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    • It's solved Laura.  It's in the paragraph I've highlighted here in the attachment from the IAS. Plus look at page 28 of the PDF of Bank's WS.  There is written - 157 IPS 29/04/2022 12:52 29/04/2022 14:52 YE60PZA 158 IPS 29/04/2022 12:51 29/04/2022 14:51 YE60PZA - there are the two payments. One is for the elderly woman's car. One is for your son's, but with the wrong registration. When I get a second this evening I'll add the exhibits to the WS and it will be finished. IAS adjudicator's report.pdf
    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
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Fallen 404's Natwest Diary


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I'm not quibbling. I'm procrastinating. And the reason I was asking the question was because I wasn't sure if I should do the one claim, for the charges these letters relate to (March 2006 onwards) and another for 2000-2006, or just lump them together from the start. I know the charges to date from March precisely, it's just the other 5 or 6 years I'm unsure about (although it's going to be a lot)

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

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Right, sending the following off today:

 

Group Litigation

RBS/NatWest

1 Princes Street

London

EC2R 8PB

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX

 

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 as my fiduciary.

 

I calculate that you have taken £581.00, since the start of March. I am currently awaiting confirmation of just how much you have charged me prior to that date, but will also be claiming this back. I would remind you that a request for this information was submitted, under the Data Protection Act, to yourselves by Royal Mail Recorded Delivery on the 11th of April, meaning that you have only a further 7 days from this letter’s date (until the 22nd of May) to provide me with the data I have asked for.

 

I require repayment in full of this money. If you do not comply fully within 14 days of the date of this letter, then I shall begin a claim against you for the full amount, plus interest, plus my costs, 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.

 

Yours faithfully,

 

 

 

 

Fallen 404

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

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Okay, further to this, I got home today and found a full set of statements. Whilst the envelope was torn, the statements were in order and didn't appear to contain any duplicates.

 

I've been through it, and found a total of £1320.13 in further charges, putting my grand total at a little over £1900.

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.

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Okay, further to this, I got home today and found a full set of statements. Whilst the envelope was torn, the statements were in order and didn't appear to contain any duplicates.

 

I've been through it, and found a total of £1320.13 in further charges, putting my grand total at a little over £1900.

 

Mine was exactly the same funnily enough. Makes you wonder if they tear them on purpose? Did your brown envelope have a number on the back by any chance?

 

See my thread here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=3343&page=3

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Yup. 470.

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.

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Neither of my envelopes had a number.:( Have I missed out on being in a system somewhere?

 

But I have to say, Natwest are the uttermost worst offenders with packaging. Fattie's came from First Direct by courier, all taped up and had to be signed for!

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Think it might be a new system they've put in recently. The funny thing is that the statements were from Stuart Higley's department, and the letter had his name at the bottom, although it had been pp'ed.

 

Anyhow, my figures are:

 

Charged from 07/03/06 = £581.00

Charged 31/08/04 - 06/03/06 = £1,320.13

Grand Total = £1,901.13

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.

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Anyhow, my figures are:

 

Charged from 07/03/06 = £581.00

Charged 31/08/04 - 06/03/06 = £1,320.13

Grand Total = £1,901.13

Does this include interest on the penalties they have charged you or are you leaving that out?

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I've left that out. I wasn't sure if the interest marked on the sheets was for the whole overdraft, or for the amount I was over my limit. I have a feeling it's the latter, though.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

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I have done just now, but rather than having my statements with me, I've input all the charges into Pocket Excel on my PDA, so I won't be able to look up the interest I've been charged until I get home.

 

By the way, is there any particular reason the sheet stops at "777?"

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.

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Nyah...I just wondered if it was some obscure Crowleyan reference...

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.

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Right, second letter getting sent off in a second:

 

 

Group Litigation

RBS/NatWest

1 Princes Street

London

EC2R 8PB

 

16/05/2006

 

RE: LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX

 

Further to my letter of yesterday’s date, I received a copy of all statements last night via Royal Mail. However, there were no details of any manual interventions to do with the charges levied on my account. I therefore assume that there have been none.

 

After careful perusal of these statements, I have calculated that the additional figure you have taken from me in unlawful penalty charges amounts to £1,320.13 With the previously stated amount of £581.00, this makes a total of £1,901.13

 

As detailed in yesterday’s letter, I require repayment of this sum within 14 days (On or by the 30th of this month), or I shall begin a claim against you for the full amount, plus interest, plus my costs, without further notice.

 

I look forward to hearing from you.

 

Yours faithfully,

 

 

 

 

Fallen 404

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

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  • 2 weeks later...

Putting in my court claim later today. Got my spreadsheet all sorted, although I seem to be missing a sheet of charges for March to April, so I need to quickly nip into the bank to grab that, then it'll be time to pop the safety off and open fire. I'm looking at over £2,000 now I've added on the interest.

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.

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At last the real fun begins - good luck.

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.

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Hmmm...So for the 8% interest, what date am I putting down as the date from? The date of the first charge? Also, what is the daily interest rate? Once I know that, I'm all set. The only problem is that, because I'm claiming a total of £2,240.15, the court fee is £120.00, which I'm not sure I can afford this month :-x Even when I'm getting my money back from the blighters, they manage to leave me out of pocket!

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.

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Yup, it's from the date of the first charge....you can use the spreadsheet to calculate all the interest if you put all your charges in there. As for being skint, you can always wait a week and see what lloyds do with my claim, and if they pay up you know I'll happily lend money to the "lets screw Natwest" campaign :-D

 

*mwah*

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Thanks darling...All I need to know now is the daily rate of interest, and I'm sorted.

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.

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I just entered it into the speadsheet, with yesterdays date to tell me how much interest would accrue in a day, when I did mine....

 

Don't forget to open any interesting looking letters which come for me whilst I'm away so that you can let me know any good news! :-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Clever...Now if I can just get the blasted thing to fit onto 24 lines...(currently taking up 24 and a half!)

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.

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The 8% interest is applied to EACH charge from the date it was applied. Hence, a charge on 01/01/2000 will be interest for approx 2,200 days whilst a charge applied on 01/01/2006 will be approx 160 days worth...

 

Sorry if that seems obvious, but your post suggested that this was not crystal clear...

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.

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There's no way I'm going to be able to fit all that into the claim. Is there any way of submitting supporting documents (ie the spreadsheet?)

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.

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The spreadsheet works out the interest on each charge...you only need to enter the total interest! And then the daily rate which would be charged after that! You should be able to fit it on :-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Yeah. I've already done that, it was Spice's comment that threw me...

 

Spice: I meant the date from which you say you're claiming interest on the claim form.

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.

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