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    • The latest polls say otherwise    Party support: 3 June 2024   LAB 45% (40-50%) CON 24% (19-29%) REF 11% (8-14%) LD 10% (7-13%) GRN 5% (2-8%) SNP 3% (2-4%) PC 1% (<1-2%)
    • Oh, one other thing. It may sound a silly question, but as they say - silly questions are better than silly mistakes. The correspondence address in the current case and the previous one is correct and current. I've never actually written to the banks to confirm my address, as is regularly advised, because I presumed if Moriarty/IDR/J&P are using that address, there would be no need to. So because both cases seem to have my address correct, should I still write to the bank or take it that there's no need in this instance?
    • Yep, that's it @dx100uk - thanks for the clarification. My bad... Cheers again for all your help 👍
    • Hi all Just coming back to this Forum, as it helped me so much a few years back with ADCB/Moriarty. So I've had the circulars from IDR chasing Emirates NBD debt. They've been on and off over past few years, seem to be a run of letters, emails SMS and then go quiet, then start again.   A few months ago, same started with J&P, just a basic letter, email, sms asking to get in contact. Then last week I saw an email from Emirates NBD saying J&P were acting on their behalf. Up to this point, the main thrust of the letter seems to be please contact us, or contact ENBD about payment. Then I received a letter - I can't scan/upload it at this time but I will as soon as I can - which appears to be similar to what I've seen on other threads. Namely giving bank details of ENBD, saying they've been "instructed to pursue action", and saying they've enclosed a copy of Information Sheet, Reply Form in compliance of Pre-Action Protocol They state I have 30 days from date on letter to reply, and "if you fail to do so our client may have no option but to pursue further action against you". I'm of the view, as per advice on other threads and my experience with the other lender/company, to reply as per thread #5 in the main thread. On the basis that I wouldn't wish to give them ammunition by not replying or missing the opportunity. I'm aware that on some threads, in similar situation, one poster had been advised by sols not to reply and apparently J&P didn't progress from there, other than sending same requests. I feel these things are always down to the individual's choice, and I'm keen to see what others may have done/may be doing so will actively read other threads also.   Please feel free to ask if I can help with anything, or share any opinions, and in the meantime I'll get the uploads done ASAP.   Thanks again for everyone's help in the past, and hopefully the future, and good luck to all
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Skyline v NatWest


r33skyline
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Afternoon all

 

I am trying to list my unfair bank charges

 

Can i claim Debit Interest ?

 

I also have a

 

CASH OUT - BRANCH £4906 @ £0.57p per £100 = £27.96,

 

PAYMENT OUT - MANUAL 18 @ £0.67 EACH =£12.06

 

ARE THESE DEEMED FAIR OR UNFAIR ?

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Afternoon all

 

I am trying to list my unfair bank charges

 

Can i claim Debit Interest ?

 

I also have a

 

CASH OUT - BRANCH £4906 @ £0.57p per £100 = £27.96,

 

PAYMENT OUT - MANUAL 18 @ £0.67 EACH =£12.06

 

ARE THESE DEEMED FAIR OR UNFAIR ?

 

please can you explain

debit interest?

 

cash out and payment out no sorry.:D

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L Lad

 

The debit interest

 

I have no explanation and its only £1.00 i shall ignore for the moment

 

thankyou for the help .

 

 

hi you cant claim it. only charges eg unpaid DD/SO CHEQUE referal Overlimit and missed payment. trhe FAQs help to guide you through the process:D

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Yes its a penalty for being overdrawn at £3.50 per day

 

from natweststaffmember

 

Originally Posted by natweststaffmember

Have amended the thread so that Uarranged borrowing fee formerly called excess borrowing is now there so YES you can claim them back

 

Hope that helps

 

 

NWSM

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I have completed my spreadsheet with five years of charges

 

I have been looking for a suitable letter template to use to send with my spreadsheet asking for these unfair charges to be refunded to me

 

Does such a template exist ?

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This is the correct letter.

 

Not sure i like this letter if its the right one

 

If you don't like it then write your own, but our letters are tried and tested and have been used successfully thousands of times.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 3 weeks later...

I sent the spread sheet and prelim letter to NatWest and thet have written back to say their charges are fair ,reasonable and transparent

 

I claimed on the spread sheet

 

Excess Borrowing

Paid Referal Fee

Unpaid Items

Referal Charge

 

Copy of letter received fron Nat West

 

Dear Mr xxxxx

 

Thankyou for your letterof 16th September 2006 recieived at my office on the 3rd October 2006 about the charges you incurred over the last six years .I am sorry youwere unhappy with the service you received but grateful that you took time to write to explain why.

 

we believe that our charges are fair , reasonable and transparent.We considerthat the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff,which we are satisfied,complies with all applicable laws and regulations.We are also committed to ensuring the transparency of the information that we give to our customers about the operation and products.

 

In case you wish to take this matter further i have enclosed a leafletexplaining the options available to you.I hope you will not find it nesessary,and if there is still anything that you consider unresolved do call me on 02380273428 and i will be happy to help.

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Hi,

Just a little advice I found helpful.

Have a read of other people's threads (especially those who are quite a bit further down the track) as you will find that a lot of letters others have recieved from the bank are very similar and you can compare those you receive to them.

It gives you a lot more confidence when you know others are getting the same standard letters as yourself and winning their money back.

Good luck!

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  • 2 weeks later...

A copy of my claim through Money Claim as of today ...£ 120 court fee was a little expensive i thought .Trust i will be refunded if i win .

 

 

. The Claimant has an account 157XXXXX with the Defendant, opened 1990 2. Since 30/11/2000 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1455.50; (b) Interest per S.69 County Courts Act 1984 of 8% - £301.96 continuing at 8% until judgment or settlement at a daily rate of £0.32; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

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  • 1 month later...

jane641

 

I have recieved this from Moneyclaim,where does this leave me ?

 

Nat West Bank

spacer.gif********

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

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