Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Moorcroft are just a first DCA that Natwest use, after Natwest have stopped chasing it.   The debt is still owned by Natwest and is currently sat with Moorcroft, but in a pile with many thousands of others.   If your new postal address is showing on your credit file, Moorcroft would have sent letters if they thought this was a priority debt to chase.     
    • We signed up to a credit reference agency.  Got an email this morning saying a search had been carried out in my husband’s name.  It’s by Moorcroft who are doing it on behalf of NatWest. Do we worry?  It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  We didn’t respond to it.
    • Hi   I am sorry to hear of your recent loss   The Club I assume you joined would more than likely have had Terms & Conditions, Data Protection, Privacy Policy and did you sign any Agreement to join that CLub?   On Facebook did they actually Name (use your name) on the posts or did they use mum/mother etc?   As has been asked could you give us some background for your reason to send the SAR. If they have refused to give you certain Personal Data under your SAR request then I would suggest writing to them and refering to your SAR Request and their refusal to provide XYZ you requested and that you require clarification as to why this was refused and under exactly which Article of the General Data Protection Regulations (GDOR) they are relying on for this refusal.   The Clubs Constitution is only how the Club is setup you need to ask them for copies of the following:   Data Protection Policy   Privacy Policy (note the above policies may be on that Clubs website if they have one)   This link breaksdowns the General Data Protection Regulations (GDPR): https://www.privacy-regulation.eu/en/index.htm      
    • who assured you you'd get notification of no int time limit ending? thats not a normal MO of these BNPL agreements they are not onliged to warn you?   when did you rake this out and when did you try to pay the Org Sum?      
    • well thats why they got you on this vanquis debt they mugged you on the otherone and saw you were an easy touch and a cash cow.   send vanquis an sar  get all the statements.   to be honest it quite shocks me you've here since 2007 and are talking on phone to a dca?   dx  
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
Rhia

Rhia's attempt at 1990s charges

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3920 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

This is the start of an attempt to recover charges from Natwest dating back to pre 1995. It's a relative's account not mine but they have kept all statements and papers, letters etc.

 

I wish to reclaim all charges for unpaid dds plus interest. At the time the account was running they were being charged 15% plus 5% over base rate.

 

I also need business T&Cs from 1991 onwards. Does anyone know how to get copies?

 

As they have only now realised they can claim these charges I said I would help out. It's a tricky one but the bank involved was odious and deliberately put them under with their punitive charges.

 

Any help anyone can give would be much appreciated. As it's pre 1995 I am not sure which legislation would cover. Would it be penalties and common law? It can't be UTCCR as that was 1999. It could be Unfair Relationships.

 

My first move is to add up charges and work out which way to jump re CI or s69 I know we can claim interest paid out on the part paid on the charges.

Over to CAG.

Edited by Rhia
remove detail

Share this post


Link to post
Share on other sites

So this was a sole trader type of account rather than a Ltd Company then Rhia?

 

£20,000 was borrowed for and under the style of the business, but supported by a charge over the property they owned - I take that to mean their home.

 

The business one would argue was a separate entity to the personal side of life and this is where it becomes a little complicated by comparison to Ltd Co Directors guarantees I believe in that if one obtains a personal loan (which is effectively what you have here) to finance the overdraft of the business it can be argued that if the business failed the proprietor has an interest as a creditor as would other creditors if the business folded.

 

Therefore, if there were bucket loads of charges which could be reclaimed the proprietor could receive the reclaimed monies to repay his/her loan to the company...I think...!

 

I've had this with liquidated Ltd company charges of my own where I'd borrowed heavily to support the business in times of need as we business people are want to do, the banks being only too keen to get the Directors house as security over the business. We were liquidated and that came as a result of many things not least of which were a whacking amount of charges which put considerable strains on the business. I've not got all my statements anymore as they went to the liquidator and it could be argued that with creditors like the In.Revenue and Customs & Excise at the time any reclaimed charges may need to be dispersed amongst creditors, but the company is effectively dead, so that creates problems in itself and all my hard work could just be refunded to Gordon Brown and the Treasury.

 

I think you could pursue this, but there will be hurdles.

 

If anyone can find a way - The Cabot Fan Club can :D


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

Share this post


Link to post
Share on other sites

It's an odd one Andrew1 as the person was self employed and just chucked in the business when the bank hit them with so many charges they couldn't carry on but they never became bankrupt or anything. They just kept paying the loan back at a reduced rate.

 

They also raised extra money on their mortgage to pay into the company and were paying that back too.

 

I think this is just a straight common law approach as it's so long ago but need to think it through properly before striking.

Share this post


Link to post
Share on other sites

One thing to keep in mind Rhia, when charges are refunded to a business there may be tax issues on the 'profits' of the business. The refund would be paid to the 'company', (although thinking about this maybe as a loan had been taken by the business owner to support the business effectively the business has had a loan from the business owner and therefore can pay it back)...but just be aware of the tax implications when totting up any benefits which could take your loss making business into profit and attracting taxation. Just a thought.;)


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

Share this post


Link to post
Share on other sites

Hi Andrew - there won't be any tax issues as he ceased trading and not nakrupt or anything.

I have now added up all the penalty charges (have every statement from 1988 - 1992) and it exceeds £2,500.

Now this is before I add CI. I am aware few have been successful with the CI but am prepared to give it a go as can see that they were hammering 3/4 charges a week for a whole year and beyond which lead to the problem.

A Prelim is on its way and I will give them a good month to come back to me with a response so watch this space.

Share this post


Link to post
Share on other sites

I would be very wary of CI unless your 100% sure of what you are doing it ca get complicated . Nat West will say Limitation Act ie out of time but you can use S32 provisos they may also get it stayed even though its business claim because of OFT case youll have to argue against that regards Gary

Share this post


Link to post
Share on other sites

Initially there was complications with CI.

But it should always give section 69 in the alternative.

The new thoughts on restitution give greater considerations for claiming more than 8%


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

If you are going for unfair relationships then you will need to look at pre action protocols-this could be seen as more of a damages claim.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

Hi guys

 

Rhia sorry to hijack your thread, but I am in a very similar situation as your friend. Trying to obtain statements for a liquidated Ltd company. Complaint with IC as debt is now personal due to guarantee being given, therefore SAR should apply.

 

Just received a demand from Lloyds for full amount (complaints been ongoing since Nov 2007) they have added £7000 to the debt, no explanation no statements so how the hell do I know the figure is correct?

 

I have written to them today stating that and that their best option would be to take me to court, so at least the charges would stop.

 

Sorry once again, just getting a bit desparate for some much needed advice.

 

Thanks

 

S.B.

Share this post


Link to post
Share on other sites

This one is very lucky as he kept absolutely every letter, statement, document etc and all stored away in a box in the loft. They also can't claim SB as when he moved house two years ago they still demanded payment as the whole thing was secured. He paid back a large amount after much arguing but waay more than I think he should but had to agree as they wouldn't release the charge so he could move.

Martin I think you are correct in that it is more damages. This bank clearly wanted him out of business. He had just 3 penalties in 88/89 but in one year I have counted nearly 100 - must be a record. there are such random charges as £40 for a bounced cheque...15 years ago! They seem to have been making it up as they went along.

There is a lot more to it than this but having to keep it simple. I am, quite clear that CI is the way to go but do you mean doing a S69 for the court papers or just offering that in the letter to the bank. I have put letter on hold for a day or so.

Shelbel you need to start a thread I think so you can give more details as unable to comment with what you have posted.

Edited by Rhia

Share this post


Link to post
Share on other sites

Rhia

 

Yes I already have a thread I will locate it again now.

 

Thanks

 

S.B.

Share this post


Link to post
Share on other sites

My thread is in the legal issues forum and is titled Business Debt, PG'S and Lloyds.

 

Thanks again

 

S.B.

Share this post


Link to post
Share on other sites

Rhia of course you would need to mention in your pre court action that you are wanting to claim compound .

Whether they will look at it is another matter-CI as s69 is at the discretion of the Court therefore they will argue that out of Court they are not obliged to pay it.

 

The Sale of Goods and services covers undue enrichment.

Theres also other arguements that can be supported with case law that have not been widely used in reclaims,since these cases are usually well outside SCT.

Its a collective submission of charges themselves under common law,and also the other issues.

The banks in many cases are still trying to halt business claims by using Smiths Judgement-the years we are talking in your case should be easy to show should not be considered with the equasion of Smiths Judgements under Common law-yours are very historic.

The only immediate problems I see is that you will need to try to get hold of the terms and conditions for those periods to try to argue the case for exception.

I dont think NW will be quick to supply them.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

I will see what I can dig up as regards post 91 terms and conditions.

Natwest werent as quick to pull these from the net as Barclays did-so maybe there will be something about.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

I am lead to believe they have a full archive at Lothbury (behind Bank of England) - I'll try that.

Edited by Rhia

Share this post


Link to post
Share on other sites

Not wishing to get the saliva drewling too much Rhia, but I've been reading up a little in the forums idea about the banks profits being used for re-investing and that if you have been denied these monies you can actually ask for compensation on those profits....now there's a thought! - Keep that one in the back of your mind for later! :D


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

Share this post


Link to post
Share on other sites

In the test case I saw the earliest was 99 and they were student accounts.

You can write and ask at least.

If they say no then you could always ask a Court to order them -with them having to answer by statement of truth if they say they have not.

I would think they would not be too quick to sign any statement of truth to a Court if they DID still have them.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

Rhia,

was your friend's loan/overdraft turned over to a router account? Have you read Paul Walton's thread that deals with this?

Share this post


Link to post
Share on other sites

Yes I have read Paul's thread a while back and need to revisit. I have no idea if it was tuned over to a router account.

Share this post


Link to post
Share on other sites

Subbing

Share this post


Link to post
Share on other sites

Hi Rhia

Joining your thread....hoping you will find a way of getting historical T&Cs from Natwest. Watching with interest :)

Gandolfi

Share this post


Link to post
Share on other sites

Hi Gandolfi. I can't for the life of me understand why they won't release these t&cs when a customer (past or present) asks. After all, they are public information and someone somewhere will have kept copies so they will turn up anyway.

 

So this brings me to the What Do They Have To Hide theory> These t&Cs will be a goldmine - keep digging.

 

If they don't hand them over I am just going to go to court for them and give them the costs for the pleasure of doing so. So any Natwest trolls out there, you're on notice.

Share this post


Link to post
Share on other sites
Hi Gandolfi. I can't for the life of me understand why they won't release these t&cs when a customer (past or present) asks. After all, they are public information and someone somewhere will have kept copies so they will turn up anyway.

 

So this brings me to the What Do They Have To Hide theory> These t&Cs will be a goldmine - keep digging.

 

If they don't hand them over I am just going to go to court for them and give them the costs for the pleasure of doing so. So any Natwest trolls out there, you're on notice.

 

Rhia, just a thought flash.. have you attempted to ask the forum? Alan from Derby was calling for all these older T & C's to be kept in a library here I believe some time ago....drop him a PM.


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

Share this post


Link to post
Share on other sites

Hi already asked Alan (thanks Andrew1 ;)) and he doesn't have any but is trawling around as we speak.

Share this post


Link to post
Share on other sites

subbing


GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...