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ssmmdd vs. NatWest ###won###


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Right, been with NatWest since I was in school, as they were offering an account and a football for the sum of £1.

 

I used it for a while, then for reasons I can't remember, decided to open an HSBC Account.

 

I left the NatWest Account alone for a few years, and made a mess of my HSBC Account (Read HSBC Forum).

 

Got a job that would only pay me into my NatWest Account, so started to use it again, and have had plenty of charges placed against me, which I'm now wanting to get back.

 

I've made a DPA Letter, and will send it off as soon as I can find a tenner to enclose in it! (Or I might wait until I get paid and just tell them to take it from that)

 

Now what's better: Handing it into my Branch, or Posting the thing Recorded?

 

I'll keep you updated.

 

Also, many thanks to monkey_uk for directing my attention to this wonderful Forum! :)

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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I handed one copy in to my branch and sent another recorded to the data protection manager in Edinburgh. Sent a cheque for £10 with the one to the data protection manager. That's where my acknowledgment came from too. Not heard a thing from my branch.

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Hi ssmmdd, glad you've finally made it!

 

My advice is for you to send it to the head office with a cheque for £10.00 and also cc it to your branch.

 

Make sure you send the £10.00 cheque with your letter.

 

Don't let them bullshit you by telling you that you've got to fill in a disclosure form, provide proof of id etc etc, YOU DON'T! The letter and cheque is sufficient.

 

Do you have any idea how much they owe you at this point?

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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I ain't got a bloody clue, monkey. But I'm assuming it's a bit. Well, I'm hoping it's a bit. ;)

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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  • 3 weeks later...

*bump*

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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  • 10 months later...

Unfortunately a few things came up in life and I wasn't able to do this, then (and you'll never believe this) forgot about it... :(

 

However, I now have my list of Statements and know that I'm going to be asking NatWest for around £2,000! :o

 

Finding out it was that much was a pretty big shock for me & has spurred me on in getting it back. That and my Manager at work ranting in my ear about it for the past two weeks... :rolleyes:

 

Anyway, time to do the preliminary letter and sort out the schedule of charges.

 

And this time, nothing will get in the way, short of my dying or NatWest suddenly packing its bags and going south... :razz:

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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And this time, nothing will get in the way, short of NatWest suddenly packing its bags and going south... :razz:

 

And let's face it.......... they ain't gonna do that!!!! Get that prelim and schedule of charges ready - and don't forget to hide the 8% interest column (you can only claim this at the court stage). Good luck mate, and keep posting on here every step of the way. Another disgruntled customer about to be £2K better off......... luvvin' it!!!!!!!!! xxx;)

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Whoops.......... soz Sir!!!! Getting carried away with myself!!!! ;)

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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bloody hell ssmmdd, long time no see!

 

Hows life old fellow?

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Life is poor. So it's time to irritate the Bank Manager. :p

 

I'll let you know things as they go along.

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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Guest NATTIE

do you work for the bank, sorry post 1 seemed to possibly indicate an rbs employee(owners of NatWest). Also post it to borehamwood, the manager will anyway

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Gah, I really should type with more cryptic thoughts in mind!

 

Yep, used to work for RBS, selling Tesco Car Insurance.

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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  • 4 weeks later...

Heh. Is that good or bad?

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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Jesus Christ you post quick!

 

Explain why it's both?

 

While you're doing that, I can say that I now have an official amount of how much I'm going to be prodding NatWest for - prodding with a very sharp stick:

 

£2,192.

 

Prelim Letter typed and Printed, Amounts Excel Page typed and printed.

 

Now, should I also highlight the charges on my Statements and send them also?

 

Cheers! :)

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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Guest NATTIE

No you need to produce a schedule of charges, ie charge amount date etc, etc,

Am getting faster in posting as well. Learnt to touch type since i joined the site.

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No you need to produce a schedule of charges, ie charge amount date etc, etc,

That's what the Excel File is ...

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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Yes ssmmdd, what you have said is fine, just send that.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Cheers monkey_uk.

 

NATTIE, do you mind if I PM you? If you don't want me to, that's ok. :)

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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ssmmdd - it's best to post on the open forum really so that other members can benefit too. Onviously if it's highly personal then yes, use PM, but generally there is no need.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Ok. :)

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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