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    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
    • My car DVLA details are 100% correct and up to date, guaranteed.  I lived at my address longer than I have owned the car and made sure the details were correct when we transferred ownership of the car, so it's not that.  It must be their second-hand eBay cameras.  I've emailed the CEO with evidence and laid it on.  I will keep this post updated with the outcome.  Thanks again FTMDave .  I appreciate the guidance. I hate these predatory parking cowboys.  How are they even legal?
    • there isn't one use that default dx  
    • upto you, if you have no assets like a home in the UK, there is absolutely nothing they can do even if they do get a judgement. i see you state last payment was 2021, so i will guess your notification to lloyds of a change of address was sent within the last 6yrs so they should have record of it on their system. why not give them a ring and ask what address they have for you? you could do AOS and defend the claim stating you are and have been resident in xyz since date, here is proof.  you could also send that to PRA demanding they discontinue the claim immediately. see what you can find out. you've till atleast the 19th (aos date) . dx      
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NedKelly v Natwest


NedKelly63
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And so it all begins...

 

I feel very encouraged reading the many posts on here, and hope that I too will be successful.

 

I am an Advantage Premier customer and have asked for a copy of my charges for the last 6 years (1st class Recorded Delivery, sent 1st September).

 

I dread to think what these will come too - I checked my statement online and my charges for the last 3 months alone were just over 600 quid!

 

I'll keep you all updated and I'll read the FAq's before posting :D

 

Best Regards,

 

Ned

*********************************

NatWest Advantage Premier Account

01-09-2006 - S.A.R - (Subject Access Request) sent

04-09-2006 - NW respond asking for fee

09-09-2006 - New S.A.R and fee sent

23-09-2006 - Statements received

*********************************

IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU :)

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Thanks Chris!

 

As mentioned earlier, I sent my request for charges, 1st class recorded delivery on 1st September.

 

However, the more I look throught the FAQ's and other postings, I realise that I have not been quite as efficient in my request as I'd hoped.

 

1). I didn't put the sort code in my letter.

2). I didn't send them 10 quid.

 

I was rather hoping to get some cash in for Xmas, and was wondering if you think the ommissions made in my request would slow things down?

 

Do you think it's worth sending the letter in again with payment and all relevant acount details?

 

Also - I've seen different addresses for the Data Controller. I wrote to Alex Lyons (Edinburgh - huge 9 line address) and I've seen other postings suggesting that writing to the registered office in Bishopsgate elicits a faster response. Is this still the case?

 

Best Regards,

 

Ned

*********************************

NatWest Advantage Premier Account

01-09-2006 - S.A.R - (Subject Access Request) sent

04-09-2006 - NW respond asking for fee

09-09-2006 - New S.A.R and fee sent

23-09-2006 - Statements received

*********************************

IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU :)

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Hi,

 

I addressed my Data Protection Act - Subject Access Request letter to Alex Lyons and got a reply from:

 

Joyce E Tudor

Retail Regulatory Risk

2nd Floor Business House B

P.O.Box 1000

Edinburgh EH12 1HQ

 

I personally would resend letter to Tudor enclosing the £10.00 maximum statutory fee and givng them full details of your account i.e Number - Sort Code and Local Bank Address.

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Cool,

 

I'll do that asap. Thanks for the input

 

Ned

*********************************

NatWest Advantage Premier Account

01-09-2006 - S.A.R - (Subject Access Request) sent

04-09-2006 - NW respond asking for fee

09-09-2006 - New S.A.R and fee sent

23-09-2006 - Statements received

*********************************

IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU :)

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OK,

 

NatWest responded (Joyce E Tudor) and ask for the £5.00 fee. (I thought they might sit on my request until the 40 days were up, but hey...).

 

New S.A.R - (Subject Access Request) sent today (9th September). Its a new S.A.R - (Subject Access Request), as I am happier with the wording on the new one and I don't mind 'resetiing the clock'.

 

The text of my request is here if anyone is interested.

 

[Your Address]

 

Ms Joyce E Tudor

Retail Regulatory Risk

2nd Floor Business House B

P.O.Box 1000

EDINBURGH

EH12 1HQ

 

 

***********************************

FIRST CLASS RECORDED DELIVERY

***********************************

 

 

9th September 2006

 

Dear Ms Tudor,

 

 

Re: Account Name : [Your Name]

Account Number : [Your Account]

Sort Code : [Your Sortcode]

Branch Address : [Your bank branch address]

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose a cheque for £5.00 to cover the fee for this request.

 

You have 40 days from the date of this letter in which to comply with this request.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours Faithfully

*********************************

NatWest Advantage Premier Account

01-09-2006 - S.A.R - (Subject Access Request) sent

04-09-2006 - NW respond asking for fee

09-09-2006 - New S.A.R and fee sent

23-09-2006 - Statements received

*********************************

IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU :)

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I hope not!

 

Mind you, it's going to take me a few days to put everything into the spreadsheet for the initial calcultation. I'll used the advanced Excel worksheet for current accounts from the library.

 

I am predicting that my claim will be absolutely huge. As a rough guess, I reckon between £12,000 / £14,000 excluding overdraft interest.:o

 

I still need to get hold of historical overdraft interest rates for an Advantage premier account - so I'll start hunting for those now.

 

I'll keep you all posted,

 

Ned

*********************************

NatWest Advantage Premier Account

01-09-2006 - S.A.R - (Subject Access Request) sent

04-09-2006 - NW respond asking for fee

09-09-2006 - New S.A.R and fee sent

23-09-2006 - Statements received

*********************************

IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU :)

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  • 3 weeks later...

OK,

 

Statements received - I am now busy ploughing through them and doing some serious adding up!!

 

I was expecting my statements to turn up in a battered brown A4 envelope - we'll, they were in an A4 envelope, but it was well taped up to stop the A5 statements bouncing around inside. So it does appear that Natwest are taking more care with statements these days.

 

Ned

*********************************

NatWest Advantage Premier Account

01-09-2006 - S.A.R - (Subject Access Request) sent

04-09-2006 - NW respond asking for fee

09-09-2006 - New S.A.R and fee sent

23-09-2006 - Statements received

*********************************

IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU :)

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