Gemz Vs NatWest

[Gemz]

Who are the cheques made payable to in stage one?

[Deller]

If you are refering to cheque for the SAR, then make payable to Nat West Bank plc.

[Gemz]

Yes for the statements, thank you

[Allyxia]

Hello and Welcome

Congratulations for posting in the correct forum, here you will have other “experts” (I see one has already found you)who know how that particular this bank reacts.

 

I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!!

Remember the banks have acted unlawful you haven’t!!!

 

Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!!

 

Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.

 

If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread.

 

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

 

Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!

 

Hope this helps

 

Good Luck

 

[Deller]

Oh I see Ally.....one minute I'm dodgy....the next I'm an expert....make your mind up luv.

 

You can't hide in here either.

[Allyxia]

Stalker!!!

[Gemz]

Thanks Allyxia. Luckily these accounts are pretty much dead. Nothing in and nothing out.

 

We keep 5p or so in each to cost the bank. HA.

 

My NatWest account is already closed, and my charges are only for £68 so I'm hoping they give in quickly. It's a lot of money to me as a student!

[Deller]

Of course it does, every penny counts. Lets hope the cave in early as you say.

[Gemz]

Am sending my first letter, recorded delivery, tomorrow and the two SAR letters for my parent's accounts.

 

Quite looking forward to totting up those charges

[Guest NATTIE]

Please send it to either Customer Relations or Bishopsgate address as the branch will simply forward it onto them anyway.

[Gemz]

Yes I have those addresses.

 

40 days for SAR and 10 for the other right? Wish I could get the signature to show

[Guest NATTIE]

14 straight days on Prelim then 14 straight days on LBA and then it is suing time. And you need to have at least 100 words I think to have the signature showing.

[Gemz]

Got the statements today.

 

Just checking interest can't be claimed unless it's alongside a charge right?

 

Gold account - in 2001 - cost £6 a month and then 14.99% ARRANGED over draft

[Gemz]

From October 2002 the statements are no longer marked as Advantage Gold but there is still a £6 charge every month, is this correct?

[Guest NATTIE]

Gemz- I am still trying to decipher this for you, can you tell me what the charges bit at the end of October/November 2002 say and i will tell you the answer. OK?

[Gemz]

It says for the 31st January 2003 (early ones are Advantage Gold charges I think)

 

Charges "03Jan A/C (account number)" and the charge is £6.00

 

It's the same every month from then on.

[Guest NATTIE]

ok seems fine.

[saint-luco]

they are advantage gold charges you cant claim those

[jodyperry]

hi

 

just to let you know as its a small claim i claimed for y cousin and the claim was for 400 which is still not big and they paid out after the lba it never went to court

[Shazzam]

Hi there Gemz I have some other information for you regarding Advantage Gold charges. There is a sticky which I took this from.

 

As from Oct 2002 The Advantage Gold fee was £6.

From Sept 2003 The Advantage Gold fee was £9.

From July 2005 The Advantage Gold fee was £10.

Finally from June 2006 The Advantage Gold fee was £12.

 

Nat West put charges for Advantage Gold and Unarranged Borrowing together from 31/10/02 so that the amount would appear as one and not too separate figures.

 

This should help distinguish between penalty fees for Unarranged Borrowing which you can claim and Advantage Gold fee which you cannot claim.

 

Good luck and don't give up. :smile:

[saint-luco]

thats what i was looking for

[jodyperry]

hehehe no guarantees but certainly a bit of hope for a shorter easier process

[jodyperry]

hi

 

just to mention as well my boyfriend as just had a payout of 1600 and i did not know about the account fees at the time of sending the letters so put all charges on and they have paid out all of them

[Gemz]

I thought so, thanks. We'd cancelled the Advantage Gold but have no proof in writing so guess we are going to have to let that go.

[Gemz]

Finished totalling today - £149 so better than nothing, not as much as I thought but better than a kick in the teeth