Grenville v Natwest

[grenville353]

Hi everyone

having read lots of posts i am starting my own, lots of assistance required

 

 

I have sent the cca request which they signed as received 11/10/09

[grenville353]

sar delivered (signed for ) 19/11/09

[the_freedom_trail]

I think they have 40 days to comply with SAR

 

TFT

[ieuanMr]

Grenville,

Is this a new thread from an old position? Is there a link to the history of this problem?

 

Ieuan

[grenville353]

no ieuan this is my first claim, started last week the date on my first post was incorrect

[grenville353]

i have just received the sar which includes the original agreement , please can someone advise on the next step

[grenville353]

how do i know if my original agreement is lawfull

[grenville353]

do i quantify all the credit card charges, then contact the bank by phone or detailed letter ?

[middenmess]

how do i know if my original agreement is lawfull

 

Remove personal details and post it up here for advice

 

do i quantify all the credit card charges, then contact the bank by phone or detailed letter ?

 

List all of the charges on a spreadsheet or just list then work out the interest from date charged to say a fortnight's time. Use template letter from CAG library and post off.

 

If unsure then there are plenty of threads to read as to how others have claimed.

[ieuanMr]

Look at the contract carefully, is it a genuine copy? Are the signtatures real or do they appear printed or copied. Are the option boxes pre printed or are they ticked, if they are pre-printed you might not have been offered a choice and may have been railroaded into signing something you never wanted. Do you remember signing it, are the conditions what you rmemebr. Is it a real copy or an amalgum of different bits of paer stiched together? Does it look fishy in any way or is it genuine.

 

The general consensus on here is never deal by telephone, always write to them. Suggest you detail all the charges and dates and interest. Make a list with Works and do it on a monthly basis, then calculate the interest, see how much it comes to. It is hard work and takes time, but you have plenty of time and it costs nothing, in the end you narrow them down until they are looking at court action and costs, they hate costs, and they hate interest and they hate losing.

 

Be patient and it should all come togther nicely.

 

 

regards

 

 

Ieaun

[grenville353]

are the credit card charges which i can claim back the same as Bank account charges,

all the references that i see are for claiming back Bank account charges....

i am still a little confused...

 

p.s. the agreement which they have sent looks genuine

[middenmess]

The Consumer Forums - Bank charges templates (consumer)

 

#8 is spreadsheets

#11 is letter for card charges

 

p.s. the agreement which they have sent looks genuine

 

A counterfeit bank note looks genuine until examined properly

[grenville353]

thank you

[grenville353]

i have read on the forum that there is a different spreadsheet for credit cards , but i cannot open it , can someone advise,

also looking on my sar list i only appear to have been charged for late payment and over limit fees , is this claimable ?????

[grenville353]

can anyone assist ??

[middenmess]

i have read on the forum that there is a different spreadsheet for credit cards , but i cannot open it , can someone advise,

also looking on my sar list i only appear to have been charged for late payment and over limit fees , is this claimable ?????

 

All late fees and o/l fees are reclaimable.

 

If having problems with spreadsheet just use this calculator

 

Compound interest calculator

 

Use the cash rate that they charge you today as the rate of interest with '12 rests'

[grenville353]

"12 rests" ? sorry

[middenmess]

On the calculator....

 

'Number of 'rests'

each year '

 

Usethe box for '12 compounded monthly'and repeat for every month that you have been chargeda penalty.

 

Put the figures into a easily read layout if you cannot use a spreadsheet.

 

Soon adds up nicely!

[grenville353]

thank you