Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

danmoz98 Vs Natwest


danmoz98
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6589 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've looked high and low and can't seem to find anything regarding this. There's plenty of information regarding everything but what seems to be missing (and other people seem to have asked) is who do you make the DPA fee cheque payable to in regards to Natwest?

 

Is it simply Natwest Bank PLC?

 

Sorry if this is mentioned somewhere and I've failed to see it.

 

Thanks

Link to post
Share on other sites

I'm sure either would work. They could probably cash the cheque if it was written to Elvis!

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

Link to post
Share on other sites

Okay....I stand corrected. I have to chuckle though, as many years ago I worked as an accounts clerk for a building company. We did some work for NatWest Bank at the time. I get a right telling-off from my boss when I sent the invoice out charging for work at "NatWest Bank", I was told in no uncertain terms that I should have put "National Westminster Bank"!!

 

Mind you that was in the days when the sales ledger was hand-written in ink!!

 

 

 

 

 

 

Link to post
Share on other sites

I'm sure either would work. They could probably cash the cheque if it was written to Elvis!

Could cash or WOULD cash...?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Yeah. I'm sure they used to be really firm on the whole "National Westminster" thing. Guess that's when they still maintained a pretence of being an organisation with some idea of what prestige meant.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

Link to post
Share on other sites

Could cash or WOULD cash...?

 

Thst is most definitely a rhetorical question Spikeskull?

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

Link to post
Share on other sites

  • 2 weeks later...

I sent my DPA request on the 6th April, First Class recorded delivery. Just checked online as it's getting on a bit now and see it was signed for on the 11th April. It's now the 18th and I have yet to receive anything back, my £10 cheque also hasn't appeared from my account.

 

Is this the normal length of time that can be expected from them? Five days between posting and delivery seems a long time for First Class.

Link to post
Share on other sites

They get 40 days to respond to a DPA request.... thats the most frustrating wait I have ever had!!! - so in answer to your question, I think you just have to sit it out - they are within the legal time limit at the moment. If you sent it on 6th April - they get 40 days from the day it is received - so if you sent it recorded delivery - probably from 7th April which means they have got till about 17th May to respond :-(

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

Link to post
Share on other sites

sorry just saw it was signed for on 11th April - which gives them till 21 May (I think!)

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

Link to post
Share on other sites

They have 40 days from receipt of the request to respond.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

Link to post
Share on other sites

Yeah, that much I knew, however a lot of people here seem to see a turnaround of within a week. I guess they're just being more awkward with my request (although I don't see why, my charges can only come into a few hundred at most)

Link to post
Share on other sites

I'm still waiting for mine, too. I wouldn't worry; one way or another, you'll find out how much they owe you, and you'll get it back.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

Link to post
Share on other sites

  • 2 weeks later...

Okay, this is very strange.

 

It's the 4th May and I still haven't heard anything back from Natwest regarding my DPA request.

 

However, I've noticed that yesterday (3rd May) they added a "£20 Late payment fee" to my Natwest Credit Card, the balance on this card was a paltry -£20 (now -£40), my last payment was 29th March. I don't believe I received a statement between then and now.

 

Now this card I've had for a few years, ran up a lot and paid it off, there have however been times when it's had such a small balance (like the above) I've totally forgot about it and it's gone 2-3 months with non payment, however I've never been charged any 'Late Payment Fees' before, until now. Could it merely be a coincidence that I've suddenly received this fee within days of missing payment or are Natwest playing funny buggers now they know i plan to reclaim all my Bank account fees?

 

i should also point out I've had no mail regarding this 'late payment' so no 'manual intervention' (or automated intervention even) was required, the minimum payment on a £20 balance would be something ridiculous like £3-£5 so a '£20 fee' is clearly unlawful.

Link to post
Share on other sites

Just phoned up the Natwest Credit Card phoneline and told them I was unhappy about this charge, they said they were due a payment on the 3rd, which they hadn't received so they charged me a fee (on the 3rd no less). Told the woman I hadn't received a statement this month, told her Iw as awareof moneysavingexpert.com and consumeractiongroup.co.uk and that these charges were unlawful and I was fuly within my rights to demand a refund and if I didn't receive one was entitled to take the bank to court for every charge over the last 6 years. Her response was simply "I'm not prepared to refund it, sorry" and hung up. :evil:

Link to post
Share on other sites

  • 2 weeks later...

**************UPDATE*******************

 

15th May 2006

 

DPA Request fulfilled, bank statements arrived.

 

Packaged in the flimsiest brown envelope possible, which was ripped and had to be sealed by RM (I have pics if anyone would like me to post them?)

 

I was expecting them to be all a mess but they were neatly in correct chronological order and secured with a rubber band (maybe RM had done that?)

 

Just finished filling in my Excel sheet; £866 in charges (plus £223 8% interest; total = £1089) since 29th June 2001 and now. It's interesting to see how the charges slowly increased in price over the months.

 

Just to be sure, is this:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=182&highlight=excel

 

The Excel sheet we fill in when working out how much the bank owe us? Or is this just for working out the 8% interest?

Link to post
Share on other sites

My statements arrived in a similar condition to yours by the sounds of things. I complained to Nat West customer relations who were surprised they were in such a condition, apparently mine was the first such complaint! There was a number on the back of the envelope, 826, whatever that may mean!

 

Good luck in your claim!

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6589 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...