sametempo v Nat West

[sametempo]

hIYA....

 

Right ive been just reading the latest posts about how to get my money back, rather than sending the Data Protection Act Subject Access Request form. Cant i just ring them up to ask for the last 6 years worth of statements & pretend i sent the letter but have recieved no repy after 40 days?

 

Also if its best to send the SAR form what add to i send it to?

[chriswatkins]

look at the top of this page, natwest contacts

[sametempo]

Can someone please list all the different types of bank charges so i know which accounts to have reviewed thanks!!!!!1

[Spiceskull]

Anything that wasn't agreed as a fee for a service.

 

For example, if you have an agreed overdraft arrangement fee of £5 a month, that is a valid charge for the bank to make.

 

Anything that is construed as a penalty for something that you have done (such as going overdrawn without authorisation, having DDs and cheques bounced) - these charges are not lawful because they are applied with the purpose of unduly enriching the bank.

 

The bank may try to 'cloak' these charges as a service, but they are penalties, and they are unlawful.

[sametempo]

Ok i get it so interest on agreed overdraft limit is not included but going over overdraft limit is, unpaid direct debits as a result of this are etc?

[Spiceskull]

Yes...sort of. The bank is entitled to charge you interest on money you borrow (over your agreed limit) - it is arguable that you may be overlimit due to charges, but you will know your situation best of all.

 

As the charges they apply are penalties, it follows that they are NOT entitled to charge interest on these charges. You need to calculate the pro-rata interest that they have taken, and reclaim only this amount.

[sametempo]

I want to send my Data Protection act letter out on Tuesday, i figured it would be much easier to have the statements sent to me rather than requesting the last 6 years worth and going through them one by one but who do i write the cheque out to? '_____________':?

 

Thanks

[ED1237]

Hi,

 

The cheque needs to be made payable to the Natwest. Hope this helps

 

Mark

[sametempo]

will 'Natwest Bank' do?

[Guest NATTIE]

yep

[sametempo]

Do i need to put my add or anything on the back of the cheque. Ive never written a cheque before :-|

[Guest NATTIE]

no

[jonni2bad]

3 threads merged. Please do not start separate threads in relation to this claim.

[sametempo]

Recieved confirmation of proof of delivery today for data protection letter....woohoo

[refundmylife]

hi

i would stick to your own thread to ask questions. causes problems if you dont.

when i sent the Data Protection Act i got all statements from opening of account. think it was only 2003 though.

good luck

[sametempo]

Seems to me that NatWest are ignoring the Data Protection Requests, so i just popped into my local branch and ordered the statements directly. I was told to allow 10 working days and if the cheque is cashed they would refund it for me....

 

In the meantime I have also set up a Premier Direct Current Account with Alliance & Leicester. Im going to use the money i claim back to pay off my overdraft & close my Natwest Current Account.... watch this space...

[sametempo]

I recieved some copy statements today from Aug 2001 - Oct 2002 on the statements what would a charge appear as?

 

All i have is

cash withdrawals

Automated credit

card payment or cash

the on one statement it says debit but no charges is that correct so so far ive not been charged anything?

 

Help confused:?

 

Also my Data Protection Request has been ignored i dont mind though because i dont think i every queried any charges on the account so im assuming i will only be charged for the statements?

 

And i can claim this all back eventually is that right?

[sametempo]

Im back, Ive just calculate the amount in which the bank owe me without interest, which template do i use to ask for the money back.

 

There seems to be a different one on the first page of the site, than what some others have used

 

Which should i use in the first instance to ask for my money back?

 

Also what add do i need to send it to?

 

Many thanks

[sametempo]

Also to add from the account im claiming from i have a £200 overdraft which i will pay off with the money im claiming back from the bank charges.

 

In addition i also have a student acconut with a £1400 overdraft which i owe.

 

I understand that NatWest may which to close my current account down but can they also demand the full £1400.00 from my student account aswel and force me to close it?

 

:confused: :confused: :confused:

[Caz1974]

Welcome to the site sametempo

This should come in handy

Click here: Example Step-By-Step Instructions - Consumer Action Group

as for your student account if you are making regular repayments and they are all up to date that should be fine

[Caz1974]

I think you'll find this one useful too it's got all the up-to-date info on for were to send everything

Click here: **** Natwest Contact Information **** - Consumer Action Group

Good luck and keep us posted on how you get on:)

[sametempo]

Welcome to the site sametempo

This should come in handy

Click here: Example Step-By-Step Instructions - Consumer Action Group

as for your student account if you are making regular repayments and they are all up to date that should be fine

 

using the above preliminary template how do i calculate the overdraft interest?

 

i calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken.

[sametempo]

With regards to my above post cant i just ask for the charges back without the interest in my preliminary letter asking for my money back?

[sametempo]

I also obtained my credit report from experian today and even thought i went into an unarranged overdraft 3 times this year there is no late payment mark on my file.

Is that correct has anyone else found that~?

[alf]

Hi

 

Yes you do not ask for the interest back, on your account untill you have to go to court. As for the default, i thought they had to notify you, if you defaulted, if thats the case, and they didn't notify you, you probably haven't had a default made against you.

 

Good Luck

 

A