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I'm So Scared!!!***WON***


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hi there,

I am going to put my SARS letter in the post tomorrow however I'm so scared, did anyone else feel the same way and what if I have to go to court I dont think I would be able to pull it off because I have never been to court never mind fight a case:oops:

 

I have read quite alot of your posts so thats making me feel a little bit better!!! hope you guys will keep me right when things get harder though cos not usually very good under pressure lol:)

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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Guest NATTIE

amelia- don;t be scared but be happy that you are here and that you are on a winning site. Please read the FAQ's and then follow the guide. You'll be fine. Welcome to the CAG and Good Luck

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Thankyou so much!!!

I have been on the site for a week looking at the posts and reading FAQs however there are still a few things that I will probs need help like the interest and so on but thats a while off yet so I will keep reading up and by then I will hopefully be much more clued up!!!

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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Guest NATTIE

And then you will win. Be positive and ask any questions you like and people on here will help you win and keep your spirits up when you may be tearing your hair out.

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I felt the same as you esp when I got to the court submission stage, but I would bouyed along with a settlement in full without that hassle from another bank, it gave me the push I needed. I have 3 days left until my bank have to respond to my claim (getting scared again) but there are people on here that can hold your hand each step of the way

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Hello

 

I am submitting my sar today and im feeling a little scared. Just keep postive, we have nothing to lose. Looking through the site the advice and help is amazing. People are claiming their money back and so should we.

 

Good Luck!

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you are right terri and I have sent my SARS letter special delivery to edinburgh today so we will see how it goes!!;) I will follow your thread as well because we will probs be at same point all the way!!

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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Hello Amelia, you really have nothing to worry about. I too was scared of taking the first step but then after reading all the FAQs it dawned on me that at the very worst I would lose my court fee. I thought maybe I would have to go to court, end up with a huge claim for legal fees etc. - all completely wrong of course.

 

Instead I ended up spending perhaps 10-15 hours on my Natwest claim, which was succesful in the end. The letter writing does take some time but then on the other hand you have got plenty of time to do it. It's not like you have to defend yourself in court with a big bad judge looking down on you - instead you can reply to letters in your own time and I found the whole process fairly easy. It just takes a bit of determination!

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Thankyou polar for making me feel a load better:) I think I am nervous but excited at the same time if that makes any sense!!! I will just have to stay calm and relaxed and if anything I dont understand pops through my door I will just have to come on here and rant and rave on to you guys if thats ok:p

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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Not happy:mad: sent SARS letter on monday and received a letter from Natwest this morning telling me They are happy to send my complete list of statements however I must include a fee for £5.00 however in my SARS letter I authorised natwest to deduct the maximum fee of £10.00 from my account!! I have read posts where ppl have just authorised natwest to take the money straight from their accs, do yous think that they are messing around or should they of just taken the money if I had authorised them to do so?

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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Who's the letter from?

 

I did exactly the same as you and they deducted £5 from my account without question.

 

I'd give Alex Lyons or Joyce Tudor a call:

 

0131 626 1152

 

I found them both quite pleasant and reasonable to deal with.

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It was Joyce tudor who the sent the letter, so I was going to phone her however i just sent another letter regarding what the cheque was for and I sent it recorded delivery so hopefully she should of received it this morning, so now its just the waiting game however if my statements come as quick as natwests request for my £5.00 cheque I will be impressed!!! Right going to check on the royalmail website to see if my letter has been signed for!!

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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  • 2 weeks later...

Received statements to day so going to do the long hard task of working out how much they owe me and trying to break the charges down so I dont include the advantage gold service charge. wish me luck!! :confused:

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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Ah yes.

 

I had that problem with my friend's claim, I had to redo it about 3 times, so be extra careful with that.

 

Do you still have that Advantage Gold? Because there's an easy way to save yourself £12 a month for starters... Or are you THE only person who actually benefits from it? :rolleyes:

 

One letter, one stamp, £12 a month saved. Now THAT's value for money. ;-)

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cancelled it bookworm last month however I have had it from 2004 and never benefited from it once, must of been mad to agree to it in the first place!!!

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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just to let you know i started my claim on the 18th september and had my claim settled today with the natwest bank £292 going to my account on monday! no strings attached, get in!!!!!

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Fantastic Ken!! Good On You Really Pleased 4 U!! Hope Its Not That Long Away For Me To Be Celebrating.

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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Right Guys Need Some Help!! On The Advanced Excel Spread Sheet I Have Looked Over And Over At The Notes But Still Not Sure What To Put In Colom J Its Driving Me Mad!! Do I Put What My Acc Balance Is Cos Dont Understand What It Means For Facility. Can Somebody Please Help! Cheers....

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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am sick of this already man I cant do it!! right I have done my spreadsheet and the total charges are £2259.00 however the interest only comes to £26.81. can I not use the balance on my acc when I went over my overdraft cos when the interest was took from my acc i wasnt over it. I have been charged every month a interest fee however if I am not over my o/d limit the time the interest is taken thespread sheet doesnt let me claim it back!! please somebody help me cos need to get this spreedsheet sent with my letter to bank!!!

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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hi ken I am trying to claim back my overdraft interest not the 8% you claim if you have to file a case at court, think other ppl have been claiming it I will have to have another look around this site. nobody said it was gonna be easy but I am stressed already lol

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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please please somebody help sort this spreadsheet business out cos am absolutly stuck cant work out if am doing these spreadsheet right. charges i have are 2259 and the interest comes to 74.67 so dont know if this is right or wrong am so confused and i have read through all the post about interest calculations and still no further forward cheers ppl!!

SARS letter sent 02/10/06

Statements received 14/10/06

LBA letter sent 05/01/07

reply received 13/01/07

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  • 2 weeks later...
please please somebody help sort this spreadsheet business out cos am absolutly stuck cant work out if am doing these spreadsheet right. charges i have are 2259 and the interest comes to 74.67 so dont know if this is right or wrong am so confused and i have read through all the post about interest calculations and still no further forward cheers ppl!!

 

Hi, Amelia

 

don't know if you're using Vampiress' spreadsheets but they're really great.

 

The formula in the interest column should read like this:

=SUM(B20*(1+$B$7)^(($B$6-C20)/365))-B20

 

This is from line 20. B20 is the amount of the charge; C20 is the date - be sure you've entered day, month and year. B$7 refers to cell B7, where you enter the interest rate. B$6 refers to cell B6, which is your claim date - today, for example: make sure it isn't set to July or something.

each subsequent line will - or should - change, and will do so automatically (sometimes after a few entries) in Excel. so line the next line should read

 

=SUM(B21*(1+$B$7)^(($B$6-C21)/365))-B21 and the one after

=SUM(B22*(1+$B$7)^(($B$6-C22)/365))-B22 and so on. If you're having a problem, try copying the formula and paste it into the interest column (D?) cell at line 20, see if it makes a difference. then just copy and paste all the way down the page.

let me know if you're OK.

Good luck! BTW - i know how you feel: I'm just about to send off my request for payment letter and it's for over £8700! Deep breath!

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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