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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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pumpy tums vs Natwest


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Hi Everyone,

this is my first proper post to CAG, I must say you are all an inspiration to myself.

 

I have an overdraft with Natwest of £5k+ I no longer use this account. I'm now starting to get repeated calls from Trident 5+ a day even after requesting writing communication only. I will shortly be sending them a letter to this effect.

 

I will shortly be CCA, SAR my other creditors. Something I should have done months ago.

 

 

Thanks all

 

Pumpytums

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Hi everyone,

I think I have found the answer to my own question looking on various threads I should be able to get data back to 1995. The statements I have only go back to 2003 as I downloaded them. So I will be sending Natwest a SAR.

 

A quick question regard the postal order of £10 I need to send when I request one from the post office can I fill in the recipients name myself or does it have to be done in the post office? I have only ever used a postal order once and that was many years ago.

 

Thanks again

 

Pumpytums

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They print these out for you now pt if you ask to have them crossed with NW name on them. Alternatively, you can ask to leave them blank. Personally I would have them crossed and write 'SAR request on A/c Number...' on the back of them.

 

Also, you'll find you have to pay a nominal fee on top of the £10.00

 

x:)x

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  • 1 month later...

Hi everyone,

I have recently sent a SAR to Natwest with regards to get my statements back. They have written back stating that they only keep statements for 6 years before destroying them which to be frank is rubbish. Having read through ways of getting statements past the 6 year cutoff can anyone suggest ways of getting them?

 

I know for a fact that I have hundreds of pounds of charges in 2000-2001.

 

The info I have gleaned so far

 

1. Natwest changed its computer system in October 2002 can anyone confirm this?

 

2. RBS centrally keep the 6 years statements

 

3. By visiting your own branch people are able to get statement back to 1992 ReclaimUnfairCharges.com :: View topic - Statements beyond 6 years

 

4. Archive notes these appear to exist has anyone been successful in obtaining them?

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/53877-natwest-data-protection-act.html

 

 

I haven't tried (3) or (4) yet as I have paid my SAR once, has anyone here managed to get past the 6 year barrier?

 

Thanks

 

Pumpytums

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In answer to my own questions the following link may be useful to others

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/221855-natwest-issue-please-help.html

 

Information from another CAG member

 

"It's in the NatWest Archive, he needs to send a SAR and he has to specify he wants the Archive notes plus "Product History" notes as at the time they changed over computer systems which was October 2002. I am about 99.9% certain it would have details of that. "

 

Thanks

 

Pumpytums

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In answer to my own questions the following link may be useful to others

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/221855-natwest-issue-please-help.html

 

Information from another CAG member

 

"It's in the NatWest Archive, he needs to send a SAR and he has to specify he wants the Archive notes plus "Product History" notes as at the time they changed over computer systems which was October 2002. I am about 99.9% certain it would have details of that. "

 

Thanks

 

Pumpytums

 

That was me, lol(was asked by Michael about that privately elsewhere). and the original information came from one of my old usernames which is "Nattie" the shortened version of NatWestStaffMemeber(my usual forum names on the forums).

Glad to see that nothing has changed :D

 

I knew that their policy was "officially" 10 years.

 

The old NatWest notes system did one thing that the RBS one does not do, every time there was a charge it put a note on the account(not sure on unarranged borrowing, however and there was not such thing as card misuse in those days) so the Archive notes themselves are sufficient to get the charges information.

One is a pro you know ;)

.

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

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  • 2 weeks later...

Just as an update this week I have received my statements from when the account was terminated back to 1992, which was nice. The pre-2002 ish statements are on the A5 sized Natwest paper the post 2002-statements are on double sided A4. After the above help and a letter from Natwest I resent them my SAR specifically asking for Archive notes and Product history. This does work I have the statements I required.

Thanks again for everyones help :) now the fun starts.

Pumpytums

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I now have my statements going back over 17 years, you need to specifically ask for "Archive Notes" and "Product History" in your SAR the data does exist and it can be obtained. Now the fun of going through 300+ sheets.

 

Pump tums

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They shouldnt, but they will.

As for the 'advantage gold' its not much an advantage for you.

Do you remember signing anything to upgrade to this style account? It should have been detailed via your SAR, so if they havent supplied that little snippet its probably missold at the least or added without your permission. If you need a template letter, youre quite welcome to use mine, just look for my threads, if not I'll post it up for you. if they refuse, then you threaten court Its the same as Barclay Additions. Ive claimed mine back and got it in full.

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Hi,

I have now calculated my charges going back to 1995 which is £1k+, I have also used the complex interest spreadsheet to calculate the interest charged on the penalties £500+.

Where do I go from here do I contact Natwest asking for the £1500+ I should qualify for the hardship track?

 

As I understand it the 8% cannot be added until a court claim is started is this correct?

 

Thanks in advance

 

Pumpytums

Edited by pumpytums
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Yes the court will allow 8% but theres no harm in letting them know what youre going to claim for.

Go through the templates section, youre going to have to prove hardship to them, so get the first letters off, stating that yours is a hardship case and will be treated outside the High Court case.

Send them the spreadsheet and wait and see what they come up with

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Hi Bazaar,

thanks for the reply, I don't really remember signing anything I think it was done over the phone. I believe it was the old well you use your overdraft every month so have all these extra shiny things that you won't use (Which I never have), I think they used to reduce OD interest a long time ago. (they used to charge £6 to use your overdraft for the privilege of charging interest on it):mad:

 

I will have a look at your thread, thanks :):)

 

Pumpytums

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They shouldnt, but they will.

As for the 'advantage gold' its not much an advantage for you.

Do you remember signing anything to upgrade to this style account? It should have been detailed via your SAR, so if they havent supplied that little snippet its probably missold at the least or added without your permission. If you need a template letter, youre quite welcome to use mine, just look for my threads, if not I'll post it up for you. if they refuse, then you threaten court Its the same as Barclay Additions. Ive claimed mine back and got it in full.

 

Thanks again bazaar,

so far my SAR has yielded a mountain of statements, but not much else. I havent received my termination or default notice from the SAR, In fact I don't ever remember getting them but I did go through the denial and bin it phase. Something I'm glad to say I'm very much over:D:D.

 

The 8% makes it a very healthy £2k+ unfortunately my OD amount is £5k+

 

As the account is now terminated/defaulted do they have to send my the charges or does it get knocked of the default?

 

Pumpytums

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Can someone tell me if the attached images is a default or a termination notice it came as part of my SAR if its a termination notice they havent sent me a default.

 

http://i227.photobucket.com/albums/dd74/pumpytums/nat1.jpg

 

http://i227.photobucket.com/albums/dd74/pumpytums/nat2.jpg

 

Thanks

 

Pumpytums

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Can somebody give me the address to send the preliminary charges letter please I'm trying for the hardship route which is true? Should I also use the same address for my advantage gold miss-sell?

 

Thanks for the tip Bazaar on the Advantage Gold miss-sell over £1000 paid for nothing, I will have that back too thank you very much. As predicted SAR showed nothing I think it was a telephone sell job, so no signature or record exists just the change in fees on the account.

 

Would it be OK to put them in separate letters in the same envelope? I know its tight but its an extra £1.14.

 

Thanks in advance

 

Pumpytums

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Personally, I'd keep em seperate. Their head office address should be the one you write to.

Make sure you send recorded delivery, give them 14 days initially to deal with the matter.

Keep to your timeframe, not theirs.

you'll probably get initially some BS from them, but you can cut through that in your next letters.

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Thanks Bazaar,

I think they are pretty stuffed all info is back from SAR (40days is up) and nothing about account upgrade. I've never used the "advantages" I think I tried a few times but nothing ever came of it eg phone insurance (no certificate of insurance received) warranty upgrade (item not eligible) blah blah blah etc.

 

 

Cheers again

 

Pumpytums

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well without your signature to request it, they need to pay it back. They will try to say you requested it by phone. But stick to your guns.

If you need a template I can dig mine up for you if needed.

good luck

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I think you should also look at the terms of the AG a/c , there is a small booklet and it is most interesting. They promise to do all sorts of things in Item F to further the relationship whereas they do nothing, this alone needs pondering over and I would expect you to have a good claim simply by claiming they did not fullfill this part of the contract.

 

regards

 

Ieuan

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I think you should also look at the terms of the AG a/c , there is a small booklet and it is most interesting. They promise to do all sorts of things in Item F to further the relationship whereas they do nothing, this alone needs pondering over and I would expect you to have a good claim simply by claiming they did not fullfill this part of the contract.

 

regards

 

Ieuan

 

 

Thanks Ieuan would it be possible to scan and post it please?

 

Letters away today time will tell, we should be classed under the hardship case and if they pay the full amount (+8% at a latter date) it should sort Natwest out one less creditor to worry about. I'm more annoyed about my partners credit file we only ever put her on the account to pay a joint name cheque in worst mistake we made. Even If I had declared myself bankrupt they would have just come after her for the full amount which never seems fair 50% yes but not the full amount.

 

I think the one thing that stayed me to the course was the complete lack of anything human from Natwest. I've been with them for over 20 years. No calls (from Natwest offering help) just threatening letters, then more threatening letters/calls from moronic DCA's. Well at least I have an iron in the fire so to speak, if they don't pay up fine I file in court and the charges earn interest. In a few years they will equal the OD so bye bye Natwest.

 

 

 

Pumpytums

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  • 2 weeks later...

Hi everyone,

I received my I&E form from Natwest on Monday, what are the chances that I will be accepted as a hardship case. I currently have no mortgage arrears etc I just have a small amount left for creditors, and of course about 5 defaults from them all.

 

If I don't get accepted as a hardship case and I file in court for my charges as the normal route can they take any further action? My charges and mis-selling with 8% probably take 85% of my OD they defaulted on. I'm currently making token payments to reduce the balance.

 

After all they shouldn't be able to have their cake and eat it, or would it simply be a counter claim?

 

Thanks in advance

 

Pumpytums

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