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    • I'm not sure what help you need.  Also I don't think anyone is blaming you - they're simply asking for more information and clarity from you in order to try to assist.  (Difficult for you if English is not your first language).   As I understand it, the staff at the gate did offer you a refund but because you were not entirely satisfied with their attitude there was an "exchange of views" and you got escorted off the station without the refund.  Correct?   I'd simply write to the TOC's customer service people and ask for a refund.  Explain everything simply and in chronological order including what type of ticket you did or did not buy (you could perhaps use my post #27 as an outline but leave out my question about why the ticket office could not refund you).  I don't know what you say about being escorted off the station - perhaps that there was confusion because English is not your first language and the gate staff must have believed you were being too confrontational?  I don't know...   I would not complain about the gate staff and I would not raise the issue of how many other people this may happen to.   Just concentrate on getting the refund
    • You have clearly had a lot of difficulties in your life and this has caused many problems. however in order for us to assist you, we're going to need a proper bullet point chonology. I'm very sorry but there is too much narrative here and although I can see that it is very important you personally. It is very unhelpful in trying to understand the story. please could you set it out again but this time avoid the narrative. We simply can't handle it    
    • The revenue protection officer worked for a train operating company.  If you know which Train company it is, go to their website and look for their complaints process.  Then submit the complaint with full details and copies of the tickets.     
    • Why aren't you recording your calls?   Please monitor this thread for a fuller reply over the weekend    
    • Why I went back:   Eventually, after being detained too long against my will. I paid the higher fare due to threats of a fine and in effort to gain my right to freedom: I then went through the turn-styles and on my visit to the booking/box office(aka: the main ticket booth on the way out) The man said I had to go back to the turn-styles to get my refund as he said it was a different system.   I asked him to come with me. He said he could not, i asked him to hold my hand. (English term of phrase). I did not want him to actually hold my hand.   He understood that and refused as he was on shift.    That is why I had to go back. I made an account here to seek help for me and other passengers. The site admin of this forum constantly tried to pass blame onto me. for many days. I cant explain how stressful this has been after the stress of the incident.   Can you please help me?                
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paul26may

Nat West debt

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I have recently had 5 claims against RBS/Nat West upheld thanks to a CMC.

 

 

One of them is for £9400 but Nat West have informed me (by text message) that they have paid the money into my Nat West current account.

 

This account was frozen in around 2003 after I deposited £10,000 into it (at Nat West's insistence) following a remortgage.

The reason for this was as I recall to offset against a loan that I had defaulted on (balance at the time unknown but obviously £10k+). At the same time I cleared an overdraft of approximately £5k.

 

For a while I received statements for this account but then they stopped.

Shoosmiths chased me for the outstanding loan for a few years on their behalf.

I have heard nothing for about 4 years or more.

 

I rang the Nat West today and all they could tell me was that the balance of my current account is now £8400.

When I asked where the difference between what I deposited (£10k) and today's balance had gone they had literally no idea!

 

My questions are:

 

1. Do they have the right to offset when for the past 13 years they have held £10k in an account that I have not been able to access? Should those funds not have been immediately applied to the outstanding loan?

 

2. If the Nat West acted unfairly can they be brought to task over our subsequent repossession in 2008. A small proportion of the £10k that they were holding could have easily prevented us from losing our home at the time.

 

I have long been of the opinion that Nat West were indeed acting unfairly and this latest escapade and their subsequent apparent incompetence in not being able to supply me with accurate information about my accounts just smacks of a shoddy and couldn't be bothered attitude.

 

Granted the first port of call is a complaint to Nat West but I am reluctant to escalate to the FOS because of their toothlessness!

 

Any advice would be most welcome.

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I recently posted a question about several PPI refunds that I have had upheld with RBS and a related question regarding a loan and a frozen bank account. Despite over 275 views I have unfortunately not had any replies and now need to 'escalate' this to a solicitor or such. Can anyone recommend a suitable/reputable firm?

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no paul we don't do that

not allowed.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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It's difficult to know where to go then with my problem. I guess it's a complaint to Nat West followed by the FOS?

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IMHO yes

official complaint time

but don't waffle!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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