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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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PeteD v Natwest


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Hi everyone,

 

Today I plan to send my SAR to Natwest and start the process of claiming back the fees that have bascially been a tax on my poor financial state!

 

I have a current account with Natwest, and a couple of years ago I had a credit card account too - now closed.

 

My question at this stage is whether I should be trying to recover charges on both the current account and the credit card account at the same time, or whether this is best done seperately.

 

Sorry if this is answered elsewhere, but I've looked around and its not obvious.

 

Cheers!

Natwest: Claimed back £635

Cahoot: Next!

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Hi all,

 

I've been reading through the threads and I've seen a couple of examples where people are getting their past 6 years statements quicker by phoning up and requesting them.

 

What are peoples thoughts on going down this route rather than sending them the letter?

Natwest: Claimed back £635

Cahoot: Next!

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My G/Fs managed to con 2 C/Cs into sending them for free by saying that the tax man wants them, but nothings turned up yet! It's only been about a week tho

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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I called up for my statements on Friday just gone, the woman I spoke to agreed, no questions asked and said they would deduct £5.00 from my account. They should be here within 5-10 working days....hopefully !

I've been getting charged £25-£38 at least once every month for the past 2 years or so, I am so glad I found this site, can't wait to get the ball rolling when I recieve my statements-I'll keep you updated !!

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You can do either, you can either send in the S.A.R or you can phone them, depends how many accounts you have with them. The S.A.R costs £10 and should give you a complete disclosure on you (the account holder) and include statements, if you just want statements for one account then call them up, its cheaper.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Guest NATTIE

Copy statements are £5 but you are sending £10 so that there is disclosure of manual intervention ie not automated process to help your case.

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Thanks all for your thoughts. I think I will go down the route of writing the letter, as the request for manual intervention will be important if things ever got to court.

 

Also, I have two accounts to claim on - one of which is a now closed credit card account. Just phoned up nwest to ask them for the account number of the credit card, they put me through to the card centre which is, of course, closed for the evening. The dance begins...!

Natwest: Claimed back £635

Cahoot: Next!

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Hi all,

 

I haven't kept any of my old natwest credit card details (account closed about 2 years ago) and tried to phone Nwest for the old card number or account number today. I have a current a/c with them at the moment. They wouldn't give the cred card details to me as it was "too long ago".

 

I want to get details of charges made on the card along with those on my current account. I don't fancy the idea of arguing with cust services over the phone again - can I reword my DPA request letter to require them to detail the credit card charges as well as the current account?

 

It is my understanding that the £10 should cover any data that they hold about me ie: the closed credit card account and the current account. Is this correct?

 

Thanks for any help - I want to get my letter off tomorrow to start the ball rolling!

 

Cheers,

 

Pete

Natwest: Claimed back £635

Cahoot: Next!

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Guest NATTIE

How long did you have the credit card? If you had before Oct 2002 PM me and I'll tell you how to get it.

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  • 3 weeks later...

Hi,

 

I sent off my S.A.R - (Subject Access Request) letter on 8th August to Alex Lyons with a £10 cheque. Today when I checked my online statement I have £5 'charges' deducted on 23rd August. Can I assume that this charge is for the statements (which I have yet to receive)?

 

Edit - Looked in further detail and it say "Historical stmt fee" Answered my own question there but hopefully will help someone else!

Natwest: Claimed back £635

Cahoot: Next!

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can they charge an additional £5 on top of the £10 you send? Also can you claim that fiver back if you win too? =D

1 - 18 August 2006 - S.A.R - (Subject Access Request) sent

2 - 29 Ausust 2006 - Statements dated October 2002 to July 2006 received. One single statement separately packaged dated August 2006 also received. No correspondence enclosed.

3 - 6 October 2006 - Statements prior to October 2002 to July 2000 received - thiscovers statute only

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If you explain the situation nicely (especially to someone in a branch), they will refund it.

 

In my case, they charged me £5 x 2 and £10 once. I then got a refund of £15.00...but on the same day they took £20 out (all for copy statements). They have now refunded all but £5...

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  • 7 months later...

Hi everyone,

 

I requested my statements from Natwest about 9 months ago, and for various reasons they've been sat around doing nothing until today!! With help I'm hoping to reclaim my charges, start to pay off my overdraft and break free of Natwest for the first time in my adult life!

 

Having added up my charges since Oct 2002 (as far back as my statements go) on the spreadsheet I have charges of £643. I think my next step is to prepare the premilinary letter

 

My first question is this: I have tried to look around the forums and my understanding is that I should not include the 8% interest at this stage, however the template letter says:

 

"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." So should I include interest, and if so how do I calculate it?

 

Thanks

Natwest: Claimed back £635

Cahoot: Next!

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Overdraft interest is the amount they have taken on top of the charges - if a charge puts you in the red they charge interest, so you should reclaim this too. The spreadsheets on the site calculate this for you. The 8% is added when you go to court, on top of this amount.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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Hi thanks for your help, although I'm still not sure that I understand!

 

Perhaps I am using the wrong spreadsheet, as the ones on this site are down - please can someone check that the attached is correct, and if so where the interest for the preliminary letter is calculated?

 

Thanks

SimplechargescalcPD.xls

Natwest: Claimed back £635

Cahoot: Next!

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please can someone check that the attached is correct

 

I've checked it and it is correct as far as the 8% simple interest is concerned. However, as Mr Bump says, you can also claim back any interest they charged you on the charges - that is on any ovedraft you had which was made up partly or completely of unlawful charges.

 

The problem with Mindzai's spreadsheet is that you have to know what interst rate they used and it needs to be the same all the way through. I prefer just to charge the interest shown on the bank statements that is related to charges:-

 

For a current account you can claim back overdraft interest listed on your statement whenever the charges (so far) are greater than your overdraft. That is when your overdraft is effectively made up entirely of charges.

 

Where your overdraft is greater than your charges (so far - that is your overdraft is made up partly of charges) you can claim back the proprtion due to charges. In this way, you avoid any argument about what interest rate was applied at the time.

 

I hope this doesn't confuse the issue but you might as well claim everything you are entitled to.

 

Steven

 

 

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Thanks for the link - wow, that looks a bit scary though!

 

I presume it is acceptable to pursue natwest for the charges without this interest applied using my previously attached simpler spreadsheet? I know this sounds lazy, but I am! How much difference will completing the more comprehensive spreadsheet make?

Natwest: Claimed back £635

Cahoot: Next!

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Its up to you whichever way you want to reclaim your charges. A lot would say go for the lot, using the complicated spreadsheets, i.e. the ones claiming interest on the overdraft interest charges, but if youre really not sure how to use them, just stick to the simple 8% one. Its entirely your decision which you prefer to use. I would stick to using the one you feel most confident about being accurate............... dont trip yourself up by trying to do something complicated if you are not sure of how to do it. Less likely you will do something wrong then in your calculations. Steven 4064 is absolutely right in saying CLAIM BACK THE LOT IF YOU ARE ENTITLED TO IT AND I AGREE, but not everybody is confident in using the more complicated ones.................. You have to do it your way, whichever that turns out to be.............. only do what you are confident doing...................... All the very very best. Fendy xxxx

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hi

 

i agree with the above comments BUT there is a huge difference in the payout with regard the statuatory s69 8% against CI so i would reccomend trying the ci spreadsheet and if u cant work it out ask for help, someone will guide you through this stage.........

 

it must be worth trying as it could mean your payout is thousands of £££££££££££££££ssssss more...

 

Take it to a bookkeeper they might charge u £100 i can assure u u will more than recover the cost by claiming CI

 

 

We only get one chance so lets get the maximum we can!!!!!!

 

I'll help anyone who needs help with spreadsheets but i have limited knowledge

 

perhaps mindzai,Lucid &bill k could write a sticky as they have done all the hard work they should recieve the credit that there hard work deserves........

 

Come on guys this is one of the most differcult parts of reclaiming back bank fees..but this one process is so IMPORTANT .....

 

 

Any comments welcome

 

 

Scott

 

Lets get more of our money back!!!!!!!!!!

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