defence

[nagumos]

Hi there,

 

I have just sent my bank a DPA last week, so far I have received nothing off them regarding my letter. Although I did recieve a letter off them this morning imforming me that they are to charge me £28.00 for going £2.00 over my overdraft limit. Day light robbery, they should be wearing masks!!

Will keep you posted as this is NOW WAR

[cheddar]

Good luck and keep us informed. They have 40 days to send your DPA to you.

[nagumos]

Hi,

 

I have just told mt friend about this site, I cant remember for the life of me how to find the DPA form, can any one remind me??

[katesage]

Hi Nagumos

click on the main Consumer Action Group title, scroll down to templates in green. Select Bank templates. DPA template is in there.

BUT dont download and send off until you are more familiar with the workings of the site. eg FAQs Forum rules, other peoples threads etc etc etc.

It is simple but you need to get used to the site layout to get up to speed properly.

 

Good luck and welcome

Kate:)

[nagumos]

Thanks for your help Kate, I found what I was looking for for my friend, she is now taking 2 banks on!! ha

[nagumos]

Sorry Cheddar...

 

 

MODERATED 3 threads merged , please keep to your original thread when updating , thanks .

( not sure where this particular post was meant to be as it was in this forum in its own thread )

[nagumos]

Hi there.

 

Ok so far no word from NW although they have banked my CHQ, so at least I know they have received my DPA.

My partner sent his out at the same time as me to HSBC, last week he received a letter informing him that they would not bank his CHQ as a goodwill gesture and he is to receive his statements very soon.

Looks like NW are digging there heels in!!!:o

[nagumos]

Hi..

 

Do you included the interest on your statements or just the charges????

 

MODERATED AGAIN: Please stick to your own thread instead of hijacking others.

[nagumos]

Hi, just recieved my statements, added up that they owe me just over 2k, but that is not with any interest that was charged to my account, as I am not sure about the interest.

Where do I go from here?? I cant find the spreadsheet that does all the calculations for you, I have done my own on the computer.

Sorry for being so confused but exactly what letter do i send with these calculations and do I have to have them all in date order and titled?

Help !!!

[eyespy]

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html?highlight=vampiress

 

 

Hi take a look at this thread. Spreadsheet on here too.

 

I can't help you with your qauestion because I have the same questions too!!

 

If you get advice before me please let me know.

 

thanks

[nagumos]

Hi..

 

I have just received a letter from Stuart Higley informing me that "Having reviewed your account, I can find no instance where charges have been applied when they are not properly due. They have all been associated with a lack of covering funds in the account at the time items were presented for payment"

Is this the standard P### off letter?? Has anyone else had this paragraph in their letter??

[orfoster]

Yeh thats the standard sod off letter he sends out, well i mean the computer sends out. I had mine this Tues and have send in my LBA so hoping to hear the next sod off soon.

[nagumos]

Thankyou very much..I was worried ! Im going to post my LBA action this morning recorded delivery. Thanks again for the advice, will keep you posted:)

[nagumos]

Hi, Just got another letter off Sstuart higley informing me that "There is little that i can add constructively to my last letter and note your proposed action. i hav ealerted our lawyers and litigation department accordingly"

Has anyone else had this letter???

I hope its just the standard letter...:-|

[katesage]

hi nagumos

yes this is the standard bog off letter. i'm presuming this is higleys response to your lba. did he also say he is disappointed u r considering legal action!?

crack on with court!

loads of luck

kate

[nagumos]

He did on his first reply, in this letter he just said, thankyou for letting me know your intentions.

Thanks for the advice:)

[Cally]

Hi Guys

What!!!!!! I got the same letter from the same guy yesterday. This Stuart Higley must be a very busy man. I wonder what he did before all this re unlawful bank charges came to the surface. Oh By the way, it came on the same day as a letter from Capital one informing me that they were going to reduce the penalty charge by half form the 31st of august thats a bit like a bank robber saying that he will only take half the loot in future. has anyone else had such a letter

 

Keep it up

Cally

[Isobel Daly]

Hi, I got the same letter from Capital One a week after asking them for all the charges on my card account. Coincidence - I think not!

 

isobel

[nagumos]

Thanks evryone, at least we are all more or less getting the same letter, Im just about to start my money claim. Wierd though, some people get offered some of there money before now. Not that I would take it anyway:)

[nagumos]

Hi everyone

 

Just about to start my moneyclaim, really confused as to the wording I put in, any advice anyone? Much appreciated. I have just checked my online account a minute ago and have found that they have taken off me this morning £90. It leaves me nothing to live on for the rest of the week, how can banks justify this behaviour??

[Guest NATTIE]

Can someone help nagumos, and Good luck to you

[chriswatkins]

Hi nagumos, look in sticky at both guide notes for completing moneyclaim form and particulars of claim-hard copy version, hope this helps

[nagumos]

Thanks, i have looked in to it today, just need to get my head round it and wait until I have the relevant funds to pay for it, thats if snatchwest dont take it off me. This site is fab, once this is all over I will certainly be donated 5% of what Im owed.

[nagumos]

Hi Everyone, Natwest have just taken nearly £100 last week out of my account, charges, card misuse etc, I rang them this morning asking them what was going on. Basically they told me that I did not have sufficient funds in my account to pay D/D so they charges me £38 and £35 for the priviledge. Arhh I am so angry, what I have done is opened another account and as of today I am getting my wages paid into that account, how long does it take to change D/D? Has anyone else done this? I am in my overdraft now as we speak, can the bank demeand that I pay in all back immediately????

Any advise would be great:grin:

[Kidson]

If the same D/D is presented twice and you are without sufficient funds on both occasions ~ then the bank will automatically cancel your D/D. If you then subsequently wish to establish a new D/D with the same supplier, they will make you wait 90 days before they will accept a new D/D instruction.

 

If you have insufficient funds in your account and you know a D/D is on its way, suggest it is better for you to cancel the D/D.