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chinbo99

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About chinbo99

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  1. This topic was closed on 03/07/19. 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. And also thanks for your sympathies Sneaker, in someways its comforting to know that I'm not the only one. In times when so many people are living from month to month, not getting your wages on time can really be damaging, as its starting to be in this case! I can't believe they think they can do this without hearing something from it. Thanks again, and good luck with your problems (unless you've sorted them already of course?!)
  3. Thats pretty helpful, thanks for that. So it looks like they'll be in trouble when I complain about this. I had no notice of the closure whatsoever, so I'm pretty sure thats not "reasonable time to arrange an alternative"! Just as an update, Natwest still don't know what has happened with my account. They told me my wages would be returned to my employer but I have it confirmed from my employer today that they have not received the money, and as far as they can see, Natwest still have my wages somewhere. So I'm off to the bank tomorrow to hopefully get some answers. I'll be usin
  4. Thanks for the reply 42man. I'll give some of those a try. I can't believe I've been treated like this, I'm sure it must be against the law somehow. I have just got off the phone to someone at natwest, and they are investigating what happened, but basically the account is shut and there is nothing I can now do about it other than go and open another account with a different bank. I really want to hit them with the worse (or best if you like!) I can, it has royally screwed up so many plans for me! Any other advise on this would still be appreciated. Chinbo99
  5. Hi there, Not too sure if this is in the right place but not sure where it fits! Hopefully someone can give me some advice on this. Today was supposed to be my payday. I say supposed to be as unknown to me, NatWest have closed my account 10 days ago and have decided not to let me know of this fact!!! Anyway, the history behind it is this. I have two basic accounts with them, one I have kept fine, the other that was overdrawn by £100, every single penny of which was bank charges. Last November I put a claim in for about £450 of charges on the overdrawn account, I was obviously to
  6. Hi there, Hopefully someone can give me some advice on this. Today was supposed to be my payday. I say supposed to be as unknown to me, Natwest have closed my account 10 days ago and have decided not to let me know of this fact!!! Anyway, the history behind it is this. I have two basic accounts with them, one I have kept fine, the other that was overdrawn by £100, every single penny of which was bank charges. Last November I put a claim in for about £450 of charges on the overdrawn account, I was obviously told that about the claims being stayed and the claim had been recorded but no
  7. ..... and I mean could, as Im not sure if anyone has mentioned this or knows anything about it. I will explain. I have two step accounts with natwest, one I have kept in good health if you like, and one that has been £112 overdrawn since November 2007, consisting wholly of bank charges. Natwest have hassled me extensively to repay this money, although I have submitted two claims for the bank charges to be repaid, and constantly threatened me with the account being closed and being defaulted (to which basically I laughed at!). Having endured this for somewhile now, I tried to access my goo
  8. Hi there, Would just like to say well done for getting all those defaults removed, that was a great effort against some really tough organisations. Would just like to know how on earth you did it!!! I have a few defaults on my file relating to mobile phone debts, one for a paltry £16, and I would really like to know how I could go about getting them removed. I know its not the same as going down the CCA request route but don't know where to start. And im guessing that as you have had a carphone warehouse default removed you must have been down the same route as im looking for. I
  9. Bump indeed. I am in the exactly the same position as you, one from orange and one t-mobile, I think they are for really small amounts like £16 and £22, which is a joke, and I definately never received any default notices. Anyone know anything we can do about this. Chinbo99
  10. Hi all, Need a bit of advice regarding a default that natwest are trying to serve against me. The default is completely made up of charges, I do not have an overdraft on my account but by charging me, natwest have taken me overdrawn, by £113 and are now trying to default me for this amount, even though I currently have a claim for about £600 worth of bank charges lodged with them (which has been put on hold). What I don't understand is how they are allowed to do this, ie dispute me for charges which are clearly in dispute. I have received a so called default notice from them, but alt
  11. Hi there, Have just seen this thread and feel that it is pretty relevent to my current situation with my bank, just wondered what anyone thinks I can or cannot do about it. I am currently £113 overdrawn with my bank, I don't have an overdraft of any type, so that being the case, its fairly obvious to see that the whole £113 is made up of bank charges and part bank charges. In fact, its only a real basic account with no credit facility at all so I cannot make myself go overdrawn unless I have bank charges on there. My account has sat like this for some time now. Due to the high n
  12. Thanks very much for the reply's, I'll carry on with the process then.
  13. Hi there, Don't know if anyone can help me here but here goes. Having not really kept up to date with the whole bank charges legal case, in december 2007 I submitted a claim to natwest to get my charges refunded on my current account. I received a letter back from them saying that all cases had been put on hold until the outcome of the legal case; I therefore left it there. After the announcement the other week, I thought it would be worth sending another letter to them along the same lines as the first, but given the outcome of the case, with a bit extra saying that I now wished t
  14. Come to think of it, I've had no contact from any DCA's this month. When did this so called knuckle rapping happen? I think I've missed something!
  15. Another quick question: Am I right in thinking that if you write to a DCA to dispute a debt of any sort that the DCA is not legally allowed to pursue any further action against you until the dispute is resolved?? Thanks
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