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muggins73

muggins73 v NatWest ***WON***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4811 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Finally got to grips with the schedule of charges including the overdraft interest part of it (at last!!) Last bit of info to enter onto the schedule with ref. to overdraft limit and then preliminary letter is on its way.:cool: Watch out natwest its a comin'!!!!


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Still waiting on Natwest to provide me with details of what my overdraft limits were and when they were increased for both accounts, before I can complete the interest part of the preliminary letter. After speaking to the Manager who demanded to know why I require this information, of which I explained that I am looking into the possibility that I may have been incorrectly charged (I am not a good liar), Natwest appear to be dragging their heals slightly. I'm sure this is not a surprise to most of you out there, but it's becoming rather frustrating as I know the exact amount of the charges I want to claim back but just need this 'simple' bit of info' to get the ball rolling!!!

 

Also, I've recently taken the time to seek advice from the Citizens Advice Bureau due to the level of financial difficulty my partner and I are in with regards to our current overdraft levels (spread over three seperate accounts) held with Natwest. The CAB have suggested that we transfer all our incomings to other new accounts, and to cut a long story short, they will then aid us in freezing any interest and charges that Natwest are so blaa-zey about, offering them £1.00 a week to pay back the total overdraft amounts owed. They have also provided me with a template which quotes both the Office of Fair Trading and several Consumer Credit Acts to aid me in my quest to have the unfair charges/ penalties refunded.

I must admit this advice sounds good as my partner and I would be starting in theory with a clean slate, whereby any monies coming into the new accounts would be a credit and not a deficeit as with the overdraft situation. I am concerned that by doing this, and thus upsetting the apple cart more so with Natwest, that our quest for a refund of charges would be compromised. Any suggestions would be greatly appreciated.

The template the CAB have provided looks pretty damned good to me, should I use it or simple go with the masses and use the one provided on this forum so as not to complicate things? Should I post a copy on the forum for inspection?


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Muggins73,

Use the forum!!

There are lots of people willing to help.

cheers windchest.

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Thought as much!!

 

But wot do you suggest I do in terms of my overdraft? Should I simply wait until I've dealt with the bank charge problem first and foremost, and if this fails then see about freezing our current accounts and letting the CAB sort out the debt?


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hooray!!!

The information I've requested from Natwest in order to complete the interest part of the preliminary letter arrived this morning. :D

Just about to enter remaining figs. into the schedule of charges, finalise the prem letter and it's off to Natwest it goes, at last! I'm feeling strangely excited...thought I'd be more nevous...let the war begin!!!


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hello Muggins, Good luck with sending off your letter I saw your more upto date thread as well. As for your over draft, well I was in a similiar situation and I opened a new bank account, which is what is suggested in the FAQ section. I left my overdraft still owing, but that is my personal choice. The first stages are always a little scary and exciting and you want to get it right. Don't worry just use the forum frequently and you'll be plenty more confident.

----------------------------------------------------------------------------

14/09/06 - Preliminary Letter sent requesting repayment for £3018.25

21/09/06 - Letter of refusal from Stuart Higley.

28/09/06 - Letter before action sent.

06/09/06 - 2nd Letter of refusal from Stuart Higley.

 

:-):evil::rolleyes::razz: :razz:


It's just a waiting game.....

:p;):lol: 8-)

Nat West Won = £4008 03/07 :D

Prelim Letter to Cap One - 25/01/08

Rejection Letter to Cap One - 03/02/08

LBA to Cap One - 11/02/08

S.A.R - (Subject Access Request) Welcome - 25/01/08

Received Statements - 08/02/08

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Can anyone advise me on the following, pls?

 

Both my partner and I live in our overdrafts and are currently struggling to make ends meet esp. with three children of four and under and a heafty rent amount to pay.

The CAB financial advisor has instructed us to transfer our incomings to new accounts in order to start afresh, as it were, where we are living in credit instead of the normal deficeit. They have offered to assist me in starting proceedings whereby we offer to pay them £1.00 a week, interest free, to clear the debt (3 accounts each overdraft £1000 o/s/b approx. £2500). This is on top of any action I am currently doing to recoup these unlawful bank charges (approx. total £3000).

I am aware that if my claim is successful the outstanding overdraft amounts is more than likely to be offset against any monies we may receive. I am worried that Natwest will use the fact that we owe them this amount against us, and that if our case reaches court it will not look good in the eyes of the judge.:confused:

Kindly respond,

Shells


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Why should it? Two wrongs don't do a right, and the fact that you have an o/d or 5 doesn't make the charges any more lawful that if you had only occasionally strayed into the red. A judge (should it ever get there) will not judge on the morality, but on the lawfulness aspect. Hence someone who got into debt by blowing their cash on fast cars and loose men are as entitled in law to their charges back as a pensioner who just buried her husband.

 

Don't give it another thought.

 

The other point is that when you get your charges back, yes, they will in all likelihood repay them agaisnt your o/d. That's not such a bad thing, think of it as one less debt to drag you down for years coming. ;-)

  • Confused 1

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Hi Shazzam,

Thanks for the response

Just posted a new thread with reg. to the overdraft as I was concerned that no one was rsponding to my query...maybe I'm just impatient!!!

Do intend on leaving the overdraft as a debt but was concerned that this might interfer with my claim for recouping the charges.


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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8)Thank you Bookworm, finally a straight and clear cut response to my query!!!!

It has suddenly become clear, the force is now with me and I know wot it is I should do.

I look forward to dealing with you in the future.

Shells.


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Just one thing: Can you not start a new thread every time you have a query or update? Your claim is going to get more convoluted as you go on and it makes it easier for you and us if it's all in one place. Think of it as the pages of a diary. ;-)

 

 

[3 threads merged]

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Wouldn't normally have done so, but was concerned that no one was responding to the particulars of my question.

Sorry and clearly noted.


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Well, just so you know, it works like this. When you post a new post, whether as a new thread or tagged at the end of your existing one, it will come up next time someone clicks on "new posts" at the top of the forum. So it makes no dfference in terms of being viewed. It only makes a difference in the amount of work it creates, and not in a good way :razz:

 

Clearly noted is good, I don't actually LIKE yelling at people (despite what some might tell you :-D).

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Again sorry, but someone has to keep you on your toes!!!:lol:

Won't happen again.


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Ooooh, feisty. :-D

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Only to those whom I like!!!! Can you imagine wot I'd be like if I didn't?!!:D

Natwest better watch out!!!

All joking aside, thanks again.


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Having completed my prelim letter I was having a mosey through the forum for contact details and there is a list as long as my arm:shock:!!!

Natwest has given me a leaflet which suggest that any complaints be fwd to the Borehamwood address, but several of you have suggested that I send my complaint to their HO in London. Wouldn't it be wise to fwd any letters to the Customer Relations Manager in Borehamwood and cc. them to the HO in London?


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Personally, I find your branch will very quickly pass the bad news on to the right dept.

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Good evening Bookworm...I'm beginning to wonder whether you have a life outside this forum!!!:lol:

Ta very much. Logging out in a mo', will hope to catch up with you again soon.


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Just received my first BOGOFF letter from the trusty Stuart Higley, in response to the preliminary letter fwd to the Borehamwood address at the beginning of theis week. Is it usual for them to respond so quickly?

 

Mr Higley has made a point of questioning the terminolgy used within the prem letter template, he writes:

'In your letter you have claimed that we have been acting as your fiduciary, yet i am unsure of the basis of your contention. This does not form part of the normal banker/ customer relationship'.

Is he trying to make a point or is he simply trying to be smart?:confused:

Do I now proceed with the LBA?


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Mr Higley has made a point of questioning the terminolgy used within the prem letter template, he writes:

'In your letter you have claimed that we have been acting as your fiduciary, yet i am unsure of the basis of your contention. This does not form part of the normal banker/ customer relationship'.

This has come up a few times while I've been scanning the site, so I looked 'fiduciary' up in the dictionary - Oxford Concise Dictionary, if you're interested. the definition is: 'involving trust, especially with regard to the relationship between a trustee and a beneficiary. 2 Finance (of a paper currency) depending for its value on securities or the reputation of the issuer.'.

 

There is an implicit trustee/beneficiary relationship between the bank and the customer but the bank is not 'my fiduciary': perhaps a better phrasing in future (and one that I shall use when it gets to that stage) is 'your fiduciary responsibility to me'. 'Fiduciary' isn't a noun: if I drag the recesses of my memory of Miss Ryder's grammar lessons, I think it's an adverb, in that it describes the nature of the relationship, which is a gerund, in this case.

 

Here endeth the lesson, and I'm quite willing to be corrected.

 

As for changing the letter you've sent to the Higley: don't bother. The case won't stand or fall by your grammar (unless you really cock up and end up suing yourself!).

 

Natty


Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Ta very much for the response natwesttookmymoney,

 

I did take the time to work out wot 'fiduciary' actually meant prior to posting, but thanks all the same. Just about to post the LBA and will adjust accordingly. Wish me luck!!!


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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As per my last statement, I am just about to embark on the LBA stage, and wish to change the template wording to suit and following Mr Higleys response to the fiduciary bit. The highlighted areas in pink are those that have been changed.

I'd appreciate some input. The letter now reads.....

 

Following my letter of the 08th October 2006, I am somewhat disappointed by Mr Higleys’ response. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise and your fiduciary responsibility to me.

 

I calculate that for both aforementioned accounts you have taken £3,171.00 plus £101.72 which you have charged me in overdraft interest for the sum which you have taken.

Total £3272.72.(Shall I seperate the amounts for each of the two accounts?)

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 08th October 2006.

 

I require repayment in full of this money and if you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department. (I do intend to carry out this threat)

Yours sincerely,

 

XXXXXXXX


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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The changes are fine but i doubt it will provoke anything different than their standard reply, good luck. :)


Ex CAG helper ^_^

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Thanks cheddar, I'll go ahead as planned, but shall I keep the amounts seperate in order to clarify things for those idiots at Natwest?

 

Also, and just out of interest, have you submited a Consumer Credit Act 1974 complaint to the OFT? If so, wot exactly did you say? If not, help!!!!

 

mugs73


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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