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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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Got the statements - FINALLY!!!!


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Hi guys

 

Would really appreciate some help here as I'm so worried!

 

Sent recorded letter with £10 to Natwest Bishopsgate on 3 Aug, got a reply on 24 Aug saying statements have been ordered and will send them asap, they also sent my cheque back too. Called them last week chasing the statements and was told that I have to wait 40 days from when they responded to my letter NOT from when I orginally sent them my request letter.

 

Now received this morning several letters saying that relationships have broken down and I should make alternative banking arrangements - these were about my 2 saving accounts - one of which has 10p the other nothing! Also got letter saying that as I'm over my overdraft by £150 they are taking me to court and that my bank loan is in arrears by two months and taking me to court about that too!! Can they really do that??? Could they have sent these letters because they know where i'll be going with the request letter i sent them? Are they getting wise about customers claiming their bank chargese back now??

 

Don't know what to do, I haven't even got my list of bank charges yet!! If i do close the accounts, will I still be able to persue my unfair bank charges back?

 

Would be so grateful to anyone that can help me!!

 

Best wishes

 

Emma

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Emma, First of all, calm down.

 

Yes they could take you to court. However if they commence proceedings against you, you should write to them saying, that as your accounts are now in dispute with them, they cannot be closed. I would however look around for another bank in the meantime.

 

As for the second part. Even if you close the accounts, you can claim back the penalty charges which were unlawfully taken from you.

 

I think this maybe another tactic to scare people away from claiming back their charges.

 

Hope this has been of help to you

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Section 13.6 of the Banking Code clearly states that you may only pass details of my debts to the credit reference agencies if the debts are not in dispute....so whilst you are taking action they cannot take you to court.

Secondly they have not complied with you initial request....did you send them them the SAR letter? If so, look in the bank templates library and send them the DPA non compliance letter.

You need to get tough...they are using underhand tactics, but thankfully the law is on your side here.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for that Niklowe, aren't banks just the **** of the earth!! Do you have any reason why they would send my £10 cheque back? Do you think they are getting nasty on me because they know that I will getting my bank charges back?

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Hi closely, thanks for your reply.

 

They did send me a letter saying that they will be passing my details onto Experian and Equifax. So, because I've sent the letter requesting the last 6 months statements (yes, I sent the SAR form from the library templates) that means that that I am now in dispute now? And you think it is worth sending them the non-compliance letter do you? Sent my original letter on 3rd Aug and think its gone 40 days now. I'm very worried about these lettes i've received about taking me to court about my overdraft and loan as I don't know, its so out of the blue and I don't know if its linked to what I have started with the SAR letter?

 

Thanks again for your help

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I am sure it is linked. The banks pretty much know that once they receive a SAR letter that customer is taking action against unlawful bank charges. However when they use these tactics people do get scared and back off. Be tough, be strong, arm yourself with knowledge and stand up and fight!

 

Use the link below and send them template three:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

This gives them 7 days comply with your orginal request before you take court action against them.

 

I would also point out in the letter that your account is currently in dispute and under Section 13.6 of the Banking Code they may only pass details of my debts to the credit reference agencies if the debts are not in dispute.

 

I know it may seem a little nerve wracking, but we're here with you every step of the way.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Emma.. I got the same thing a few days ago, i also sent a SAR request around the same time (their 40 days is almost up)

I opened a parachute account before starting this and had my DD's moved also including my NW loan which only had two payments left. All my other DD's left the new account ok and on time except the NW loan. Then a few days ago they sent me two notices of default, which sounds like what you have, threatening court action and to pass my details on to callcredit, equifax and experian.

one for a small loan which they said i had to have to clear my overdraft and the other for the now unused account which is now slightly overdrawn and consists of their charges?!

 

I also was wondering what to do and am not sure if the account is dispute after just requesting this SAR thing?

 

I wish you luck with your claim :) Lisa

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  • 2 weeks later...

Hi again.. Can anyone help as im not sure what to do? I have reicived another letter from Natwest today which says:

 

'We are disappointed to note that you have failed to make contact with us following the issue of Default/Termination notices to you.

As this matter is now serious please telephone us immediately on the number quoted above with your proposals for repayment.

Failure to do so will result in you being unable to operate your accounts. We will also have no alternative but to pass this matter to our recoveries department who will take action to recover the indebtedness outstanding.'

 

Do i have to find a way to pay this? My only income is disability benifits for my two children and the arrears are their charges which get bigger each month.

 

I also sent my SAR to them over forty days ago and then wrote to them again giving them another 7 days.. which was up today.. and nothing!?

 

I am a big wimp and cant talk on telephones, if anyone has any advice i would greatly appreciate it.

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  • 2 weeks later...

Hi guys

 

Having a really hard time getting my charges back as I've been waiting since 3 Aug just to get my list of charges from last 6 years! Sent letter on 3 Aug asking for list, got letter back saying will send as soon as they can. I waited way over the 40 days then sent them the letter saying, right, you got 7 days or else and received a letter back saying will send as soon as they can - again!! Its been 7 days today and no statements. Someone suggested I needed to fill in the N1 form but not sure if its the right form as haven't even got the list yet so can't detail the amount I am wanting to claim back. Is anyone else having such a hard time just getting the list?? It all seems to be getting a bit heavy and I don't really know anything about County Courts, court fees etc.

 

Can anyone help me please?

 

Many thanks

 

Emma

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Emma

 

You may need to sue them for non-compliance under the DPA.

 

Look here for details of this and come back and ask any questions you may have - I also was forced to do this before Nat West complied and sent me any statements.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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I'm sitting here reading all the cases that have been made against Natwest and its so disheartening to me to see that most people have their statements sent pretty much within the 40 day period, why are they being such a git to me??!!! Should I really keep persisting or give up?

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Try not to despair, they are not singling you out for special treatment but are merely incompetent. They did the same to me to and doubtless to many others.

 

It will cost you £30 to file the claim, which you will get back. If you need help filling out the N1 then just ask.

 

Finally, don't give up - that's what they want. I'll help you and so will just about anyone else here.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Right, so, I've printed out the N1 form.

 

For Claimant i put myself.

 

For Defendant I put Natwest.

 

For Brief details of claim I put "Order under Section 7 and Section 15(2) of the Data Protection Act 1998".

 

What do I put for value as I haven't received the statements yet?

 

Which box do I tick for the Human Rights Act 1998? Yes or No?

 

For The Particluars of Claim I put the following substituting the reds bits for my info. (will leave out the distress thing)

 

1. The Defendant is a Data Controller within the meaning of the Data Protection Act and is responsible for the processing of data of which the Claimant is a Subject.

 

2. The Claimant (has/had) an account number (Insert Account Number) ("the Account") with the Defendant which was opened on or around (Insert date) (and closed on or around (Insert date)).

 

3. On (Insert Date) the Claimant sent a Subject Access Request, pursuant to Section 7 of the Data Protection Act 1998 to the Defendant.

 

4. The Defendant has failed to comply.

 

5. By virtue of the Defendant's failure to comply with the Subject Access Request the Claimant has suffered damage (and distress).

 

6. The damage (and distress) caused is:

 

Extra costs incurred in addition to court costs, due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents and seeking legal advice, I estimate this cost to be £...........

 

Add any further things that can be clearly quantifiable, and to which you can provide proof.

 

Please be aware that claims for distress are only available where the distress is caused by the quantifiable damage. You would usually need professional evidence in support. If you are intending to go down this route it is vital you contact us before proceeding.

 

7. The Claimant seeks an order that the Defendant do comply with the Claimant's Subject Access Request

 

8. Under the terms of Section 15(2) of the Data Protection Act 1998, where the Defendant contests that information requested under the Claimant's Subject Access Request is not included within the scope of Section 7 of the Data Protection Act 1998, the Claimant requests that the Court inspects that information, and where it finds that the Defendant's opinion is unfounded, that it orders such information be included within the information supplied to the Claimant under the Subject Access Request.

 

9. Damages and costs within the discretion of the Court.

 

 

Do I need a solicitor?

 

What do I do with the form once I have filled it out? I have read that you need several copies going to this place and that place.

 

Sorry to be so detailed but I really am out of my depth and I'm appreciating all the help that you are giving.

 

Thanks so much again.

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Right, so, I've printed out the N1 form.

 

For Claimant i put myself. Yes

 

For Defendant I put NatWest. Yes

 

For Brief details of claim I put "Order under Section 7 and Section 15(2) of the Data Protection Act 1998". Yes

 

What do I put for value as I haven't received the statements yet? £30

 

Which box do I tick for the Human Rights Act 1998? Yes or No? No

 

For The Particluars of Claim I put the following substituting the reds bits for my info. (will leave out the distress thing)

 

1. The Defendant is a Data Controller within the meaning of the Data Protection Act and is responsible for the processing of data of which the Claimant is a Subject.

 

2. The Claimant (has/had) an account number (Insert Account Number) ("the Account") with the Defendant which was opened on or around (Insert date) (and closed on or around (Insert date)).

 

3. On (Insert Date) the Claimant sent a Subject Access Request, pursuant to Section 7 of the Data Protection Act 1998 to the Defendant.

 

4. The Defendant has failed to comply.

 

5. By virtue of the Defendant's failure to comply with the Subject Access Request the Claimant has suffered damage.

 

6. The damage caused is:

 

Extra costs incurred in addition to court costs, due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents and seeking legal advice, I estimate this cost to be £30 Yes

 

 

7. The Claimant seeks an order that the Defendant do comply with the Claimant's Subject Access Request Yes

 

8. Under the terms of Section 15(2) of the Data Protection Act 1998, where the Defendant contests that information requested under the Claimant's Subject Access Request is not included within the scope of Section 7 of the Data Protection Act 1998, the Claimant requests that the Court inspects that information, and where it finds that the Defendant's opinion is unfounded, that it orders such information be included within the information supplied to the Claimant under the Subject Access Request. Yes

 

9. Damages and costs within the discretion of the Court. Yes

 

 

Do I need a solicitor? No

 

What do I do with the form once I have filled it out? I have read that you need several copies going to this place and that place. Take 3 copies to your local court, they will take two copies and give you the third back, keep this one safe. Also take copies of your original Data Protection Act S.A.R - (Subject Access Request) and 7 day letter and any other letters.

 

Sorry to be so detailed but I really am out of my depth and I'm appreciating all the help that you are giving. Stop apologising

 

Thanks so much again.You are welcome

Any more questions, just ask.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Hi guys

 

Finally received my six years worth of statements this morning, took long enough!!!! Now, i've got the task of putting all my info into this Excel spreadsheet that is mentioned. Is there a guide I can look at as to what I should put on it i.e. can I claim for going overdrawn, bounced DD etc? If anyone can give me any help with the spreadsheet i'd be very grateful.

 

Many thanks - here's to getting a tiny bit closer towards the end!!!

 

EM x

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