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    • Thanks all, especially the information about Kev! Yes, I'll make the mods you all suggest, especially the client bits (didn't realise it was a one man band). The only thing I'm not sure of, is the best way to "sign off", especially as the Keeper is not so keen to sign. So I'd much rather send it from our pet dog. BTW does anyone know about the landowners at Harlyn Bay? I did try to find out last year but couldn't find anything useful, and whether it is worth raising this massive cash generator scam with them. I'm guessing the landowners get a small percentage, so happy to go along with it?
    • I haven’t reply, so the hearing hasn’t been decided 
    • whitelist - the same with mine....the battery had a mind of its own. i bought it for my Son...he'd shut it down and it would be completely off but the power light would either stay on or flash...also it wouldnt start properly, had cmos errors on boot and other stuff.   i bought it through HP store on ebay ..brand new. after 6 days of receipt i recieced an email from HP asking if i was happy...i returned an email saying no and that i want to send it back as it was faulty (basically the email served as a reminder for me to leave them good feedback lol...not as a geniune enquiry to actually make sure i was happy with as they didnt reolve the issue when i was not) after trying to sort it for a couple of months with HP not replying, not offering a solution etc i finally got passed tech support who confirmed it was faulty. i then had to return it to their factory. this is where its gets beyond worse...waited 3 times for parcelforce to collect - they didnt. in the end HP sent me a label which i had to take to the post office - not good as im disabled with a mobility disability. then they asked for my bank account number to issue the refund. they hardly ever replied to my emails and it took over a month and a half to refund me once they had received the laptop back. no explanation, no progress emails, no updates. i kept emailing them on a daily basis as no one would reply to my emails through the website, forum, internal email addresses and even phoned 3 different departments who basically had no idea what to do or what was going on and did not help...they couldnt even tell me when the refund would be issued, let alone why it hadnt been done already. on the forums theres other customers who've had to wait 6 weeks , 2 months , over 2 months etc...it seems as though HP like to with hold peoples money to earn interest on the money in their account. i spents days phoning and emailing them - even sent a recorded letter. at the begining i phoned citizens advice and they said i am entitled to put back into the same financial position as before i lost the out of pocket expenses ie: compensation for my time and recorded letter sent etc. ive started a martin lewis 'resolver' case with them and basically in a snotty reply they told me im not entitled to compensation which is contradictory to what citizens advice told me. i was just wondering if theres any .gov website or law/legislation that i could reply with and say "no your wrong - please compensate me"
    • LBC is here. Complete with a note showing a phantom payment. What to do next?
    • I suppose it doesn't make a massive amount of difference as Kev has never had the guts to do court - well at least not yet - but to me the number of cards played still needs to be reduced.  Given the OP has already referred to the "very busy and overflowing car park" in the appeal I'd refer to that and tell Kev to go and look up case no.3JD08399.
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Warms vs NatWest ** WON **


Warms
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NWSM, I appreciate your input and apologize if I came across unneccessarily harsh ;)

Hadn't had my coffee when I wrote my last comment :oops: ...

 

Unfortunately all details re. the old account have vanished from the online banking site so I can't re-check. I'll see what they called the 12.- charge when they send us the final statements for that account.

 

Went through some of the statements they sent and by the looks of it most of 2002 is missing. Luckily we have quite a few original statements from that year.

OK, I'm off to do some adding up now :D

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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Round about 1300,- is what we want back.

Took me 3 hours to add everything up, used the spreadsheet which is very good:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html#post750

Next letter will be the prelim plus another one asking for the missing statements/charges and all the other Data Protection Act info we asked for.

BTW: We got our statements in nice white envelopes :D

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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'smee again :D

On Tuesday I want to send Mr. Cunnane

1. our prelim asking for £1229.- back

2. LBA re Data Protection Act

3. a new Data Protection Act for info on NatWest credit card

As NatWest haven't cashed the £10.- cheque I sent with the last DPA (they took £5.- out of the account instead!) I'll ask them to use it for the new one.

 

What do you guys out there think?

Any comments?:rolleyes:

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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The above have been sent.

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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I got my "Stuart Higley" letter today! :-D

Listen to this bit:

"The bank is under no obligation to explain how its charges are calculated and we are not prepared to enter into any correspondence on this matter. The compilation is a confidential commercial matter."

Right, so I'll send my LBA ...:rolleyes:

Also want to submit a complaint to the OFT. So far I have the Director of Enforcement and Credit Licensing,

Ray Hall's email address. He is the man for Consumer Credit Act 1974 issues. Has anyone out there dealt with him/done this before and can maybe point me in the right direction what to write/how to word it?

Thanks ;)

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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Hi Andrew :)

I'm sending the LBA to the following address:

 

National Westminster Bank Plc

135 Bishopsgate

London

EC2M 3UR

 

I am not addressing an individual, the letter just starts "Dear Sir/Madam".

 

Good luck with yours ;) and keep us updated!

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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Warms sorry for this minor hijack but need to respond to above. Andrew1-windchest asked the question, and I answered it. As to your question I will answer it in the manner many others have STANDARD LETTER.

Warms apologies again and Good Luck

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Ouch !:o duly told off and apologies if I hijacked. Actually it was Warms who pointed out the sentence in the letter, Windchest only asked if Stuart Higley existed. I posted the same thing on my thread not knowing Warms had posted the same thing here and it appears that both of us found it shocking and neither of us got any response so I just wondered what you thought of it given all your valuable input into the forum. No hijack or offence meant in any way shape or form..:wink:

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No worries, still think it is a standard response. I think I have read it a few times on the threads so all is back to usual. Sorry andrew1- I get a few ppl having a go from time to time so sorry if it sounded a bit off, apologies again.

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Early days was hard, but ppl have had such hard times because of Banks that they are suspicious of anyone who works for the banks, also Bank Workers on this site have argued the bank views and made my job harder to begin with. I have added on my signature that if ppl do not want further advice from me then I will cease posting on that thread. None so far have taken up the offer, so far.

Warms only 14 days before MCOL Good luck

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Hi

 

Got some statements through this morning but only 4 years worth and not the 6 years. And i asked for my other account statements as well and have nothing from those. Anyway i counted my chg's up for the 4 years as i was curious, and i had a really big shock!!

 

Interest 1 85.15

Charges 1116.00

Referal charges 920.00

Card missuse 50.00

Unpaid items 90.00

 

Totaling to a horriffiing £2358.15!!!:shock: And i still had another 2 years of statements to add on to that yet!!!

Does any body no if i can cliam all of these charges back ??? If someone could let me no i would be greatful!! I want my money back feeling really angry:mad:

 

Thank you

vicki

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charges downwards Yes, Did you have an ADGD account? service charges for this is a No. not sure of interest. If you start you own thread on the NW thread so we can follow your progress.

We have to let Warms update us on her progress on this thread

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Hi!

Wow, what a load of ... replies!:D

No worries, andrew1, I don't mind people joining in, we all have the same questions.

Good luck to all of you, and vicki1977, you really need to start your own thread!

Windchest, I actually feel kind of "initiated" now that i have my own Stuart-Higley-bog-off-letter ;) Hm, we should consider printing t-shirts and selling them to raise funds for this site: "STUART HIGLEY TOLD ME TO BOG OFF" :D

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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NWSM: remember me saying they'd charged us £12.- for closing the old account?

We got the last statements and there it says:

 

"Charges (ac.no.)XXXXXXXX TO CLOSE 12.00

Charges (ac.no.)XXXXXXXXLAST PER'D 12.00"

 

What do you make of this? :confused:

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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Advantage Gold fee, final month charge. As I said NW do not charge for closing accounts

...but :D what's the other 12.- for?!

One is for the "last per'd", but the other? What do they mean by saying "to close" other than they are charging 12,- to close the account?

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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the charges for Advantage Gold Account go out one month behind so for example if it is closed at the end of August then £12 for July and £12 remains to go out for August(normally would go out at the end of September) so £12 to close is Augusts charge

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Thanks for explaining it, NWSM.

 

It still feels wrong, though...

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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I know. I find it hard to explain to people that maybe £20 over their overdraft that to close their account there is an additional £56 (2 x Unarranged Borrowing Fees) still due to go out. In my honest opinion, a bank worker will soon take a knife for this and I just hope it isn't me. I also hope I am wrong as well

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