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K v Natwest


katchk
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If you mean the SAR then yes, wait 40 days. It will not hurt to call them the week before the time is up to remind them of the deadline.

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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Ok, so the ball is rolling. Today i received my big ripped brown envelope full of statements and to my amazemnet have been charged a total of £1,269.40, and i have to say that from now on i am going to review these in a lot for detail as on 3 occasions i have been charged twice for the same unpaid direct debit!!

 

So what is the next port of call??

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Once you've added up all the claims send off your preliminary letter to NatWest asking for the money back. Have you read the FAQs?

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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OK, quick question on the prelim letter it says about charges then something else. what is this as on my statements i have all the charges at the rate, and then on 2 occasions it says referral charge?? dont know what this is does anyone??

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I do, it is where an item has been paid that exceeds your overdraft by £26 so rather than returning the item the bank pays it and charges you for the privilege.

Hope that helps

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  • 2 weeks later...

When you say 'in your overdraft', are you in it upto your neck, or still swimming... sorry just joking. It will not make any difference, but you may want to consider the parachute account option.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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