Jump to content


  • Tweets

  • Posts

    • @ Aequitas   The one confused seems to be yourself as the OP if you look at this thread and then the other Forum Does Not have a 'LEASE' you need to read both very carefully rather than jump to a conclusion.   Oh and the Law you refer to is nothing to do with this matter.   Let my clarify it for you:   1. The OP has signed an Agreement with Mear Group for the 5 years in which Mear Group have a Home Office Contract to house Asylum Seekers. (This is not a Lease but a Signed Agreement between the Landlord and Mear Group the exact same as a Letting Agent would do)   2.  The Asylum Seekers were then placed in the Landlord Property under an AST which is an Assured Shorthold Tenancy (AST) by Mear Group which are dealing with the OP (landlords) property and as Asylum Seekers can't sign that AST due to their status this is then done by Mear Group that is why under 'Tenant' in that AST it states 'Mear Group'. Again this is not a Lease but an AST.   3. To be clear the OP has 2 Agreements in place at present for this property (a) The 5 year Agreement they Signed with Mear Group who have the Home Office Contract to house Asylum Seeker which is not a Lease. (b) the Assured Shorthold Tenancy Agreement (AST) after Mears Group placed Asylum Seeker into the OPs (Landlords) Property which as the Provider they signed the AST under 'Tenant' as the Asylum Seekers can't due to their status again this is not a Lease.   You seems to be confusing that the AST is for 5 years when the OP has never stated this on either Forum, they pointed out on that other forum in post#27 and I quote:     The above quote is nothing to do with the AST Signed by Mears Group for the Asylum Seekers placed into that property but is in fact to do with the Agreement the OP (Landlord) signed with Mears Group to let/Maintain their Property for 5 Years the same as a Letting Agency would have in place with a Landlord.   The issue here is not the AST or those residing in that property under that AST Agreement but the issue is to do with the 5 year Agreement that the OP signed with Mears Group under the Home Office Contract to let their property and the repairs they carried out to the roof costing £1800 - £1900 which the OP had no knowledge/never gave consent to carry out.   This is why is you fully read my post#36 properly I have asked the OP to post up both the AST & Agreement Signed with Mears Group Redacted to save this confusion as we really need to see both of those and the wording dur to this issue with the roof repairs carried out by Mears Group and that Invoice to the OP ( Landlord) got.
    • Excellent FTMDave your above post helped a lot i will copy the content and will send to HX parking ltd. I downloaded the consent order from Zimbirds thread please see the attachment if its the correct one.Thanks Consent Form (1).pdf
    • Antonio Horta-Osorio was reportedly found to have broken the UK's Covid-19 quarantine rules.View the full article
    • In my experience Smarty's customer service is lousy and although they're owned by Three and claim that they use their network, key features like texting on wifi calling aren't available as they are if you contract directly with Three.      
    • Ones also to consider   Smarty - Three Voxi - Voda    
  • Our picks

RicardoDiaz v Natwest **WON**


RicardoDiaz
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5431 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

Morning Folks

 

New on here but am starting the process. I bank with Natwest and have had lots of charges over the year.

 

I rang the bank asking about who I need to speak to about getting charges they said they could order my statements for a fiver then put me through to someone else who said they will send my details of my charges and refunds free.

 

I am thinking I should write the letter as this might be the bank trying to get me to play their way rather than the way stated in this website.

 

ALSO my cousin is doing the same thing with another bank but they told him he doesn't need his statements and to write to a certain department asking for the charges which he did.

 

AGAIN I am worried this might be a bank tactic for them to try to get you to play their way.

 

Any suggestions?

Link to post
Share on other sites

Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!! :wink:

 

DELLER

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

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

Yes i would say from personal experiance that this is a standard stalling tactic. Personally i would send in a SAR to them but then its up to you. You may have to call them abit and chase up the requests.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Cheers Deller

 

Have done a bit of research and am thinking I am going to write the first Data letter asking for the info. Although they said they will send for free I think I need to follow every step as some of the people who are having difficulty seem not to have followed properly.

Link to post
Share on other sites

Yes so long as you stick to the guidlines you shouldn't incur any problems.

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

Your posts moved into your bank 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

  • 2 weeks later...

Recieved my statments over the Christmas break and was astonished that from jan 2001 to date I have been charged £2,797 in Unarranged borrowing, returned direct debits & card misuse fees.

 

One thing I noticed that within 1 year I think from 2004-2005 they doubled their unarranged borrowing fee from £14 to £28.

 

They also put added this to my advantage gold account fees which made it harder to notice.

 

Natwest have a special department set up called the Customer relations of about 10 people who if you get through to them on the phone sent my statements for free.

 

Am going to send my first letter over the next week.

Link to post
Share on other sites

Guest NATTIE

Please make sure you send the prelim to Customer Relations Unit in Borhamwood as Branches no longer deal with charges letters.

Link to post
Share on other sites

  • 3 weeks later...
Please make sure you send the prelim to Customer Relations Unit in Borhamwood as Branches no longer deal with charges letters.

 

Cheers Sent it to CRU cliaming my charges with interest. Just over £3500.

 

I am about to start the process with my joint account with my wife. Do we both need to sign all the letters?

 

I now need to get my credit Card statements from MBNA, HBOS, & Capital One.

 

This time next year I'll be a millionaire!

Link to post
Share on other sites

If you have a joint account then either one of you can make the claim, only one signature will be required.

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

Quick Question. The dealine for Natwest is Monday 5th Feb for my first letter. I have recieved a letter saying they are looking into it. I am preparing my 2nd letter in preparation for getting no response.

 

The interest I am claiming would go up a little bit every day to I keep changing the interest or use the interest I am claiming in my initial letter.

 

I am thinking if I re open the excel file it will update the interest. If it goes to court I dont want to submit fees that are different if I am not supposed to.

 

Hope that sort of makes sense.

Link to post
Share on other sites

as far as i know you can keep adding charges right up until you file with the courts so would imagine it would be the same with the interest you are claiming

:)I am not an expert at this, any advice i give is from reading posts on this site, its all in here somewhere :)

 

:) If i have helped please click the scales:)

 

NatWest Settled 16th february 2007----£3902.67 All charges, costs and s.69 interest

 

MBNA- S.A.R - (Subject Access Request) sent 25th March 2007

MBNA missed deadline, LBA for SAR sent 8th May 2007

CCA request sent 8th May 2007

Link to post
Share on other sites

Just sent off my 2nd letter (The one before court). They sent me an acknowledgement of my first letter but haven't yet replied. Another 14 days and I will sue them.

 

As it is now feb I have still left in charges from Jan 2001 I assume this is right as I raised the disput within the 6 year period.

Link to post
Share on other sites

Yes that is correct, the six years start from the date you issued them with your preliminary letter.

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

Just rang the Customer Relations Unit and apparently a letter will be out to me by end of the week with an offer for my claimed amount less interest for around £2800.

 

Think I might accept!

 

Wooooohoooooooo!

 

Will make a donation to this site after everythings sorted!

Link to post
Share on other sites

Just rung the CRU again this morning as still no offer letter. Natwests last day to comply is tomorrow before I am supposed to sue them.

 

Been told that I should be recieving my offer letter any day for £2800. Should I sue them or just assume it will come through in the next couple of days.

Link to post
Share on other sites

If it has not arrived by tomorrow state to CRU that unless you have the money in your account you will sue on Wednesday

Link to post
Share on other sites

RIGHT!!!

 

Natwest's time was up yesterday! Have rang CRU again and a letter is coming out to me for my claim less interest.

 

Apparently Natwest have a 3-4 week backlog for looking at peoples claims.

 

Once they devise an offer this gets sent to another department who drafts a letter who also has a 2-3 week backlog.

 

Been assured I would have my offer by Next Wednesday (I think they know that that is when I get paid and dont have any money until then)

 

They said that everyone who writes gives them a deadline, they do their best to keep to it but because of the backlogs it can take longer. If people take their claim further then they just have to live with that!

 

WHAT DO I DO NOW?

 

Do I wait? I can't afford the court until next week.

 

Some peoples claims have been dealt with by Shatwest before even getting to LBA.

Link to post
Share on other sites

Still no letter from Natwest. I get paid on Wednesday so can afford to file my claim to the courts. BUT was wandering the following:

 

if I recieve their letter after filing a claim can I still get the court fee from them?

 

How long does it take once you file before your you get a hearing date?

Link to post
Share on other sites

RECIEVED MY OFFER LETTER FOR £2820 THIS MORNING FOR ALL CHARGES LESS INTEREST. I AM GOING TO ACCEPT. I HAVE WON!!!

 

A few things I have learnt recently to do with Natwest.

 

Whilst other CAG members were getting their settlement letters sooner mine took longer because no money was in my account and coincidently the letter arrived on payday for me. The day I could afford to take them to court.

 

A friend of mine claimed without interest to Natwest at the same time as I claimed with interest. Both of our offers worked out around 80% ish of our total claim. If he claimed with interest he probably would have got what he wanted.

 

Give them an inch they take a mile!!!

Link to post
Share on other sites

Congratulations Ricardo, enjoy the dosh.

  • Haha 1

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

Congratulations!!!!!!!!!!!

 

 

You can pay through paypal press the donate button at the top of the site. Also if you could take the time to fill out the survey. I'll sort your thread title for you.

 

Well done and enjoy!

 

Best wishes

 

Zoot

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...