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    • thanks for your kind words ,  its the procedural stuff i worry about   technical stuff that can affect outcomes because of my inexperience   skeleton arguments, to be done cost schedules informing court how long i think it will take etc.    for instance their solicitor has asked for some emails between me and my loan broker - well after disclosure. i havent disclosed these ( they are privileged) and i have written them in the privileged box - only three emails anyway   but should i just provide to him as i actually want to present in court myself , and letting them have them actually discloses  them so they become admissable  or ignore?   also costs- mine arent too high   but what is fast track going to cost me in a situation where i lose.   i know court fees capped at 1650 but what if their solicitor bill is 20k-    i have managed to include all the way through their failings of pre action haste to litigation letters offers to settle subject to costs- i would nt feel so bad if all i was fighting was the court claim amount.
    • Yes you can.....you appear to have a good understanding of the basic credit consumer law.....possibly impress the judge that you went it alone...plenty of Fast Track cases been fought and won by litigants here on CAG.   If you have the evidence...the argument....and the personality to convey .....go for it...think of the fees you will save not paying the barrister.
    • Hi FTMDave They initially requested £140 within 14 days. This has now gone to £182 after the initial debt collection firm took over (now back with CEL   The carpark had two options, pay-by-app and cash, we had n cash hence using the easier app. The app in the playstore has shocking reviews, im not the only one.   I wasnext going to get 'their hand' sent to me fromt he data controller, sending the following:   Dear Sir or Madam   Subject access request ( Data Protection Act 2018 / General Data Protection Regulations (GDPR) )   Please supply the data about me that I am entitled to under data protection law  relating to myself. - All photos taken - all letters/emails sent and received, including any appeal correspondence earlier - A PDT machine record from 23/11/2019  of payments - A record of online payments made using the Google Playstore APP that day - all data held, all evidence they will rely on, and - a full copy of the PCN, NTK - a list of all PCNs outstanding against me and/or this VRN, and I will remind here that any claim must be for all PCNs, not several separate claims.   If you need any more data from me to confirm my identity please let me know as soon as possible. It may be helpful for you to know that data protection law requires you to respond to a request for data within one calendar month. If you do not normally deal with these requests, please pass this letter to your Data Protection Officer, or relevant staff member. If you need advice on dealing with this request, the Information Commissioner’s Office can assist you. Its website is ico.org.uk or it can be contacted on 0303 123 1113.   Yours faithfully    
    • You need to read some more and then some.......costs are restricted in Small Claims Track....have a read of the above thread...same scenario...and its getting close to a hearing now....squeaky bum time for them.
    • OK, we can help you.   A couple of questions first.  You blanked out the amount they are claiming.  Can you tell us?  I bet they have added Unicorn Food Tax to their claim.   Also, can you remember if this was pay-by-app-only car park, or if there were other payment methods?
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Hello, my first time on this forum, so please forgive any newbie errors!

 

I just wondered if anyone could advise me how to obtain details of older loans and microfilm transaction histories from Natwest bank.

 

I called their PPI helpline and they said my loan from 1988 was not on the system.

 

The local branch cannot find any record of it,

so I referred it to the ICO and

 

then I was sent statements back to October 1992.

 

Unfortunately, I repaid the loan sometime early in 1992 so nothing showed up on these.

 

I have read about other users on this forum who have managed to get information from a lot earlier than October 1992,

which may have been stored on microfilm/microfiche,

 

how do you find that?

 

Someone mentioned the Natwest Customer Lending Centre,

 

how do you contact them?

 

I'd be really grateful if anyone who has some expertise or experience in this area could help. Cheers

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Hi

 

Yes some have been lucky in getting old data.

 

Be aware though that the bank do not have to hold records for longer than 5 or six years after it has been paid off so you may not get anything.

 

You could try a Subject Access Request (SAR) to see if they have anything but it could be a long shot for a loan of that age.

 

Template for SAR is in the CAG library, the link to which is at the top of every CAG page in green.

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Thanks for the reply, already done a SAR, that's how I, eventually, got hold of statements from October 1992.

 

It's the microfilm or microfiche transaction histories from when the account opened that I'm trying to find now.

 

I've read lots of stories about other customers finding this type of data from different banks including Natwest.

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Did you try a "Failed SAR" letter and tell them what you consider was missing.

 

I would think that is the way forward.

 

It is possible to sue for non compliance to force them to give you missing data.

 

However, as said, given the age of this one it may be an uphill struggle with no guarantee of success.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Thanks for the suggestion, by failed SAR do you mean complain to the ICO? I tried that and they managed to get Natwest to supply bank statements back to October 1992. Its the microfiche records that the bank haven't provided, they won't say if they have been searched or even admit if they exist. Why?

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There is a letter for a failed SAR in the CAG library.

 

You now say that the ICO has had a look at this? They should be able to force disclosure if the records exist.

 

Have you asked the direct question of Natwest as to whether they exist and required a yes or no answer?

 

All you can do is keep up the pressure with Natwest and maybe the ICO too.

 

Always bear in mind that these records may bo longer exist...they may have legitimately destroyed them.

 

You could ask for the certificates of destruction but whether they will let you have that is again another matter.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanks again for your quick response.

 

I'll have a look at the failed SAR example.

 

I will ask the bank for a direct answer to the microfiche question.

 

My account has been in use since the mid 1980's and I understood they did not destroy your data unless you closed the account?

 

Is it possible that they might destroy some customers data and not others, or would all live accounts be treated the same?

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