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    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
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need help getting my money back


bartonski
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hi guys,

im pretty crap with money. Although i work all the hours i have, never go out or buy anything fancy i still remain in dept. Every month for the past two years without fail natwest charges me 38.00 in fees. This ontop of interest pushes me over my overdraft for the next month. Its a cycle which i just cant get out of. I realize some people are writing to their banks and having some sucsess. Where can i get templates for these letters? can anyone help?

thanks in advance,

 

Rob

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hello and welcome to the BAG, if you click the link under this post, it will take you to the faq section, where all your questions will be answered and it will inform you how to procede, please take the time to read through it carefully, when you've finished, start a new thread in the appropriate bank forum and have any other questions answered there, b.o.l. :)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Welcome.

 

Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You may want to print these out so they are always to hand. Then look at other threads in NatWest's forum, so as you know what to expect along the way

 

You need to spend 2 or 3 days gradually getting your head round everything. There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems

 

When you feel confident that you understand the process and the various stages involved, post your progress and any questions on this thread

 

Good luck

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Hi,

 

The Template letters are here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

With regards to your current situation, I would recommend you contact Natwest and explain to them your situation. As a responsible lender they do have to be sympathetic towards their customers and the chances are something can be worked out to stop the charges occurring. I had a similar problem with HSBC.

 

Hope this helps.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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  • 2 weeks later...

ok thanks guys. i opted to get past statements and payed 5 pounds in total for 4 years worth. Natwest have charged me a total of 924.50 during those 4 years. On some occasions ive been charged for going over my agreed overdraft limit only because i was pushed over by another charge the month before. On my way to sending the first letter but need to know what the schedule of charges are?

sorry for the dumb questions.....

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ok great ive found the template. just one thing on the letter i dont understand.

 

'What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX '

How do i work out the overdraft interest for the sum taken?

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There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

 

2. 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before.moneyclaim

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  • 2 weeks later...

Rang Natwest for 6 years worth of statements costing 5 pounds. Charges total 992 which is a lot less than i though but still enough to do something about. sent the preliminary letter yesterday to both my banks address and the address in boreham wood. thought id cover both bases....but now im starting to think that might have been a stupid mistake....or is that me just being paranoid?

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i guess alot of people here are getting replies stating that they are not going to refund any of the charges. does this mean i can start with the LBO now or shall i still wait a further 14 days from when they recieved the letter?

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recieved 6 years of statments after ringing customer services. the whole lot cost me £5 and came pretty quickly. Sent the fisrt letter to both my banks local address and to Borehamwood.on the 22/06. Thought id play it safe.... recieved a reply from Stuart Higley stating that they considered it and found the charges to be fair etc.. Recieved another letter 01/08 probably from the letter i sent to my bank which then got passed onto the customer services department in wimbledon. This was from Mark Chamberlain and stated that they need to look into the matter further and that they would contact me within the next 10 days.

I guess sending anything to Boreham wood is a waste of time

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  • 2 weeks later...

ok recieved a letter from mark chamberlain saying that they have reviewed the circumstances and have found that people who are recieving their money back are doing so as they have credit cards. current account charges are legal and fair as i was told about them from the beginning. Hmmm... is this right?

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  • 5 months later...

hi, i started to claim charges a while ago. After a letter saying that they would not refund anything i quit im afraid to say. Recentley i recieved a charge of £35. called the bank and asked them about it. the guy referred to it as a cheque garantee fee. I this wht they call them now? anyway i wont go into detail about the charge. I asked for them to waiver the charge. I got through to the lending department where they told me that they had already shown me a gesture of goodwill last year by refunding a charge. However they were willing to refund half and that that would be it...no more good will for me! I asked him why would natwest refund 6 years worth of charges to some people and only give me £15 back. 6 years worth is a big bunch of goodwill, but the guy couldnt speak anymore about it and that was it.

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Guest dwarren

Hi bartonski,

 

Go for it on reclaiming your charges. You will need to make sure you read all the FAQ's first which can be found here.

 

Don't be afraid to ask questions as people on these forums are very supportive and will help you every step of the way.

 

Remember the money is yours and if you follow the steps to the 'T' there is no reason you will not get every penny back!

 

Firstly you will need to send a SAR to Natwest with a £10 cheque / postal order to get your last 6 years worth of statements. Here is an example of a SAR that I sent to Natwest on my claim (My claim can be viewed here)

 

National Westminster Bank

135 Bishopsgate,

London

EC2M 3UR

 

02nd February 2007

 

Data Protection Act 1998

[template letter removed from thread - the templates are available to registered users only]

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