sjc1985 v Natwest

[sjc1985]

My natwest account was running ok until about 3 months ago when they charged me nearly £3000 in one go in charges... it ate my benefits for 3 weeks and they wouldnt give it back, as a result, i withdrew my money as im a single mother and its ALL i have to live on. Now theyre charging me over £50 a month in overdraft interest and permanent charges time after time and i have virtually no money left to pay them the money back in on go as they ask... Please someone tell me what to do! I cant live anymore on the money I have and they are charging me a fortune and have already taken a fortune in charges... please????

[rose123]

ask karny or anyone in chat with the A next to there name they usually know there stuff and are site helpers.......hope it helps and dont give up xxxx

[Guest Mumofthreeboys]

You need to read these and try and calm down. Everything will be ok http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[sjc1985]

That does help, thank you... Iv got a new account with barclays and withdrawn my money etc... but theyre still charging me £50 a month in interest for my overdraft as its getting higher and higher... My overdraft only started @ couple of hundred as my bag with my cheque book etc got stolen and i wasnt sure what had gone missing! Is there any way of claiming back the interest charges as my overdraft is getting higher and higher and their interest is as well... Can I ask them to go to debt collectors with it? Or should I go to the cab and ask them to arrange something with the bank? x

[sharmal]

Let them keep charging you. If you have not got any money going in, and then start proceedings against them along the lines of the CAG Forum, it does not make any difference. You just claim it all back plus charges you may have accrued in the last 6 years.

 

There is a letter I believe that you can send to the bank to get them to stop as the account is now in contention and no more charges etc should get levied. Have a look in the Library. Sorry do not know how to do the link.

 

All the bank will do is write off the charges if you claim up to when you stop using the account. If they don't claim theose as well and make the bank pay themselves back. Does this make sense?

[sjc1985]

ok, thank you, will give it a go x

[Guest NATTIE]

sgc- having read the title and what happened in your cirumstances I have to say it is a bitter pill to swallow for me, as a member of staff. The first thing I did was straight into the chatroom to ask the guys in there to give you some advice because the last few lines on your first post got to me that much. I am so pleased that Karnevil, rose, motb and sharmal have been able to help. At least today things do not seem as bad as yesterday and you seem in better spirits. My advice to you is that if you ever get to that point again pop into the chat room as ask people in there. It may seem daunting but they are fantastic and always willing to help. Keep the chin up, the CAG family can always help.

[sjc1985]

Thank you but theres sooo many questions... I cant find the letter to ask them to stop charging me while its in dispute... and theyre so cheeky! They want nearly £200 a month off me! I barely get that as a single mum! x

[Guest Mumofthreeboys]

Thank you but theres sooo many questions... I cant find the letter to ask them to stop charging me while its in dispute... and theyre so cheeky! They want nearly £200 a month off me! I barely get that as a single mum! x

 

I sent this a letter along these lines:

 

ACCOUNT NUMBER: XXXXXXXX

I today received your letter dated the ********. In it you informed me that you have referred my account to Westcott Credit services Limited for recovery of the debt.

 

This account is in dispute. I have been corresponding with Mike Brophy head of customer relations at your London E14 address.

 

On the ******* I issued a summons at *************** for the recovery of ********** from yourselves, which has been unlawfully removed from this account during the last 6 years.

 

As you are no doubt aware to refer an account, which is in dispute, is a clear breach of section 13.6 of the banking code, which you are a member.

 

I also note from your letter that you have registered this information with credit reference agencies. You have a responsibility in law to ensure that personal data that you hold is accurate, relevant and up to date. The fact that this matter is in dispute is both relevant and makes any entry on a credit file inaccurate.

 

These matters I consider to be a serious breach of both the banking code and the Data protection Act. I require you to immediately to remedy this situation by.

 

· Recalling the debt from Westcott Credit Services Limited.

· Removing any reference to this debt from any credit reference file.

· Inform me in writing within 7 days that you have done this.

 

If the above is not done within 7 days I will make a formal complaint under the Banking Code and to the Information Commissioner.

 

I will also inform the district judge at Northampton County Court who is dealing with this matter. I am sure they would take a dim view of such threatening behavior prior to a county court case.

 

This letter is in confirmation of a phone call I had with Eamon McManus of your collection centre today at 11.50am. I relayed the contents of this letter to him who undertook to deal with the matters raised.

 

Yours sincerely

 

XXXXXXXXXX

 

 

CC - Mike Brophy, Head of customer relations

Freepost RLTA CSUE TCHC

London

E14 SHP

 

Westcott Credit Services Limited

Dunedin House

45 Percy Street

Hull

[sharmal]

I dont know that the letter by mum of three boys will help. Certainly if you have got all your money out of this account and got a new one then the bank will have to accept what you give them. If they are not happy withthat then they will probably get debt collectors in. Not to worry about that now though.

 

First thing to do is write a S.A.R. to NatWest asking for all statements etc going back 6 years. The letter is in the Bank Templates Library under Data Protection Act - Subject Access Request letter - list of charges.

 

Put your own details in obviously, and then you will need to send it recorded delivery so you can prove that it was signed for at the other end. That will cost you a £ and you fill out red slip in P.O. not silver one like I did.

 

Also you will need a check or Postal Order for £10.00 as per letter.

 

I will keep looking so keep updating.

 

Also write to the bank or pohone them and tell them that you will be depositing xxxxxx until everything is sorted out.

[sjc1985]

Iv done all the first stages, im just at the point with my court papers, unfortunately my timetable went out the window a little bit but im going to go full steam ahead... Thanks to everyone for their helo and i will let you know how I get on x

[sjc1985]

Ok, sorry to ask again but iv just completed the court forms mostly apart from exactly what im claiming for... the charges are £2282.22 and the 8% is £145.09... I know I claim for both parts of this... With regards to the interest im unsure exactly what im claiming for... the "interest on penalties" column adds up to £150.40 and the 8% on the interest part adds up to £2.97... Do i just add both these totals onto the other two totals or just one of them? Can someone who has claimed for the interest please tell me? x

[sjc1985]

If anyone knows can they let me know asap please as Im really desperate to send off my papers x

[Guest NATTIE]

bump on this one for the evening guys

[wendyandkeith]

bump... someone must know please?

[Guest NATTIE]

sjc- have you got an answer yet?

[sjc1985]

Im waiting for them to file a defence now, it has to be in by April 4th... What happens then? Im completly over my head on this... Does the AQ come out with the defence? x

[katesage]

Hello SJC

 

I'm really sorry you didnt get responses to your questions in October, presumably you did some studying and worked it out.

 

Whilst you await their defence, do some further reading on the next stage.

 

The chances are you will start getting offers soon. The Allocation Questionnaire follows receipt of the defence, I received mine some 2 weeks after I got NW's defence but, depending on the court, you could receive it sooner or later.

 

Here is the link for help with filling out the allocation questionnaire.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

How did you get on with your Particulars of Claim on your MCOL/N1? Did you use the template from here?

 

Most important of all, Dont worry, your not in over your head, keep plugging away and you'll get there.

 

Any questions, just post them here, I'll try and see that you get some help this time!

 

Good Luck

[sjc1985]

Hiya, yes i read loads and muddled through... I used the template from here to fill in the particulars of the claim. I had done my parents for barclays and they have just settled but id done that quite a while before mine so im stuck now iv got to mine again, lol x

[sjc1985]

I got my defence today and im not sure if its standard or not... I am going to scan it and attach it on a post, if someone could have a look for me, it would be great,

 

Thanks

 

Sarah

-x-

[Parkvale]

Scan away. There are alot more experienced Caggers now.

[sjc1985]

 

 

 

This is the defence that I got... Can people look at this please and tell em what I need to do? Its all confusing me. Also, will the part about my partner not being on the claim do any damage to my claim etc? I was told that only one person needed to claim as it was a one to sign account...

 

Thanks

 

Sarah

-x-

[sjc1985]

If that doesnt work, the links to them are...

 

 

http://i145.photobucket.com/albums/r235/sjc1985/courtdefence.jpg

http://i145.photobucket.com/albums/r235/sjc1985/courtdefence001.jpg

http://i145.photobucket.com/albums/r235/sjc1985/courtdefence002.jpg

 

Thanks xxx

[Parkvale]

Absolutely normal cobblers from cobblers. You don't have to do anything now. The court will send you an AQ (allocation questionaire ) Which you fill in http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires-3.html. Youwill then be dircted by the court. Cobbetts defences are quite intimidating to scare you into submission. Good luck.

[sjc1985]

So thats all normal then? What about the part about Colin? Does that mean that I cant claim on my own? Does he have to join claim now? x