Gordon v NW

[gordond]

So far,

08/08/2006 Subject Access Request and £10.00 cheque taken to local NW branch. Receipt requested and received.

10/08/2006 Confirmation of SAR received from NW Data Protection Team.

22/08/2006 Duplicate statements received.

01/09/2006 Preliminary letter and schedule of charges taken to local branch. Receipt requested.(Prelim taken from library template).

08/09/2006 Reply from NW Member Account Servicing. This is a standard letter stating NW are unable to refund any charges.

I am now going to draft LBA, from library templates. I shall wait until 15/09/2006(14 days)before delivering LBA to my local branch.

Am I correct in not inluding interest at this stage?

[davisc02]

Not the 8% interest but if you wanted to claim overdraft interest you can add it at the Prelim or LBA stage.

[gordond]

I have today received this month's NW statement. They have charged £60.00 for two unpaid DD's. This puts my account at -£59.26. What should I do regarding this and, more importantly, does it affect the LBA that I am preparing to present to my local branch next Monday?

[silentcharisma]

Yes add it onto your lba as they have taken it out of your account, between the lba and the money claim stage they added £60 to my account so I just added it on at the money claim stage and have just got it all back today!!

[gordond]

Thank you. If I add my most recent charges onto the schedule it states the last date of entry as 30/08/2006. Now, does this mean that my earliest date for reclaim becomes 30/08/2000, ie , 6 years?

On my first schedule I took the 6 year start date as 23/08/2000-the date I submitted my SAR to the branch being 23/08/2006.

Incredibly, if I change the schedule start date from 23/08/2000 to 30/08/2000, I shall have to omit charges of £110!

[silentcharisma]

No thats fine you do it from the date of the s.a.r

[gordond]

Hi, all. I have come a long way since using this super-site; and I have spread the word to quite a few.

I am just finallising my LBA-to be taken to my branch this afternoon. I think I should add into it the address and reference of the NW dept that replied to my Prelim, ie, Member Account Servicing REf: 602501. Should I add this in at the "their address" start of the LBA or inlude it as a seperate paragraph in the main body?

[gordond]

I have just obtained a Small Claims Pack from my local court. Would anyone know if there is copy of a completed claims form on the site. I have searched but failed to find one.

(Previous post: I inluded a letter of insruction to my local branch plus a photocopy of NW's reply to the prelim=receipt received.)

[gordond]

Help please. The schedule I sent with my prelim ran from 23/06/2000 to 30/06/2006.

Due to extra charges the schedule I sent with my LBA ran from 23/08/2000 to 30/09/2006. Strictly this is 4 days beyond the six year time limit.

Is this imortant? (If not is there any reason-I mean, for the six year time span?)

[gordond]

Hi all. Just to keep in touch. I am in the 14 day post LBA state. Today, I received a standard letter from NW..." I'm disappointed (yes, apparently NW are disappointed!) to learn we haven't been able to resolve your complaint to your satisfaction... refer your case to Member Service Department...who will provide a final response from NW..."...signed Sarah Watson.

Has anyone else received this? Considering NW should be fully aware that I am issuing N1 Small Claims through the Courts next week, I cannot see any purpose of this response to my LBA; unless they intend to pay up quickly-and I hope they do not as I shall lose the interest.

Who are these guys?

[gordond]

Just received another standard letter from NW telling me to **** ***; today is also the end of the 14 day LBA period. So, preparing N1 for action. When I finish I'll post the details as this might be useful as an exercise/example.

Just a question before I start: in the Particulars of Claim library template:

 

5. Accordingly the Claimant claims:

 

a) the return of the amounts debited in respect of charges in the sum of £ 3 and any interest charged thereon;

 

Is the interest actually entered here or just left on the spreadsheet schedule?