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Stoat v Natwest


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hi relatively new to CAG and using the internet have posted a few threads before but were mostly questions could of got from reading the FAQ's properly, have recently recevied statement from natwest bank on two accounts following posting the SAR data protection letter in CAG librarey, one account totals £469.00 from all of the six years requested, the secound one adds up too £1358.75 but is only from them last four years. this and the earliest two year are missing, these two years were after i finished uni and have probably the highest amount of finning. would be very grateful if anyone could point us in the right direction on what to do? unsure if these two years are in another parcel and are still in the xmas post, or are unattainable due to the closer of the account or natwest have realised what i'm doing and are with holding information to try and put me off and slow up the proccedure?

 

ps hope this makes sense

 

thank stoat

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hi relatively new to CAG and using the internet have posted a few threads before but were mostly questions could of got from reading the FAQ's properly, have recently recevied statement from NatWest bank on two accounts following posting the S.A.R - (Subject Access Request) data protection letter in CAG librarey, one account totals £469.00 from all of the six years requested, the secound one adds up too £1358.75 but is only from them last four years. this and the earliest two year are missing, these two years were after i finished uni and have probably the highest amount of finning. would be very grateful if anyone could point us in the right direction on what to do? unsure if these two years are in another parcel and are still in the xmas post, or are unattainable due to the closer of the account or NatWest have realised what i'm doing and are with holding information to try and put me off and slow up the proccedure?

 

ps hope this makes sense

 

thank stoat

Hi there

If I was you I would prepare everything for the next step which is the initial request for payment and combine the two accounts when submitting the request letter although I would submit two seperate schedule of charges (spreadsheets).

Do not put the amounts on the letter yet give it a few days see if the other two years turn up. If not give them a ring and explain that you have had four years worth of charges information (do not request statements as they will charge you £5-£10 per statements even though this is how they send details of their charges!!) and were wondering if the others had been sent etc... If they still do not arrive then carry on with the process explaining that the amount requested is liable to change but at least then you are in the system so to speak...

Good luck and hope this helps.

Boo

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;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

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

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Hi Stoat.

 

You,ve been registered since October, so you're not a newby any more.

I will get this thread transferred to the Natwest Bank Forum, because that's where you should be now. I'll also get the title changed to...

 

Stoat v Natwest

You said you've received 4years info on one of the accounts, which leaves you 2 years missing, (you can claim back up to six years...beyond that it becomes statute barred). The impression I got from reading your post was that you aare waiting for more than 2 years......I'm confused.

 

If you have sent a DPA SARs letter and included the £10 fee, then they cannot, by law, withhold the information.

They have 40 days to comply with a SARs request.

Are the 40 days up? If not then write to them again, telling them what information they have not sent and point out that they have only > of days left in which to comply (a phrase that I like to use is "the clock is ticking!")

If the 40 days are up then write, pointing out that they have failed to comply with your DPA SARS request and that you will give them 7 days to comply, after which you will escalate the non-compliance into an official complaint to the Data Commissioner's Office and possibly initiate county court proceedings against them for non-compliance.

 

You will find letter template for all of these in the Templates Library.

 

Good luck with your claim.

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Sorry, must disagree......

 

If not give them a ring

Never ring the bank. Keep all your communication with the bank in writing, keeping copies of everything that you send to them and every reply that you receive.

That way you don't have to try to remember what each party said or didn't say.....You've got it all in black and white.

If you ever need to make a point, you can send a photocopy of the relevent letter to support what you're saying.

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If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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hi rooster

 

yep been a member sinse oct but bit of a dylexic ludite, so have been stuggerling with how to do thing with computors. ie simple stuff like send a thread without crashing the site. thanks for reply think i got the gist, the 40 days are not up on the S.A.R. request i sent them, so should seen a letter pointing out that information is missing and the amount of time remaining to comply?

 

sorry to be a pest thanx again

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Yes, just jog their corporate memory and remind them that the time remaining for compliance is dwindling.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

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Ok I have moved your posts into the Natwest bank group.

Here yopu can get more help and share your progress with other NW claimants.

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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.

 

 

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Sorry, must disagree......

 

 

Never ring the bank. Keep all your communication with the bank in writing, keeping copies of everything that you send to them and every reply that you receive.

That way you don't have to try to remember what each party said or didn't say.....You've got it all in black and white.

If you ever need to make a point, you can send a photocopy of the relevent letter to support what you're saying.

Hi Rooster I never ever suggest phoning either as you will see from all of my previous posts and advice given etc.. but as Stoat had received most of the Statements I just felt that it was a quicker way of gaining some information as to whether or not they had in fact sent the actual statements in question! I also suggested that Stoat continue with the process - apologies if that was the wrong advice!

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

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

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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For clarification the site does not endorse any contact by telephone that could put the claimant in an awkward position,however speaking to an advisor to make enquiries about statements or receipt of letters is often viewed as harmless.

I think site policy refers to specific lines of communication especially bank management and corporate litigation people.

In general Its probably fair to say that phone advisors will not try and talk you out of your claim,in fact to the contrary,very often they show very limited knowledge of the procedures themselves !!

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.

 

 

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Yes, just jog their corporate memory and remind them that the time remaining for compliance is dwindling.

 

hi rooster, or any one else out there

 

sorry to be pain again, just afew querries. orginaly posted my S.A.R - (Subject Access Request) request without a signiture, got a letter stating that they wouldn't realise info without signiture, so sent of another SAR with signiture. is it best to start 40 days from the secound SAR with signiture or can i start it from orginal date of first SAR? other thing is i haven't set up a parachute account yet so is it good idea to sort that out first before sending reminder letter?

 

:confused: ps have i sent this in the right place, reed something about only keeping one theard per case

 

thanx n happy new year stoat

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Guest NATTIE

I would contact SAR people by phone the number is in the NatWest contacts list stating that you got the first 4 years but not the 2 years and I will guess October 4th, 2002 and prior to that. I have a gut feeling how the error was made although it is a bit odd.

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well i guess some of us have to a bit dopey to make the clever people look smart. re-read some stuff and realised it has something to do with systems change over oct 2nd 2002. just found it wierd that thatsent SAR for 2 natwest accounts and one had all 6 years and the other had only 4

 

cheers stoat

 

ps i try not too be so stupid in future

 

pps no promeses;)

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Please help.I filled out and paid court fees on the 7th december and the deadline was yesterday but the banks soliciter sent me a letter today.with lots of long words.Is states in the letter that they have filed a response.1 the defence is filed and served without prejudice to the right of and/or to strike out the particulars of claim.2. without prejudice to the non-admission set out in the foregoing paragraph,if and to the extent that the claimant proves the allegation that the defendant debited charges to his bank account,insofar as such charges were debited on a date or dates more than six years prior to the issue of this claim,and remedy in respect of the same,whether damages,restitution or otherwise,is barred by the operation of the limitation act 1980 and/or the doctorine of laches and the defendant will apply to strike out this aspect of the claim and/or for summary judgment.3 The defendant is embarrased by the lack of particularity pleaded in the particulars of claim fail to disclose reasonable grounds for bringing a claim against the defendant .in particular.3.1 The particulars of claim set out no facts indicating what the claim is about,are incoherent and do not disclose any legal reconisable claim against the defendant.4 The defendant invites the claimant to remedy the above.In the event that the claimant fails to do so within 14 days of the service of the defence then the defendant will apply to the court for an order striking out the particulars of claim.Please please help.

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  • 1 month later...

hi have been a bit lacks in sortin this out but have been workin away from home and have just moved house. bout ready to send of my prelim letter but am a bit confused by the shedule of charges, is this just the amount you have been charge over the six year period? or a list of each charge and the date it was incurred? had a look in the FAQ and couldn't see anythink about this, takes me a long time to read and not sure if i've missed something or am just being a bit thick. any help in clearin this prob much appreaseated.

 

stoat

 

ps intersted to know if anyone after they've won a court case has claimed for costs, ie money spent at inter net cafe, books on how the courts etc. sorry if thats a stupid question stoat.:!:

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hi stoat the schedule of charges is a list of charges, dates and ammounts, i have heard that that vampiress spreadsheets are being re-vamped at the moment, but i found this earlier Please help for an old lady click on the link and it will bring up a post from bill-k about other spreadsheets that can be used instead,

hope that helps

 

lee

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:)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

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  • 1 month later...

just about finish my schedule of charges, was havin a bit of probs with spread sheet as usual and the whole things taken me a bit of time to sort out, due to a number of things, mostly my own stupidity and not havin my own computor. cause its take me such a long time to sort out, i've only got shedule upto oct 06 have moved house resently and don,t have statements for some of my resent charges. would anyone know if it is best to sent of the schedule i've got and still get back later finds

 

any help greatful slow bo stoat:)

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chirst! have been checking stuff before sendin of preliminry letter and shedule and have raelised i've not accounted for advantige gold charges, i have flittered around from havin one and not and statements order don't specify the account so am havin trouble were to deduct this from

 

ie do the dates of changes for unarranged borrow fee respect taht of the changes in advantige gold charges

 

adv gold £6 - unarg b fee £14 end aug 2003

 

adv gold £9 - unarg b fee £20 end sept 2003

 

avd gold £10 - unarg b fee £28 end july 2005

please help

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