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miavega

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Everything posted by miavega

  1. If you go into Vampiresses spreadsheets on google you can manipulate the interest rate just by changing the interest number at the top of the sheet.
  2. miavega

    Query re LBA

    Cool - so just add schedule of charges (which I also took from library and so it covers initial interest but NOT the extra 8%) and post it recorded? Should I copy this bigwig in as he seems to be recommended?
  3. miavega

    Query re LBA

    Okay - is the following ok as my LBA - totally taken from library and am full of cold so have no inspiration as to how to jazz it up and make them pay me!!!!! Any suggestions gratefully received. Also shall I email it CEO's right hand man Michael.duncan@rbs.co.uk? LETTER BEFORE ACTION Dear Stuart Higley, ACCOUNT NUMBER: xxxxxxxxx I am very disappointed that you have failed to respond positively to my letter of the 17th October 2006. 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. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £772.11 plus £157.20 which you have charged me in overdraft interest for the sum which you have taken. Total £929.31. I am enclosing a copy of the schedule of the charges which I am claiming. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Yours faithfully, miavega:x
  4. Hi Wrote to Natwest last week with a prelim letter and have recieved following response today. Dear XXXXX Your complaint regarding charges has been passed to me and I apologise for any dissatisfaction caused by the application of charges to your account. We believe our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff which, we are satisifed, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products. Consequently, against that background, we must differ with the views you have expressed and will not be refunding any of the charges applied to your bank account. Having reviewed your account, I can find no instance where charges have been applied when they were not properly due. They have all been associated with a lack of covering funds in the account at the time items were presented for payment. Accordingly, the charges that have been applied to your account must stand. I am disappointed to note that you are contemplating legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure any Proceedings are served on our Registered address, which appears at the foot of this letter. I accept that this is unlikely to be the answer you might have hoped to recieve but nontheless thank you for taking the time and trouble to contact us. Yours sincerely Stuart Higley Customer Relations My questions are.... * I have seen this guys name before on natwest threads but now can't find it - can anyone point me in the right direction? * I have looked at the LBA in the library and I need to modify it as states no reply - has anyone written a blast of a reply to this type of letter I could cribb? * Should I send LBA to registered address or back to this Stuart Higley guy? Thanks Miavega
  5. Thank you - I shall send off SAR now then...eeek
  6. Hi has anyone had their CC account closed down by MBNA after starting initial action against them? Or any threats to do so? I want to send out an SAR to them today but I have a ££££££ huge balance outstanding on the relevant card. I have no defaults and always pay the minimum payment every month and have been with them for 10+ years. If they do close me down will I be forced to pay the outstanding balance in full immediately ? Thanks in advance for any help on this...
  7. I'm being really dim but have never used a forum before and I don't know how to find the forum pages for each bank and I don't know what a stickie is.... Have searched under forum search with bank name but that just brings up the threads including that name - Help please!!!
  8. Thank you Also from the posts I have been reading it seems MBNA seem most likely to pay up if you go through their Customer Advocate Office - do all financial institutions have these and do they publish the telephone numbers?
  9. Hi Just joined today after filling a claim for £897.70 against NatWest bank. I now want to persue against all my eight credit cards and want to start with the biggy - MBNA with a credit limit of £10,700. Spoke to their customer services department today who informed me MBNA decress their charges are unlawful and are paying NO claims against them - however its obvious to me from other posts that they are in fact paying out. My real question is will MBNA threaten to close my account if I persue them and if they do am I liable to pay this huge amount back immediately? If anyone could help I would be very grateful.... Miavega
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