I won 2 days ago. Anyone need advice?

[Bazzlad]

As per the title, if you're worried, just ask away.

 

Bazzlad

[tigerlilly24]

Hi Bazzlad and Congratulations !

 

What I would personally find helpful (and maybe a few other members would as well) is if you could maybe post on here the Particuars of Claim you used (obviously minus any personal bits)? I'm just getting to my N1 stage and, although have done the N1 form in 'rough', it would be handy to see another POC, especially from someone who has recently won !

 

At what stage did they pay out too? Did you have to go a long way down the line?

 

Best wishes.

J

[jessy2609]

hi people,

 

i am currently looking into claiming my charges back, they total about £1600.00, but i need help, im woried because i have a overdraft with matwest and am always in it, right up to the max in fact, would natwest make me close the account or would they credit it and let me carry on banking with my overdraft??

 

please can you advise me.

 

thanks you

jess2609

[Bazzlad]

I'm still banking with them and I still have an overdraft.

 

If you're worried get a back up account elsewhere, but start you claim now, you have at least 3 months before you win, plenty of time to get another account!

[Bazzlad]

Hi Bazzlad and Congratulations !

 

What I would personally find helpful (and maybe a few other members would as well) is if you could maybe post on here the Particuars of Claim you used (obviously minus any personal bits)? I'm just getting to my N1 stage and, although have done the N1 form in 'rough', it would be handy to see another POC, especially from someone who has recently won !

 

At what stage did they pay out too? Did you have to go a long way down the line?

 

Best wishes.

J

 

I filled in the Money Claim with the template given here, the important things to remember is to include WHY you think these charges are illegal (it's on the template) and of course how much you want!

 

I got my money early, I didn't have to fill in the questionaire and it was 14 days before my court due date.

 

Lucky me

[jessy2609]

ok thanks for your advise

and congrats on your win!!

can i refer back to you if i have any more concerns please

 

thanks

[jessy2609]

actually i have just had a thought , i also have a loan with natwest, of about 7k, this was a consolidating loan as i was overdrawn and it covered the amount i was overdrawn and all the charges and interest, i was pushed into this loan as ithere didnt seem to be any other option available to me, do you have any advise about what i can do about this please.

 

please help

jess

[Bazzlad]

You can refer to me if you need help, but I don't know everything!!!

 

As for the loan, my advice is claim for any charges ON the loan, and claim for any charges ON the account (within 4 years) and use the winnings to pay your loan off.

[Lindy Lou]

Well done!! I have a question, although you may not have had to do this.

 

I've just received an offer from NatWest, having completed the AQ etc etc and am about to reject it. Did you do this? I'm just wondering if the letter in the library that I used to reject my earlier offer is the correct one to use now.

 

Any ideas??!

[stringernicy]

hi bazzlad, stringernicy here, well done to you. im a new member with "cag" and I have just sent my initial sar letter to HSBC. Unfortunately I think I may have made a mistake and sent it directly to my branch, I did not send it recorded or special del. Did I send it to the right place? As you may be able to tell Im finding this whole process very confusing, and quite stressful. Im very worried as there is so much information to take on board, that I may forget some detail, end up in court and have it cost me an arm and a leg. This I cannot afford. HSBC are already stinging me for £125.00 a month in charges, this is putting me in so much debt Im at a loose end.

[debt_mountain]

actually i have just had a thought , i also have a loan with NatWest, of about 7k, this was a consolidating loan as i was overdrawn and it covered the amount i was overdrawn and all the charges and interest, i was pushed into this loan as ithere didnt seem to be any other option available to me, do you have any advise about what i can do about this please.

 

please help

jess

 

My understanding of this is that once they payout on your charges you can then claim for the interest on the loan if the loan was direct caused by the charges etc. I have read of someone being paid in full for the loan and it was cleared off.

 

this is the route I am going down, just finalising the charges bit with Bank Of Scotland first.

[Lindy Lou]

Hiya, I know you weren't asking me but I can answer you anyway! I sent my letter directly to the branch and that worked fine for me. This site is so helful, I've filed the claim and done the Allocation Questionnaire etc so have been through a few more stages than you. Just make sure that you keep reading the posts and keep copies of everything, and you'll be absolutely fine x

[GaryTravers]

i always wonder why they give up at different stages and pay up....

 

some get their money back with out even trying, some have to try a bit then before they get to court, some have to put the claim in.....you get my point.

 

congrats anyway, my fingers are crossed i get the same luck, my claim went into the court on thursday

[teresa reed]

I am a little bemused, Do you have templates of the letters that you used. I am right at the beginning - i only found out about this on Friday but I know Barclays owe us money.

 

Many Thanks

 

Teresa

[Lindy Lou]

There are templates for every single letter that you need to write throughout the process- these are in the template library on the first page of the forum.

 

The best thing to do, and most people will say the same thing, is to spend a few days looking through people's posts and getting the feel for what the process is. Read the FAQ's, read the templates and also read the step by step guide. That way you can't go wrong!! Good luck!

[gizmo111]

actually i have just had a thought , i also have a loan with NatWest, of about 7k, this was a consolidating loan as i was overdrawn and it covered the amount i was overdrawn and all the charges and interest, i was pushed into this loan as ithere didnt seem to be any other option available to me, do you have any advise about what i can do about this please.

 

please help

 

I had the same and put the amount of interest charged on loan on spreadsheet and it then apportioned that ot what amount was charged on my loan. But I filed claim on 24/07 and have today sent cobbettts back a cheque (not a refusal of settlement but because of the way it was written) and they are disputing this loan interest. People have on other banks had their loan refunded - but you can't claim it back twice - so ifthe charges were a large part of the loan and you claim them then you can't then claim the loan.

 

 

 

[dantracey]

Hey Congratulations

Ive only just sent in my SAR hope you dont mind if i scream help to you on my conquest.

Again well done!!!!

 

Tracey

[Bazzlad]

I'm here to help now so dont' worry, drop me a PM if it's personal or just message this thread. As for the person starting it's VERY important to know the process, there's an FAQ with steps and templates all on this site. Read them, digest them, use them. Don't go off half knowing what you're doing. It's a receipe for disaster and a few people lately have skim read the forums and gone off, only to find they filled in their moneyclaim form wrong. Good luck one and all

[dantracey]

Bazz

 

Im doing as much reading possible, i have opened a separate folder on my pc going through all the steps in a way i understand and everything i may need.When i first came on here it was daunting, but hopefully as the days go by things will get clearer.

 

T

[Bazzlad]

It will mate, and if it doesn't just PM me and I'll do what I can.

 

Bazz

[Lindy Lou]

Hi Bazz! I've asked this question loads of times but haven't had an answer! I received an offer from NatWest having submitted my AQ last week. Is there a new template to reject this offer? I can't find one on here! Apologies if you didn't have to do this!

[Godders]

I don't think all correspondence needs a template.

 

Surely it's just a case of writing to them with words to the effect of "thanks but no thanks, I intend to continue with the claim for the full amount"?

 

You could even use the standard 'rejection of settlement offer' and alter it a bit.

 

eg:

 

"Thank you for your letter dated xx/xx/xx.

 

I respectfully decline your offer of settlement. It is my intention to continue with my current court claim against you (Ref:xxxxxx) for the full amount owed.

 

I trust this clarifies my position.

 

 

Yours faithfully"

 

I know there's a bit of paranoia in not wanting to say the wrong thing or mess up your claim in any way but something as simple as this isn't going to leave you exposed.