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About Dh1986

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  1. On saturday i received my offer letter from natwest. The strange part is i claimed for £100 and they have offered me £614. All the details are correct regards my account details, address etc. What should i do next, ive checked the letter and the part im supposed to sign and both state " We offer you £614 " so on. Thanks, D.
  2. Ive sent natwest 2 letters, the most recent on the 21st of may, still no reply. What should i do ? NatWest Customer Relations 225 Shenley Road Borehamwood Hertfordshire WD6 1BR 21st May 2007 LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNTS NUMBER: ******* I am very disappointed that you have failed to respond to my previous letter. 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 £131 plus £0.82 which you have charged me in overdraft interest for the sum which you have taken. Total £131.82. I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter. 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 a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice. You are also reminded of my request that you forward a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These are requested under CPR Pre-Action Protocol 4.6©, and your continued failure to provide them will be brought to the attention of the court, should it be necessary to commence a county court action. Yours faithfully,
  3. They take there sweet time dont they ! ok, ill cary on waiting.
  4. Still no answer from capital one, what should i do ?
  5. Thanks for the advice, ill keep it in mind ! Sent the statement request letter today. Legal Compliance Specialist Capital One Bank (Europe) PLC Trent House Station Street Nottingham NG2 3HX 9th May 2007 Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: Please supply me with a complete list of transactions and charges relating to my banking history with your organization. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, [signature]
  6. I am about to chase charges on my capital one account and try for removal of my default. Statement request will be sent tommorow, i will be posting updates here. DH
  7. Recently i won a claim against Halifax for charges on my account. I also received a default notice and wondered if it was possible to get this lifted atall ?
  8. Ok ill do that today, thanks for this. I just want to get it sorted as the ammount of pressure and hassle they are causing is really stressful and i find it effects every day life including my job and time with my girlfriend. Thanks DJ.
  9. Thanks for the welcome. I have read the forums as much as i could, but without sounding stupid i could do with some one who has had success to tell me what to do. Reason being im only 20 and im very daunted and to be honest, scared with the issued threats etc. Thanks again.
  10. Well here we go, after recently receiving a default notice on my capital one account i started to seek advice. I found this site and realised its the place to start posting. The situation is, i have a capital one credit card with £500 agreed limit. They have issued me with numerous late payment charges and interest taking the balance to £700. They have also recently issued me with a default and threatened they would pass my debt to a recovery agency. I would like to sort this before it happens. Where do i start please ! DJ
  11. Hi, i found this site whilst browsing google for some financial advised. So far the site has helped me claim £640 from natwest and a further £340 from halifax. I am finding it hard dealing with my current financial situation, i have a number of companies which i owe money and its making it very hard to last the month. Here is a quick run down of my history. Capital One credit card £600 Owed Halifax Student Current account £1261 Owed ( Waiting for the £340 charges to be refunded ) Natwest - Nothing Owed A&L - £2700 Owed. Only today i thought back to when i was in full time education, and when i had my overdraft of £1200 with halifax. After only a year i came out of education and my over draft was cancelled by halifax due to me not being a student any more. This left me owing halifax £1200 ! They made a number of phone calls to me asking for £300 a month etc, me not knowing what to do and under pressure agreed to the ammounts they wanted about 3 or 4 times. Eventually they filed a default ad wanted it all in one go. At the moment im paying them back £30 a month. I just wanted to know is there any way of getting it written off. i dont feel cancelling my over draft and demanding it all back is fair practice. Any other advise on clearing my other debts hassle free would be good. Thanks ! D.
  12. Hi, im new here. I noticed this site is jam packed with useful information and very helpful members so i thought id try and post to get some advice. Basically heres the situation im in: I have had a lot of charges on my natwest account over the past year that i have been with them. Total ammounts im unsure about at the moment. At the start of december i posted a letter to my local branch of natwest, asking them to refund unautherised overdraft charges and other charges taken out of my account. I had no reply to this letter. After this one i sent another one about mid december. Again i had no reply to this letter. This is 2 letters i have sent natwest now and i havent received one back not even to acknowledge my complaint Whats the next best step to take, thanks.
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