Jump to content


  • Tweets

  • Posts

    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Missgiggles v Natwest


missgiggles
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6273 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Everyone

 

I have just joined the site today, and am in the process of getting my head around it all!!

 

I bank with Natwest, I have my own current account as well as a joint account with my partner.

 

Even though my current account has had a £0 overdraft for the past year (I worked my ass off to clear it) there was a period of around 3 years when I was constantly living in it!! Can I claim my charges back from this period?

 

I have recently had a baby so the money will come in handy!!

 

I am going to send my ' statement request' letter via recorded delivery in the morning.

 

Wish me luck

 

:)

Link to post
Share on other sites

  • Replies 52
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well done. Don't forget to ask for 6 years worth of statements, if that is how long you have had an account with the bank.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk...se-read-these/

There are more links below to assist you get around the site.

 

Good luck

Ukaviator

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Posts moved for you into Natwest group

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Can't believe it!! The postmans been this morning with my bank statement and guess what??????????

 

After a whole year of no bank charges I went £2.31 overdrawn and they've charged me £28!!!!!!!!!!!!!!!!!1

 

Where's the justice and more importantly the Christmas sprit!!!!!

 

I'LL SHOW THEM!!!!:-x

Link to post
Share on other sites

I think you'll find Nat West don't know the meaning of the term "Xmas Spirit".

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

  • 2 weeks later...

Well still no reply from Natwest, I'm not expecting one now till the new year.

 

I've been visiting the site everyday, especially that Natwest thread to get inspiration from other members.

 

I'm looking forward to fighting Natwest all the way, and once I win my case I'm gonna start on my mum's!!

 

Merry Christmas everyone!!!

 

:)

Link to post
Share on other sites

  • 2 weeks later...

HI

 

Hope everyone had a good Xmas, I've eaten way too much and spent way way too much in the sales!!!

 

Still no reply from Natwest regarding my statements.

 

Has anyone had to wait the full 40 days?

 

Happy New Year everyone!!

 

:-)

Link to post
Share on other sites

Hi everyone

 

STILL no reply regarding my statement request!!!

 

Their time is up on 20th Jan, should I wait until the full 40 days is up or can I send a

'what the hell are you playing at' letter before then?

 

Thanks

MissGiggles!!:mad:

Link to post
Share on other sites

Try the telephone approach for an update.

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

Link to post
Share on other sites

Thanks ataction

 

I'll give them a ring tomorrow, however why do I get a feeling they would have 'lost' or 'mis-placed' the letter!!

 

:confused:

 

Any luck with the 'phone call approach'?

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

Link to post
Share on other sites

Good. Remember stick to your time frame, if your statements fail to arrive on time, then by all means proceed with the next stage.

Either way keep us posted.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

Link to post
Share on other sites

Came home from work today to find the 'brown, tatty envelope' everyone goes on about!!

 

opened it to find all my bank statements!! YIPPEE

 

Just so I'm sure

 

You add up all the charges for going overdrawn?

And the interest charged on your account?

 

Is that right?

Link to post
Share on other sites

Yes, using one of Vamps spreadsheets. Calculating the interest charged on your account is tricky and prob not worth doing if it's minimal. You can use the contractual interest route which will give you a high return on interest or just go for the basic 8% statutory interest which you dont add on until it reaches court stage.

WON £4000 v NAT WEST

Link to post
Share on other sites

Just extract all the penalty charges, then prepare your analysis on a spreadsheet to calculate the interest. You will be claiming the interest on the charges, which you will add on when you file your legal claim.

 

If you have an authorized overdraft then you have agreed to pay the interest on the OD, and obviously you cannot claim. However if the charges have forced you into unathorized borrowing then you may be able to claim a higher level of interest. (Contractual). Hope this helps, just

ask away if you have anymore queries.

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

Link to post
Share on other sites

Can anyone help me?

 

I have added up all my charges and it comes to £350 (not a lot compared to some people I know, but It's a lot to me!!)

 

Into Primlim letter it says

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

So do I add up all the interest I've been charged on my account every month to?

Link to post
Share on other sites

Hi missgiggles,

 

No, you do not add up all the interest you have been charged monthly on your account.

 

You are not claimimg back the interest charged on your bank account (which you are advised about on your bank statement at the end of every month). You are, infact, claiming back the interest the bank have made from these amounts. If you have gone over your arranged overdraft limit, this interest becomes much higher.

 

The spreadsheets on this forum simplifies this for you.

 

Using the complex spreadsheet, you enter the penalty charged, giving its description and date at which it was applied (A).

You then enter the interest charged to your account (usually at the end of the month) and the date at which it was taken, followed by your account balance and overdraft limit. Depending on whether or not you have gone over this limit, the spreadsheet works out how much interest was accurued as a direct result (B).

 

These are the amounts you enter onto your PRELIM letter.

 

The second part of this spreadsheet (which is only used when you reach the claim stage) works out the confusing 8% part. Which in lamens terms is 8% on the total penalties (A) and then on the total interest (B).

 

The simple spreadsheet works out total penalties charged (A) and the 8% interest on this amount only.

 

Hope this helps and is not too confusing...it was to me at first;)

  • Confused 1

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...