a 20 pound charge for a letter telling me about my bank not paying the D/D. Based on the bank charges section and credit cards, doesn't this fall under the same section of unfair charges i.e I can tell them where to go with the charges? Thanks in advanced.
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