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Natwest v marlow


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I sent my DPASAR to Natwest on 8th August. After hearing diddly squat, I sent a non compliance email to them on 3rd October which has not been replied to. I gave them a further 7 days to provide my statements which gives them another 2 days.

 

What do I do next if I still receive nothing? Do I have to get an N1 form?

 

Thanks for any advice.

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Hi Marlow, give Joyce Tudor a call, she's in the Data Protection Dept RBoS, she's on 0131 626 1165, very helpful lady

NatWest claim filed 7th Sept, acknowledged 13/9, filed judgement by default 12/10/06,defence and cpr18 rec'd 13/10, Cobbetts AQ rec'd 1/11/06, offered £2000 2/11, refusal sent 3/11, cheque recd 18/11 for £3854.54...WON

Natwest 2nd account S.A.R - (Subject Access Request) sent 19/9,request for payment sent 2/11, £165

Ace Cards & gifts S.A.R - (Subject Access Request) sent 19/9, statements received 27/9, request for refund of £259 sent 28/9

***WON Ace cheque received 18/11***

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Hmm, isn't it funny how I suddenly get letters from Natwest's DCA asking for what I owe them now. I owe them 3k I think mainly from a loan years ago. How do I juggle this whilst claiming back charges?

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How about I send a letter saying I believe the balance to be incorrect as it includes unlawful bank charges for which I am in the process of claiming back. In the meantime, I can pay one pound a month to pay off the rest and send them a means form showing that I can't actually afford to live...which I can't. That sound alright?

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Finally got my statements through dating back to 2000. I'm not sure what I can claim back though. Natwest's way of charging you was always in "interest". First of all I had 2 charges called an "unaaranged borrowing fee" as I went overdrawn, so I think I can claim those. But then it changed to "interest rate for borrowing uo to 1000 pounds on this account is 14.99% PA, this is the short term rate." Should the overdraft exceed this level it will go upto 29.5%. Then at the time of them taking the "interest" it just comes up on the statement as "interest due"

 

Is this the equivalent to charging me, do I tot all these up to reclaim, anyone?

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Finally got my statements through dating back to 2000. I'm not sure what I can claim back though. NatWest's way of charging you was always in "interest". First of all I had 2 charges called an "unaaranged borrowing fee" as I went overdrawn, so I think I can claim those. But then it changed to "interest rate for borrowing uo to 1000 pounds on this account is 14.99% PA, this is the short term rate." Should the overdraft exceed this level it will go upto 29.5%. Then at the time of them taking the "interest" it just comes up on the statement as "interest due"

 

Is this the equivalent to charging me, do I tot all these up to reclaim, anyone?

unarranged borrowing yes

If the account is made up of charges then yes on the interest i believe, can someone confrim this.

 

On the above post, i would write to them and tell them that as the account is now in dispute you will not be paying the amount in full and also this is something that you cannot afford in your personal budget however after the dispute with NatWest has been solved you will look to settle the account with reasonable monthly payments.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Forget the arrears, only happened once. The problem I've got is the statement says charges or fees, then describe it as service fee which is the interest on an overdraft. Then I've got unarranged borrowing fee which is still interest but just higher, also called a charge or fee. Then later on in the statements the standard 6 pound service fee is only listed as "charge", not service fee so I feel I can claim this as it just says "charge". Beside those little things there's plenty of proper charges I can claim, all unpaid direct debits basically.

 

How do you guys send a schedule of your charges? Photocopying 100 pages would take ages, but obviously we need to keep our own copies yet send courts and banks copies too?

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I have now received a letter from geoffrey parker bourne solicitors saying I have to pay up or it's court time. I have yet to send the preliminary approach letter to Natwest about charges, but should I just wait for the court date and turn up saying I'm relcaiming charges so the amount is false?

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I have now received a letter from geoffrey parker bourne solicitors saying I have to pay up or it's court time. I have yet to send the preliminary approach letter to NatWest about charges, but should I just wait for the court date and turn up saying I'm relcaiming charges so the amount is false?

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I believe thaou need to write to the solicitors stating that the amount is in dispute. If the loan was taken to clear unlawful penalty charges then that may also be claimable as others have done so on this site

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  • 3 weeks later...
  • 1 month later...

Right, cracking on with this, I sent LBA ages ago so time for moneyclaim. In the excel APR sheet I've included charges on my statement that were just titled "charges", which I think are the 6 pound statutory interest charge for overdraft, which I probably couldn't claim back, plus the 14 pound unarranged borrowing fee, but as they are together on the statement as "charges...20 pound" then I will include them.

 

The problem I have at the moment is I think the account is still running but only as a means for me to pay my loan repayments into which then get transferred to the loan account or something like that, I really don't think I have access to take money out or anything. So can I get them to repay me these charges by cheque or into my current account with another bank?? If they stick it in their natwest account then it will go straight to paying my loan off which surely they have no right to do..?

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  • 1 month later...

Thanks. I'm very suspicious about the seemingly lack of fight.... The letter has conditions about future charges being unclaimable against, musn't tell anyone blah blah but there's nothing to sign so what's the point in that....

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Congratulations on the win!! :D

 

Received a cheque within a month of doing moneyclaim, though it's from Royal Bank of Scotland. On the payee line it also has my account number, does this mean it can only be paid into this account and no other bank? The account is only used to pay off money owed, it's is otherwise out of order.

 

As I understand it the account number is added on to the payee line merely to help prevent fraud, you shouldn't have a problem paying it into another bank, others have managed to do so.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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