danmoz98 Vs Natwest

[danmoz98]

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

[alanfromderby]

National Westminster Bank plc

[danmoz98]

Thanks for that.

[Bookworm]

Sorry, incorrect. I have the letter from Natwest in front of me and it says to make cheque to "Natwest Bank".

[cheddar]

My letter also says 'Natwest Bank'

[danmoz98]

I should just add to the letter "Please debit the £10 from my account as necessary", after all, they can do it as they see fit with the charges

[Neo]

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

[Bookworm]

Cynical. I like it.

[alanfromderby]

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!!

[Spiceskull]

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

Could cash or WOULD cash...?

[fallen404]

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.

[Neo]

Could cash or WOULD cash...?

 

Thst is most definitely a rhetorical question Spikeskull?

[danmoz98]

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.

[danmoz98]

25th April and still nothing from Natwest. What's the next step of action? Phone calls or letters demanding to know where my DPA request is?

[rivendale0506]

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

[rivendale0506]

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

[fallen404]

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

[danmoz98]

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)

[fallen404]

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.

[danmoz98]

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.

[danmoz98]

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.

[alanfromderby]

Isn't it funny when they have to try and think of an answer - rather than just read the set script!!

 

Keep us posted.

[danmoz98]

I think I'll speak to someone at the bank next week, see if they're any more willing.

[danmoz98]

**************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?

[Omega 3]

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!