Jump to content


saint-luco

saint-luco v natwest **WON**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4651 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

S.A.R - (Subject Access Request) sent oct 17

 

 

have just seen "REFERRAL CHARGE FOR SEPTEMBER" cannot find this in, what can i claim for section,

can i claim? any advice please


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

Referral charges are reclaimable, its the fee they charge you if they clear something when you have insufficient funds.

Read Natweststaffmembers 'Sticky' thread at the top of the forum. It has all the info on reclaimable charges.

good luck

Share this post


Link to post
Share on other sites

thanks kate, did find it. have spent hours reading this site, bit baffling but in getting there:confused:


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

today recieved ackowledgement of s.a.r request & reciept for £10


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites
:) Got home last night after watching super saints win 2-0, and there it was, on the door mat, the now famous brown,torn envelope. had a quick look, lots of charges. will keep you informed

I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

Go Go Saint Luco!

 

 

Hope you have fun totalling them all up! Bet you never thought you would find bank statements so fascinating?!

 

good luck and let us know when your ready to send prelim:-)

Share this post


Link to post
Share on other sites

lol nice one kate, absolutely fascinating, nothing like sitting in front of a real fire ,on a cold night, with a good read


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

due to work commitments just finnished counting, comes to £4465!!!! thats since jan 2002. over £1100 per year GUTTED, didnt realise they were taking so much


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

With interest you will find your claim is over £5000, therefore outside the small claims jurisdiction


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

Share this post


Link to post
Share on other sites

thats what i thought not sure what to do maybe i can split the claim, any ideas anyone?


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

I thought it was the amount before interest? Thus making it small claims? Can a mod please clear this up?


Ex CAG helper ^_^

Share this post


Link to post
Share on other sites

You could split it, or just go for the full amount. The outcome will be the same, though there is some differance in the allocation of costs, but you will get them all back (if) when you win.


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

Share this post


Link to post
Share on other sites

From previous posts there seem to be slightly differing views on this. Clarification would be good.


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

Share this post


Link to post
Share on other sites

ive been searching like mad cant find it at the moment but I WILL


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

Search around and if you can't get more info in a day or 2 then pm a mod or site helper to help you.


Ex CAG helper ^_^

Share this post


Link to post
Share on other sites

well we can all do it. I MADE A MISTAKE. DOH!!!, i forgot to take off the advantage gold charges. the new total charged is £ 4166, they had also given me a refund of £80 in 2003,( nice of them) now i want a little bit more please


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

well thats it now, worked everthing out printed it all off ready to send tomorrow, checked my account online this morning ANOTHER £28 CHARGE, new total claiming is £4194, didnt bother adding the interest not sure how to use spreadsheets, but i will learn, at least this can stay on the small claims track.

will be sending prelim letter tomorrow morning recorded delivery.;-)


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

sent prelim 6th nov. recieved 7th, have recieved nothing yet, must be ignoring me, so gonna type l.b.a today to send on monday, no doubt that will be ignored as well, starting on cap1 next week


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

have a practice with the spreadsheet while you are waiting for responses on your letters..because you WILL need it at MCOL/court stage...to be able to add on the Section 69 interest at 8%.

The simple spreadsheet will do this for you with no difficulty.

 

As for not bothering with the other interest...it's entirely your call...I didn't because it was £37 on a £2500 claim...but I did work out the spreadsheet just so I felt more 'in control' of the whole situation.

 

On your claim the 8% interest will mount up to an awful lot;)

 

good luck in the meantime with the LBA

 

kate

Share this post


Link to post
Share on other sites

righto kate that'l give me something to do while listening to the saints this p.m


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

well that seems easy enough all i did was paste my list of charges to the works simple spreadsheet & it did it all, the interest comes to over £700 which takes it over £5000 so does that mean i cant go to small claims????


I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

Share this post


Link to post
Share on other sites

no, the section 69 interest does not count when determining the track that your claim will be allocated to.

 

kate:)

 

nice bonus eh?!

  • Haha 1

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...