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    • @Manxman in exilethank you for your input its very appreciated yes I've limited time will see what I'm dealing with when I get back 
    • If you are flying away tomorrow (or rather this) morning I'd just forget about complaining to the police now.  As BF said earlier it's probably just a waste of your time anyway so I wouldn't worry about it.  Forget it for now.  Have a safe flight and concentrate on your other thread against Aviva.
    • I'm afraid you won't get a complaint drafted before tomorrow morning - and I think most others here think it would be a waste of time anyway and that the police decision won't change.  I would ask for a review and make a complaint on principle, but I suspect you are better off concentrating your effort on your other thread and direct complaint against Aviva.   Unless you are out of the country for an extended period I'd wait until your return before considering futrther whwther to complain about the police.   [ By the way, just so that you don't mislead yourself as it's a mistake many people make, ALL agreements are "verbal" in that they are composed of words.  Some agreements are in writing and others are oral, spoken or vocal.  The law recognises oral or spoken agreements just as much as ones that are written down.  The only practical difference is that oral agreements can be difficult to prove in a dispute]
    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   [Apologies for the italic typeface/font - it's the above link causing it.  The italics should have stopped at the end of the third para above ending ' ... criminal conduct'.  I can't change it.  Very annoying]
    • @Manxman in exile I eloped to get with my husband si my husband and siblings never sat together in the same room .   Hes claiming a verbal agreement was made but a verbal agreement doesn't hold any water in the eyes of the law..no agreement was made I was in Leeds with my toddler.    He has made use of the policy , had the luxury of the insurance and reversed the money back and now Aviva are coming after me.   You've summed it up well is there anyone in the group that can help me draft the complaint to the police as I'm flying out first thing tomorrow and my head is all over the place.   My husband me Mr z , my late father and eldest brother were at this meeting supposedly when the verbal agreement was made but yet the officer took a statement off the eldest brother and didn't take it off the husband and based the final decision on the eldest brothers statement and Mr Z and all other evidence which is in written form has been completely dismissed    I'm fighting it all alone coming from an Asian background I am getting taunts and salt is bring rubbed on my wounds its not been a pleasant experience yo say the least trying to prove my innocence and having to listen to the b******* being spouted out by everyone whilst Mr Z is walking away not guilty 
  • Our picks

thereshope! v natwest ****WON****


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Hi all,

Not very good at this . Just previewed my first thread on this forum and it seems to have disappeared ?

 

Anyway,just wanted to tell you all that I have written out my S.A.R - (Subject Access Request) ,enclosed the chq and am now waiting for the post office to open monday morning so I can send it recorded:D

 

Im going to see how it goes with NatWest,and if all goes well,then I shall follow suit with the rest !

 

Thought I'd start with NatWest as they were the first of the banks to go for a charging order.Then I'm trying 1st credit.mbna and quite a few others.My worry is tho,what if the banks that I currently pay instalments to (through my DMP with the CCCS) get uppity and take revenge by applying for charging orders ?

 

Must admit that I am worried by all this.

 

Still considering Bankruptcy. My O/H did in april 04 and has never looked back.

 

I'll keep you all posted as to how it goes with NatWest

 

Cheers and bye for now xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Set the ball in motion and sent off my cheque and S.A.R - (Subject Access Request).

 

According to mail tracking ,NatWest have received my letter and signed for it.

 

40 day countdown begins ....:D

 

 

 

I'll keep eveyone informed of my progress !

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Welcome to the CAG and good Luck. When you have your statements any queries on charges I am sure to be able to help. Make sure you read around the CAG in the meantime to prepare yourself for the fight ahead. Good Luck

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  • 2 weeks later...

IS ANYONE IN THE SAME POSISTION AS ME ?

Hi .

Natwest have a charging order on my home for £19500.

A large portion of this debt is made up of charges and interest that has been added on over the past 2 yrs to a loan and o/d.

I've had a quick look at my statements today and the charges add up to about £3800 not incl interest.,just on my current account.

I was just wondering if anyone else is in the same situation as me ,really,and if they are,does it make any difference to reclaiming your charges ?

My loan was basically forced on me when my current account was in a bad way and my lending manager said that it was the only way to get my o/d down. My OH had just been declared Bankrupt and I didnt know what to do.So I consolidated my debt on the advise of the lending manager.

I have a DMP through CCCS but my debt is going UP because of all the charges that Natwest are adding on.I wasnt aware that they could continue to add charges on once a charging order had been agreed.

If anyone has any answers ,please can you post here or pm me ?

Thanks in advance.

There's Hope.

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Anyone ?

 

Please ?:confused:

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Hi cheddar,

I have looked around the site and cant find anyone in the same boat as me.

Maybe i'm not looking in the right place.Not very good with posting in right place/checking as bit of a newbie ?

 

How pathetic do I sound ?. Sorry.

 

I havent mentioned anything to CCCS about going for my reclaim because not sure what they can do ?

They didnt really manage to advise me when Natwest informed me that thay were applying for charging order.

They just said that here wasnt anything I could really do .Just said to ensure that I never miss a payment because Natwest can apply for an order of sale.

 

Feel like giving up before ive even started which must sound really sad to you. Ive read your thread and you did fantasic,and im really happy for you. It must take huge amounts of determination to see it through.

 

Sorry for sounding sorry for myself ! Just been on mse site aswell looking for answers and feel a bit alone and despondant.

 

Had a reply back from OP re claiming interest back on what ive been charged on unarranged o/d(took me over my o/d limit because of charges snowballing) and they say it will be too complicated to sort out .The interest is over £1000 on that alone .

 

Any tips cheddar ? Maybe just talking to you will bring me good luck lol

Thanks

Mac

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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;) Hi thereshope,

 

Your right it does sound sad , but not in a pathetic way, more like a person who is stuggling to keep their head above the water. But you really must.

 

Like you I am fairly new to this and I am also finding the whole process confusing :confused: and the advice that I can give you may not relate to your 'request' but more about your despair. You are at your wits end and can give in, but guess what, thats what they want.

 

You need to start taking back the power which you (and me!!) have allowed banks etc to take. In the words of Bob Marley, "free your self from mental slavery, cos none but yourself can free your mind" and while I getting all lyrical I will also add "...get up stand up, stand up for your rights". Remember there is hope, thereshope!!! :p

  • Haha 1

4th Dec 2006 : Posted S.A.R - (Subject Access Request) :o

18th Dec 2006 ; Received Statements :)

28th Dec 2006 ; Posted prelim letter (£3351.00) :rolleyes:

11th Jan 2007 : Reply, still investigating :x

16th Jan 2007 : Posted LBA (£3331.00/£556.00) :-(

31st Jan 2007 : Bank make offer of £3331.00 :D

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Hi siilymove and Karnevil,

Thanks guys.

 

Really good of you to take time to post.

It makes a huge amount of difference just knowing that i've got support from peeps like you.Thankyou again.

 

OK. Sleeves rolled up and ready to start the good fight...

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Hi all.

 

 

OMG.!!!!:grin:

 

Scrap what I have been waffling and stessing over. No charging order !!!!!!!!

 

sorry for the misinformation Karnevil. Nice but a little dim,me !

 

 

I have just got off the phone to CCCS who advised me to contact the court that was dealing with my case ,basically to find out what stage im at.

 

Big big shock ! Natwest/shoosmiths did have a CCJ found against me,then applied for a charging order in April ,and were refused !!

 

I dont know a lot about judicial system but think this is a positive thing ?

Am I right in thinking that as long as I pay my monthly instalment theres not a lot that they can do ?

 

The thing that annoys me though,is that the amount owed is going up because of charges. Is it worth asking Natwest to stop interest being added so that I might actually begin to make a dent in what I originally owed them ? Or will they laugh at me ?

 

What do I do now then ? Who do I contact re CCJ amount being unfair as quite a portion of the debt is down to interest and charges being added on ?

 

Im also waiting for a hearing date for 1st Credit . They have an Interim order on me and are waiting to slap the final order on.

Again,the balance has snowballed due to late/missed payment charges on MBNA cc.They are claiming £3782 + stat int .I have been paying a monthly instalment through CCCS ,never missed one,but they arent happy with the amount I pay.Think i should open a new thread in 1st credit forum to see if anyone at the same place im at ?

 

Sorry ,went off Natwest topic a bit there !

 

Right,im off to have a look at some other threads to see if I can get any info.

 

Bye for now

C xxx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Do detect someone with renewed fire in there belly hahaha:lol:

 

God to see you back with the programme.

4th Dec 2006 : Posted S.A.R - (Subject Access Request) :o

18th Dec 2006 ; Received Statements :)

28th Dec 2006 ; Posted prelim letter (£3351.00) :rolleyes:

11th Jan 2007 : Reply, still investigating :x

16th Jan 2007 : Posted LBA (£3331.00/£556.00) :-(

31st Jan 2007 : Bank make offer of £3331.00 :D

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One thing at a time. Don't panic, lets concentrate on the NatWest issue initially.

I would ask for a moratorium on the interest ( I doubt they will grant it but worth a try) on the basis that you are reclaiming erroneously applied charges to your account, which puts the account in to dispute. Until such time as this issue is resolved the extent of the debt cannot be agreed, therefore no practical proposal for debt repayment can be made. The priority is resolve the situation and establish a realistic repayment programme.

Hope this helps

  • Haha 1

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

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Do detect someone with renewed fire in there belly hahaha:lol:

 

God to see you back with the programme.

 

Yay !!! :lol: :lol: :lol:

 

 

Back and here to stay !!

 

 

 

Thanks Sillymove. Your post was just what the doctor ordered.:grin:

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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One thing at a time. Don't panic, lets concentrate on the NatWest issue initially.

I would ask for a moratorium on the interest ( I doubt they will grant it but worth a try) on the basis that you are reclaiming erroneously applied charges to your account, which puts the account in to dispute. Until such time as this issue is resolved the extent of the debt cannot be agreed, therefore no practical proposal for debt repayment can be made. The priority is resolve the situation and establish a realistic repayment programme.

Hope this helps

 

Thanks Ataction,

 

Your'e right.One step at a time.

 

Should I phone,email or write to Natwest ?

 

Is there a template for what I am asking for (bit of a layperson when it comes to things like this !)

 

Last question. To whom do I speak/send my request to, lending centre Telford , Manchester or other ?

 

Thanks

 

C

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Hi all,

 

Back from checking out other threads.

 

Not sure i'm totally right on this but here goes...

 

judgement was made against me in Feb 06 for £19000 + court costs. I have been paying £25 pm since then.

 

I read on another thread that once ccj made, interest charges cease to be added on.

 

Can anyone confirm or deny the validity of this

Thanks in advance

C

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Hi all .Just posting with an update !

 

Been in contact with Nw today re interest charges still accruing.

 

It seems that someone has made a boo-boo !

 

Been advised by NW that Shoosmiths should have really been in contact re the charges still being added.

 

Advised that all charges to be frozen with immediate effect and that Shoosmiths are being contacted on my behalf to get the interest (that has been added on since judgement date in Feb )removed:)

 

Advised that once account had CCJ status, all interest should cease to be added.

 

The least they can do considering i'm in this mess because of all the penalties they slapped on.

 

The guy in credit management services was puzzled as to how I had got the statement info "as we havent sent any statements".

Had to explain that I had asked for SAR,which appeared to puzzle him further as there was no record of my request logged.

Once again a case of the right hand not knowing what the left was doing...:confused:

 

Anyway to his credit he was very helpful,but wanted to know why I had requested Sar. As soon as I mentioned the words 'disproportinate charges'

he said he had to read a couple of paragraphs from 'the findings of the july report'

 

Anyway ,he basically tried to tell me that NW didnt agree to the findings so sorry, you cant have your money back !

 

I actually laughed at him at this point and told him to pull the other one cos it had bells on it !!

 

I also mentioned that I was a member of the CAG . Funnily enough he had heard of us !

 

He tried again to convince me that no one had had any charges back as NW didnt agree with the findings and that if I sent a letter asking for the money it would be refused.

 

I said "yes ,im sure it will. But I fully expect that so I will have my LBA ready and waiting to be sent off !.I intend to take this all the way."

 

He didnt really say much after that and transfered me to someone more relevant in my SAR inquiry !

 

Basically I have been told to write in again and request ALL diary notes as this hasnt been actioned yet .

Spoke to the head of the sar team who was very pleasant and helpful and told me to write to him personally and he would get the documents out to me within the week.

 

He said something strange during conversation.

It went along the lines of " oh, the SAR letter that you sent. Was it one of those ones off the internet that everyones sending in ?" . I replied that yes it was possible. He went on to say that he had about 10 on his desk that had arrived that day and that he didnt feel that they were very good in explaining exactly what was required ! Bl***y cheek !!

 

SO ,lets see what tomorrow brings !

 

Hopefully a call from Shoosmiths reducing my balance.

 

Not sure whether I should just get on with prelim and spreadsheet(still not sure whether to try for contractual interest ?) or wait for rest of SAR info ?

Descisions ,descisions lol !!

 

Any thoughts ?

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Just a word of warning concerning telephone conversations with the bank. They are best avoided, however the substance of your conversation is very significant in this case. So log the details of the conversation, the time and date and with whom the conversation took place (always ask for the name and their position, if you ask their date of birth and mother's maiden, it always lightens the tone, and amuses me no end!!!). Summarize and confirm the relevant points in a letter and send recorded delivery.

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

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Sound advice ataction.

 

Going to note everything of importance that was said.

 

I did manage to find out that they had all my diary notes from 1992 onwards because the CS read extracts to me relating to charges for bounced chqs etc.

 

I may even consider tacking my claim back to the beginning....

 

Think I need to read up on statute of limitation first though as im not sure how far to go with this.

 

Thanks for the advice

Hope

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Hi thereshope how are things coming along?

4th Dec 2006 : Posted S.A.R - (Subject Access Request) :o

18th Dec 2006 ; Received Statements :)

28th Dec 2006 ; Posted prelim letter (£3351.00) :rolleyes:

11th Jan 2007 : Reply, still investigating :x

16th Jan 2007 : Posted LBA (£3331.00/£556.00) :-(

31st Jan 2007 : Bank make offer of £3331.00 :D

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Hi thereshope how are things coming along?

 

Hey:)

 

I've been hanging out in the contractual interest thread for a week or so !

 

Been getting lots of help from Bill K and co !

 

I wasn't sure if I was entitled to claim contractual/compound interest because my o/d is over its agreed limit because of interest and charges,if you know what I mean !

 

Anyway, i'm going to give it a try for the full NW unauthorised rate of 29.6%.

 

So,I have done a spready and i'm getting on with pre-lim today.

Looks like it will have to be fastrack instead of small claims as the amount i'm claiming back is £7093.05. SCARY!!! :D

 

IF anyone knows of a pre-lim letter claiming contractual interest ( dont think there is a template ) I'd appreciate if you'd let me know.

 

Thanks guys !

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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ahai 'Thereshope!' Yes I am in a similair position, I owe Natwest over £20,000 made up of loan and o/d (original loan £13,500 taken out in March 2004 to consolidate an existing loan and o/d of £1000, I paid £357 a month for 18 months then was made redundant so couldnt pay). They are now taking me to court. I am defending my and am at the AQ stage, I have requested statements but Natwest are delaying in sending them to me. I want to show the court that the differnce bewtween £20,000 and £13,500 has been made up of unfair charges etc.

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Hey Mike1106:)

 

Yeah. They sure are quick with the court hearings to get a CCJ or Charging Order !

 

NW applied for CO but thankfully they were turned down.

 

Have you contacted CCCS ?

 

They have been great.If you havent already, try to get a debt management plan in place.

 

NW sent my statements within a week, but I havent received anything else covered by a S.A.R - (Subject Access Request) as yet.

 

I contacted customer services at credit management services Telford re outstanding data and spoke to the manager who was very helpful.He told me to write in again and he would deal with my SAR personally and by return. Maybe worth a try ?

 

Is Shoosmiths involved yet ?

 

IF you need any help/advice ( what little I know lol ! ) please pm or post here.

 

Good luck

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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you've pm Mike.

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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