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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Help Please with Nat West Terminology - Is Yourbank around??


jaxads
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Any thoughts as to where best to send a request for a refund of monies paid via a third party (collection agents) to NAT WEST. The funds were paid over a number of years, but all the while they've had no agreement and have admitted this.

 

As soon as I requested copies of signed agreements from the colletion agents they immediately returned the account to NatWest. Nat west have since admitted there is no agreement. Obviously since then I've not made any further payments!!

 

Having only been aware of consumer rights (thank you very much CAG :)) for about the past two years, have now decided to take these lot on!!! It could be a biggie :-o

 

.... and very interesting if I get a good result (although i won't hold my breath!!)

 

Been dealing with NatWest in Telford, but not sure if this is the best place to write for a refund given that it is an "archive" account.

 

Is "yourbank" around at the mo????

Edited by jaxads

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Customer Relations

NatWest

Freepost

Nat 12685

Borehamwood

WD6 1BR

Send your request to this address

Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

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Thans hawk will do - i just wasn't sure with it being such an old account if I'd have to send it elsewhere. Will use that address and hopefully catch the mail tonight. Wish me luck :eek:

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Good luck mate and remember to send your letter by recorded mail so that you can proove that the bank received it etc. And when NatWest lift the block on charges we will be in the que to get paid out first. I am currently in the process of claiming charges on 3 Natwest accounts for myself. Got 6 years worth of statment through today in post for one account and NatWest owe me just over £250 on one account only lol so i cant wait to get the other statments and work the charges out there. And if you get no luck with NatWest then I'd take this matter to County Court which you can aslo do online now.

  • Haha 1

Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

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Hi -- it's not charges that I'm trying to claim back. it's monies i paid to them, via a third party, off a large old business debt. They have no signed papers to back up anything, so I'm attempting to reclaim what I've paid. As I said, it would prove very interesting were I to get anything back. In any case, I'll not be paying anything more to them!!

 

I know there's been a few successes with reclaiming money paid to third parties, but as the third party have passed it back to nat west, I;m now just wondering if I should try to claim back from the third party, given that it was them that I paid??

 

Any more thoughts peeps???

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Update -- natwest have confirmed having received payments.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Update -- NatWest have confirmed having received payments.

 

Hello Jaxads,

 

Interested in your next move:grin:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 5 weeks later...

Hi - just received a response from NatWest, to a SAR equest. Despite them knowing my address, and communicating with them since July of this year from that address, they want me to go into Branch with utility bill to confirm the address and ..... wait for it ...... they also want to update my signature, so do I need to go in and sign.

 

Anyone know if this is right or has anyone had to do anything similar in order to get the SAR info???

Edited by jaxads
changed, I'd put CCA when I meant SAR

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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NO!

Do not sign anything. As I see it they want your signature. someone with more BA**S will tell you why.

They have been quite happily sending you statements to your home address so why would they now be balking at sending your SAR? Alterior motives???

 

fox

Edited by silverfox1961
SEE OP

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Just been having a think.

If Natwest are being stubborn then you can provide a signature but put a couple of lines through it so that it's distinctly different from your normal signature.

I'm not saying natwest would do this but it has been known for certain institutions to "lift" your signature and copy it to an agreement.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Just what I thought ...... I want something with my signature on ....... and they want me to sign in branch to sign my current signature ......... they might think I was born yesterday, but I wasn't and I have the wrinkles to prove it :eek:

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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If they have sent you bank statements to that address for a number of years, the Information Commissioners Office view is that it is not necessary. However, if you have no relationship whatsoever with the bank then they would need to see some identification.

I do think as well that your signature is probably not on file(we have somewhere to check that and sometimes it does say "signature not on file"--partially it relates to the changeover of NatWest systems to NatWest). I would await until you have received a CCA requested and resolved all issues prior to updating it, if at all.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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  • 1 month later...

Hi All

 

I've received part of a subject access request from Nat West, it's a Security Event History sheet, all in their internal shorthand.

 

They've not provided me with any explanation, but here are some of the codes, can anyone help with translation??

 

PRP C/U - then an amount

 

L/O L/P warn E/As

 

PME

 

S/r released

 

Any help, as always, would be very much appreciated xx

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Shameless bump xx

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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That is non compliance with a SAR as the format has to be accompanied by terminology that explains what those definitions means. I have to admit that I don't understand the terminology that they are using. Had the first term said CUI and an amount then yes I think I understand that as being a cheque that someone paid to you being returned unpaid. Need to have a think about those terms but I think a letter might be in order to Retail Regulatory Risk about SAR and that terms needs to have an explanation for them to be compliant with them. Hope that helps.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi Yourbank - many thanks for your help, I'll get a letter sent off and keep the thread updated as to how I get on.

 

Best wishes

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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