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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • jk2054
      Evri lost 2 parcels approx. £600 (part 2)

      By jk2054 · Posted

      Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • jk2054
      Santuary Housing

      By jk2054 · Posted

      Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • jk2054
      Santuary Housing

      By jk2054 · Posted

      I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      JK: Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have. Thanks DX, I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Update on my claim and reply from bank manager.

odwyer1980

By odwyer1980
in NatWest Bank

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odwyer1980

odwyer1980

Posted
Posted

Am I right in thinking part one of the procedure is to pen/type a letter to them asking for them to send you all the charges within 6 years? Is this your responsibility to ask yourself, in order to know precisely where you stand with regards to charges, or is there s template available for this procedure?

A simple answer would be appreciated.

 

Thanks

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natalie

natalie

Posted
Posted

Hi and welcome to the site.

 

Yes the first letter you need to send is the Data Protection Act letter. You can find the template in the library. Under the Data Protection Act the bank then has 40 days to send you the information. You need to include a cheque for £10.

 

Hope this clears it up for you

 

Natalie

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FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

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CCA requests sent to

Halifax Credit Card

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Capital One

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18/06/09

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guinness

guinness

Posted
Posted

the £10.00 covers their costs,but you can claim it back later.

best to spend acouple of days reading through the FAQs after you do this.

Data Protection Act sent to Nationwide 19/05/06.

Statements received 24/06/06 - Charged £1,954.50 :eek:

Prelim letter sent to Charles Bacon 27/06/06 :)

Cannot refund letter from Sarah Watson 07/07/06 :rolleyes:

L.B.A. sent to Charles Bacon 18/07/2006 ;)

Claim deemed filed 30/08/2006 8)

* REFUND TIME * 15/09/2006 :p

*£1945.50 + £443.37 interest + £62.00 Court fees*

** DONATION MADE **

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Movingon

Movingon

Posted
Posted

Because that's the absolute maximum an organisation can legally charge you for sending you your data under the Data Protection Act.

 

I urge you to have a REALLY GOOD READ around the FAQ (in red on the main forum list) and in the "Bank Template Library" you'll find all sorts of prepared templates to assist you in your claim. It'll take you a couple of days to get your head round it, but don't be distracted, it's worth it!! Make sure when you start your claim process, to post a thread in the forum for the institution you're claiming against to record your progress.

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odwyer1980

odwyer1980

Posted
  • Author
Posted

Cheers guys.

 

One last question, does the claim include Credit Cards as well?

 

For example, I have a credit card on my NatWest account and have been charged a bomb.

 

Can we request charges from our credit cards in the initial letter to them?

 

Or does this have to be done seperate - if at all?

 

I'll look at the FAQ, but can you provide an answer to this one before I do so?

 

Thanks again.

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Movingon

Movingon

Posted
Posted

Personally I would keep Bank Accounts and credit cards separate as they're usually dealt with by separate commercial entities. So - one letter for all your bank accounts with Nat West, and one letter for all your Credit Cards with them. Initially send the DPA request to the Data Protection Officer, care of the address on your statements. The other letters (later) should be sent just to the address on your statement.

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colour-me-happy

colour-me-happy

Posted
Posted
the £10.00 covers their costs,but you can claim it back later.

best to spend acouple of days reading through the FAQs after you do this.

 

As far as I am aware the £10 is not reclaimable.

 

When you pay the £10 you are actually paying for a service .... getting your information.

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odwyer1980

odwyer1980

Posted
  • Author
Posted

Stone Laughter - cheers.

 

When you send the £10, who do you make it payable to? Just your bank?

 

Also, you mention we have to request the charges for out credit card separately - does this mean we have to send £10 to them as well?

 

I don't quite understand this one?

 

If anyone can answer, thanks.

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thewifeandI

thewifeandI

Posted
Posted
As far as I am aware the £10 is not reclaimable.

 

When you pay the £10 you are actually paying for a service .... getting your information.

 

I would be claiming it as part of my recovery costs (if they had charged it). It even says this in the DPA letter.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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barracad

barracad

Posted
Posted
Stone Laughter - cheers.

 

When you send the £10, who do you make it payable to? Just your bank?

 

Also, you mention we have to request the charges for out credit card separately - does this mean we have to send £10 to them as well?

 

I don't quite understand this one?

 

If anyone can answer, thanks.

 

Hi odwyer1980 and welcome to the site.

 

As StoneLaughter has already explained, you need to spend a good couple of days reading the FAQs thoroughly. You will find a step-by-step guide and lots of other information.

 

Everything you are asking is covered in the FAQs or elsewhere on the forums.

 

If you do have a question that is not answered, please post on here and we will help you.

 

Good luck!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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colour-me-happy

colour-me-happy

Posted
Posted
I would be claiming it as part of my recovery costs (if they had charged it). It even says this in the DPA letter.

 

I stand corrected! In my defence the DPA letter was different when I started my first claim, just seen it now, I am moving on to my next target :D

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richibax

richibax

Posted
Posted

.......I think I really am missing a trick everyone!

I am at the very beginning of the process and cannot seem to even obtain a figure on the total amount they have charged me over the past 6 Years. Their lending division inform me they only hold these details in hard copy and nothing electronically!@$?!, apart from the past year which I may obtain free of charge in my bank. They have told me that they will charge me £5 per sheet on any re-printed statement!

Any tips on obtaining accurate figures on what they have carged over such a period?

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Movingon

Movingon

Posted
Posted

OK, forget what they are telling you.

 

1. The Data Protection Act does NOT just refer to records on Computer. It refers to all records "in a relevant filing system".

 

2. Don't bother calling and speaking to people - they are ill-informed monkeys who don't know SQUAT about Data Protection and Consumer and Contract legislation.

 

3. Write to the Data Protection Officer at your bank's head office address, stating that you sent your Subject Access Request (DPA letter) on and you expect their obligations to be fulfilled by . No delays will be tolerated and failure to comply will be escalated into a formal complaint to the Information Commissioner's office, and possibly into County Court action under Section 7 of the Data Protection Act.

 

You'll either get your statements in time or you won't - if you don't, carry out your threats... and start a claim on an estimated value for the full six years, based upon the information you have in more recent statements, or claim only what you have information for and wait until you get your statements to claim the rest.

 

If you do get them, just carry on the process as normal.

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Movingon

Movingon

Posted
Posted

I just realised; you haven't even sent a Subject Access Request letter yet, have you?

As has been repeatedly stated above, read the step-by-step guide in the FAQ and follow it!

 

If you don't, you don't only jeopardise your own claim; you prejudice the bank's view of anyone doing this and that could encourage them to be obstructive in EVERYONE's claims.

 

First Step: if you don't have statements for the past six years, SEND THE Subject Access Request letter, to the Data Protection Officer at the bank's head office address. Don't phone. Don't email. SEND THE LETTER.

 

They will send you statements. If they don't, see my post above.

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  • 4 weeks later...
odwyer1980

odwyer1980

Posted
  • Author
Posted

Quick re-cap

 

I basically sent step one template claim letter (asking for all the fees I’ve been charged) off around a month ago after that programme aired. The day after my bank manager - who has never contacted me before, phoned me at home and asked for me to confirm a few things before saying it's ok, and he would pass the letter on.

 

I sent the £10 cheque as it stated I should.

 

Well, This morning I received a letter from my NatWest Bank offering me an increase in my overdraft. My previous overdraft was £400 now they’ve offered to increase it to £800.

 

Is this Routine? What does this say?

 

Has anyone else who banks with Natwest had such an offer?

 

It’s not exactly addressed the problem and they have not sent the fees like I requested in the step one letter.

 

I sent the letter after that programme aired last month. How long would I have to wait before they address the problem or even provide me with an answer, if at all?

 

What should my next step be?

 

Thanks

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odwyer1980

odwyer1980

Posted
  • Author
Posted

Quick re-cap

 

I basically sent step one template claim letter (asking for all the fees I’ve been charged) off around a month ago after that programme aired. The day after my bank manager - who has never contacted me before, phoned me at home and asked for me to confirm a few things before saying it's ok, and he would pass the letter on.

 

I sent the £10 cheque as it stated I should.

 

Well, This morning I received a letter from my NatWest Bank offering me an increase in my overdraft. My previous overdraft was £400 now they’ve offered to increase it to £800.

 

Is this Routine? What does this say?

 

Has anyone else who banks with NatWest had such an offer?

 

It’s not exactly addressed the problem and they have not sent the fees like I requested in the step one letter.

 

I sent the letter after that programme aired last month. How long would I have to wait before they address the problem or even provide me with an answer, if at all?

 

What should my next step be?

 

Thanks

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barracad

barracad

Posted
Posted

Three threads merged - please stick to one thread!

 

What should my next step be?
..

 

As has been repeatedly stated above, read the step-by-step guide in the FAQ and follow it!

As above - if you had read the FAQs which has been advised to you over and over again you would not be asking these questions. You must be prepared to put in the groundwork yourself.

 

You may have been casual and mainly indifferent when the banks were taking your money. You cannot continue with the same attitude now you are trying to get it back.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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odwyer1980

odwyer1980

Posted
  • Author
Posted

Where exactly are the FAQ's that answer my questions. You don't make this easy, a forum is supposed to be so we can get help.

 

You merging threads and referring to the faq’s each time, complicate the process.

 

Haven’t been here since I sent the first letter, so I'm lost and need reminding of where to go.

 

Where are these faq's, that answer these question.

 

I’m in the Natwest forum and see no Faq's above.

 

Thanks

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Spiceskull

Spiceskull

Posted
Posted

Assuming that the wording of the letter from NatWest is an "offer" to increase your overdraft, unless you actually want the increase I would suggest writing to the bank, and declining their offer.

 

I would then go on to clarify that the overdraft is comprised of penalty charges, and that a prompt and unconditional refund of the penalty charges should ensure that the requirement for a similar offer will not be necessary in the future...:)

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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