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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 using some of the info in that link as ammo!
  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 told that about the claims being stayed and the claim had been recorded but no further action would be taken at present blah blah blah. I have therefore refused to pay back the charges on this account until the case has been resolved. My other account has been run flawlessly throughout this period. I knew I had little money in the good account so have not used or looked at it for the past couple of weeks, as I had already paid all my bills from last month. So on Sat 1st Nov, I tried to access my account online, with no luck. I rang NatWest and they tell me that they could not access my account either, but that it had not been closed, and to ring back another time. So I ring back monday this week, and I get the same response. I query about my wages going in this Friday (approx £2000!) and they say there will be no problem. So today I try to access my account with my cash card, no can do apparently. I try online and still no luck. Obviously getting pretty worried now, I ring them again. After about an hour of 'heated' debate, I am told by customer care that my account was closed on 27th October and they can tell me nothing more. So what about my wages I say. The payment will have been returned to your employer they say. Cue much swearing and losing temper. Basically I have no money at present and was heavily relying on this money to survive ie I have hardly any food at home, the car is running low on fuel and my home phone line has already been suspended as I have not paid this month and cannot now do so. My employer have a centralised HR department so as much as my query to them about getting paid my wages another way is urgent, I will be lucky to get a response before monday. I am effectively screwed because NatWest have failed to inform me of there actions. No letters, no phone calls, nothing. I really need to know what I can do about this. Surely it is not allowed, and what are my options to get back at them. To say I am livid at this point in time is a serious understatement. Is there anyone I can contact about this, it is surely a breach of some contract or regulations to leave me in this situation without telling me. I know nothing about the laws involved with this but surely they cannot shut all my account due to £100 of bank charges and not tell me, given that I would have paid the money from my wages if I'd known that were going to do this. Someone please help, I am in utter dispair and do not know where to turn. Oh yes, one last thing, I am waiting on NatWest getting back to me about what has happened, but I doubt that will be til next week at the earliest! Thanks for any help you can give. Chinbo99
  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 further action would be taken at present blah blah blah. I have therefore refused to pay back the charges on this account until the case has been resolved. My other account has been run flawlessly throughout this period. I knew I had little money in the good account so have not used or looked at it for the past couple of weeks, as I had already paid all my bills from last month. So on Sat 1st Nov, I tried to access my account online, with no luck. I rang Natwest and they tell me that they could not access my account either, but that it had not been closed, and to ring back another time. So I ring back monday this week, and I get the same response. I query about my wages going in this Friday (approx £2000!) and they say there will be no problem. So today I try to access my account with my cash card, no can do apparently. I try online and still no luck. Obviously getting pretty worried now, I ring them again. After about an hour of 'heated' debate, I am told by customer care that my account was closed on 27th October and they can tell me nothing more. So what about my wages I say. The payment will have been returned to your employer they say. Cue much swearing and losing temper. Basically I have no money at present and was heavily relying on this money to survive ie I have hardly any food at home, the car is running low on fuel and my home phone line has already been suspended as I have not paid this month and cannot now do so. My employer have a centralised HR department so as much as my query to them about getting paid my wages another way is urgent, I will be lucky to get a response before monday. I am effectively screwed because Natwest have failed to inform me of there actions. No letters, no phone calls, nothing. I really need to know what I can do about this. Surely it is not allowed, and what are my options to get back at them. To say I am livid at this point in time is a serious understatement. Is there anyone I can contact about this, it is surely a breach of some contract or regulations to leave me in this situation without telling me. I know nothing about the laws involved with this but surely they cannot shut all my account due to £100 of bank charges and not tell me, given that I would have paid the money from my wages if I'd known that were going to do this. Someone please help, I am in utter dispair and do not know where to turn. Oh yes, one last thing, I am waiting on Natwest getting back to me about what has happened, but I doubt that will be til next week at the earliest! Thanks for any help you can give. Chinbo99
  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 good account today and found that the account had, as far as I could see, disappeared, along with the overdrawn account. Given that I was due to be paid on friday into my good account, I geared myself up for a good row and gave them a ring to ask what was going on. I was basically told that both my accounts had had "cash-stops" (whatever they are) put on them and that until I agreed a plan to repay the money, my accounts would remain invisible. So I argued for a bit, then agreed to pay the money as I don't have much choice. Ok, so you're now bored reading this, I promise this is the interesting bit! I remembered recently looking at the back of my natwest statement and seeing some information which stating something like: "If we need to take charges or interest from your account, we will do so on these set dates:" (list of dates, approximately at the end of each month) So I asked the kind man at the end of the phone why it was that they tell me one thing on the back of the statement and when it comes to taking charges for failed DD's and standing orders, they take them instantly. He dithered somewhat but basically replied that DD's and Standing orders are different to standard charges and interest and can be charged instantly. I asked if it says so in their banking terms. Again, he paused and said "Errr... yeah it does". So I asked if they could send me a copy of the documentation where it says this, as I had never read it before. The man instantly hung-up. Now, Im not saying I've struck gold here, but does anyone think their maybe something in this, I haven't tried ringing back and speaking to anyone else yet because I'm still amazed that he just hung up. Is there a case against natwest for breaking there own banking terms???? Any thoughts on would be greatly appreciated. Chinbo99 p.s. sorry for the long winded story!
  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. If you can't help then maybe you could point me in the right direction on this site, as I haven't found much info about this! Thanks for any help. Chinbo99
  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 although the covering letter makes reference to "the accompanying default notice", on the document iteself it doesnt actually say it is a default notice. Also, the covering letter states that I have 28 days to respond or make payment arrangements, whereas the "default notice" states that I will be defaulted today (17/07/08) if I do not respond. Now given the letter was sent on the 30/06/08, those two timescales do not correspond. I know I may be trying to pick holes in what is obvious a serious attempt by the bank to get me to pay up, but I really dont want to pay them back this money as I dont think it is fair. Anyone have any advice or suggestions about what I could do? Cheers in advance. Chinbo99
  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 number of charges I have had on this account, I put a claim in for them in December 2007, and got the reply about the claim has been noted but the cases are on hold etc, so left it at that. After the ruling a month or so ago, I re-issued the claim with some extra charges attached to it, and received a slightely more detailed letter saying the claim was on hold and detailing more about the decision etc. So again I left it, figuring I'm not going to get anywhere. Yesterday, though, I have received a notice of intended default (ie they are intending to default the account on 18th July if I have not paid the balance off). Now I don't think this is very fair, the charges on the account are clearly in dispute, and according to the last letter they sent me the FOS and FSA have agreed to the claims being put on hold SUBJECT TO CONDITIONS THAT PROTECT THE CONSUMERS RIGHTS. Issuing a default notice against me while the charges are in dispute is clearly not protecting me in anyway. What do you reckon I should do about this? Any hep would be appreciated! Chinbo99
  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 to follow up that claim given the the recent result. I received a letter back stating that they are still not willing to look at my claim yet but it has been logged. So basically, Im not sure where to go from here. Is it worth pursuing the whole thing or should I just wait?? I could really do with getting somewhere with this as they have recently started getting nasty with me about one of my accounts that is overdrawn that I cannot really afford to pay back, and the whole overdue balance is bank charges. Any advise would be gratefully accepted. Chinbo99
  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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