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    • Hi  I do apologise as I don't know where to put this question.   My wife is self employed and her business is closed to to Covid 19. She has lost all future bookings  and has no earnings. I am retired with a State Pension. We have applied for Universal Credits which has been granted - payment middle of April , so that's great. We applied for the Small Business Rates Grant - £10,000 to help with business expenses - she intends to open trading again  ASAP, and there are obviously supplier contracts and services that need to be paid for, plus we modernised premises this year ( as we had lots of bookings) and our personal Credit Card debt is approx £9500.   I know we would have to notify Universal Credit about the Grant, but would she still be entitled to U.C payments? The business is hers , so I presume I am still eligible for U.C   Many Thanks thedrunkenmonkey
    • Neighbour who has garden at end of mine (fence to right as they look down their garden but crosses various gardens as I look down from my house) is requesting that I repair a damaged fence as her dog keeps coming into my garden.   Am I responsible to repair it (my part of fence)?    I have looked at various websites but not very clear.   Neighbour said they erected and put up a fence to their left as they look down their garden but stressed that I was accountable for part of fence to the right.   Thank-you for looking at would appreciate any guidance for confirmation.    
    • Are you or do you wish to use the vehicle until we succeed with arguing and you succeed in VT?
    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
    • No it isn't funny, but there have been murmurs on Social media, dfesn't take much for twitterati and FaceBork to go off on one. Some in our area have been on about shooting the Goats in case they spread the virus, people in a panic are unpredictable.
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zulu123

Natwest DSAR slow response taken over 40 days..now what!

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Dear All,

I DSAR'd natwest at Bishopsgate address they have taken over 40 days to reply, what happens now?

 

For credit card info they sent on to another location,

 

For bank account info they sent over info in separate packages.

 

They are saying they can only go back 6 years!!!

 

What are my options I thought they have to reply in 40 days to DSAR's.

I thought for bank accounts they can go back more than 6 years?

Can anyone advise.

 

Thanks

Zul

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There is a failed SAR letter in teh CAG library.

 

In that letter I would give them another 7 days to comply and tell them that you will lodge a formal complaint with the ICO if they do not comply.

 

We know that that banks do hold data beyond six years....it depends how hard you want to push. You can take court action to force compliance if you feel it would be useful.

 

What is the full story or do you have another thread on this Nat West issue already?


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http://www.consumeractiongroup.co.uk/forum/showthread.php?423796-SabreSheep-Vs-Natwest-Moorcroft

 

Natwest supplied all statements going back to 2001!!!!! for my credit card.

 

So yes they certainly DO keep info after 6 years.


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thank you for your replies.

I would like copy bank statements ( old ones ) , when i got into arrears they stopped sending me statements , an so l lost track of what the level of arrears was, it later turned out that one account was cleared in full (an the payments were being used to clear arrears on the other natwest accounts however no one told me this , the DMP co. didnt tell me either.

I just want to ensure I am getting all the data I am entitled to for bank accounts & credit cards am more concerned with bank accounts really.

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My NatWest DSAR produced bank statements back to 1998. The credit card statements were only for the last six years. I have just learned that they actually do have more credit card statements, back to 2001. A suitable letter will be going to the data controller.

 

It took me about 90 days to get all the SAR stuff.


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Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

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So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Keep us posted :)


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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they are so behind with these DSAR's, mine took 6 months. They admitted on the phone that they have a huge backlog.

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Then those that are facing delays need to lodge complaints with ICO when Natwest become obstructive and do not respond in time.

 

If they have a backlog then they have business strucual problems preventing them from regulaion compliance.

 

They need to be told to rectify that. If they can afford multimillion pound bonuses then they can afford the staff and equipment to comply.

 

Additionally if they treated their customers lawfully and fairly the demands might just reduce in number.

 

Complain to the ICO.

 

When I did for them being obstructive all my statements back to 2001 arrived on day 40.

 

See my thread Sabresheep vs Natwest n moorcroft


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Don't forget that failure to comply is also actionable in court if you wish.

 

Have a look at fedupandfightingback's thread when they sued for non compliance and won.


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

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Report to ICO now give dates etc, I did with The HSBC and they admitted in the end to ICO their failings ( albeit got away with it) and stated new system in place to comply with 40 days (ha ha) believe it if ever have to use it again - It even cost me a court case as evidence I needed arrived too late, and low and behold the DJ and regulators did not want to know.


:mad2::-x:jaw::sad:

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