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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
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jimbob2

Jimbo vs Natwest

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Hi all, long time reader of the forums but have now decided to get my arse into gear and get back my money from Natwest.

 

Received my statements this morning in post (Very quick as well I must say - only sent the SAR on 22nd Dec - but has turned up in an envelope that looks like it went through a shredder, envelope was wide open down one side, nice to see Natwest take my personal information seriously)

 

Anyway, have now sat down and worked out all my charges, came to a grand total of £1936 (Strangely found myself hoping to find loads and loads of charges as I was going through them :p)

 

Now need some help with how much to lodge claim for, from reading through forums I understand 8% interest can only be added when/if goes to court, however is it possible to add on contract rate for either arranged/unarranged borrowing from outset? And if so, bearing in mind my account balance was in overdraft for I would say 90% of the period, which one should I use?

 

Had a shock when I put in the unarranged borrowing APR into the spreadsheet as my claim jumped from £1936 to £6351! - Think I may just stick to the arranged APR to keep under the £5k limit

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I'm not sure what you are using to calculate the interest but it looks rather high to me!

 

As far as I can gather from reading other threads, (I haven't claimed any interest myself) you can only claim the interest on overdraft if it was their charges that made you go overdrawn, this is why I haven't claimed any because my account, like yours 90% of the period was overdrawn anyway. you can however, at court stage, claim the 8% which is what Court say you are entitled to claim for any money that is owed to you.

that is a separate issue altogether.

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I'm not sure what you are using to calculate the interest but it looks rather high to me!

 

 

Well the unarranged APR I have is 29.5% and most of my charges occur at the beginning of the 6 year period which I think is what has caused the large amount of interest.

Thinking I might keep things simple though and just claim for the charges only and then the 8% should it get that far

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You can claim contractual if you wish, search around the site for more info however as stated in the self help material you cannot add interest until you file a claim at court.


Ex CAG helper ^_^

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You can claim contractual if you wish, search around the site for more info however as stated in the self help material you cannot add interest until you file a claim at court.

 

From what I've gathered from reading the site, it's only the 8% that has to be added when/if gets as far as court, my understanding was that if going for contractual interest it has to be included from outset?

Just want to make absolutely sure before firing off prelim letter, does seem to be a lot of information on site, but no definitive answer

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From what I've gathered from reading the site, it's only the 8% that has to be added when/if gets as far as court,

Correct

my understanding was that if going for contractual interest it has to be included from outset?

 

Correct. You cannot claim both contractual and s69 8%, one or the other. However if you claim contractual, in your Particulars of Claim you can claim s69 8% in the alternative ie if the judge rejects your contractual arguement.

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not 100% sure but i think you addcontractual interest at the start of the claim, (if claiming) then you add the s69 8% interest when you file your claim.

i am not claiming contractual interest but filed my claim 2 days ago with the added s.69 8%


:)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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Well i've just got my prelim letter together, used one of the templates so have assumed its fine to get sent off straight away without any amendments (other than my details obviously!).

 

I've had to make-do with the authorised overdraft rate though as the unauthorised rate would push my claim above £5k, handily though I have just noticed that Natwest will be increasing there overdraft rates as of 2nd Jan so will hang fire till then :D.

 

I was amazed how much this contractual interest contributes to amount of claim, more than 100% of the actual cost of charges in my case!

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Just about to get my prelim letter sent off, and then in the post this morning came a letter from them telling me they intend to charge me another £28 at end of January for going over my limit by £1.15 couple of weeks ago.

 

Should I include this in schedule of charges even though it is yet to be charged? Or can I amend the charges I am claiming once they have applied it to account as it will inevitably drag out past this date?

 

Cheers

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Send what you've already done, you can amend the amount you wish to claim right up until the point of submitting your claim through the courts, so you can add this and any other charges later!!


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

 

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Well my prelim letter went off on 8th Jan, just got this reply...

 

Dear Jimbob,

Thank you for your letter dated 8th Jan 2007 regarding charges applied to your account.

We are currently considering your claim and will respond to you as soon as possible.

 

Yours Sincerely

Stuart Higley

 

So my LBA is now printed, signed and ready to go on Monday

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Don't let them dictate the timescales, it your claim so you decide on the deadlines.


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

 

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Yep, too right.

 

It appears that Natwest are a bit bogged down a the moment everybody....aaaahhhh;)


: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

 

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Result!! Got a letter today from Mr Higley to offer a settlement of all my charges I was claiming for, £1980 in total. Only sent my prelim in 2 weeks ago so I think the bank must be getting inundated with these and are just caving in early.

 

I was claiming for contractual interest as well but am more than happy to just accept this settlement with the state my finances are in at moment, will relieve a huge amount of financial worry, and cant really afford to wait the inevitable couple of months to take this right to the wire and get the interest also.

 

Interesting to see on the letter though that they are now making out that these arent actually penalties, but a charge for a service.

 

Anyway, case settled, on to the next one!

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Congratulations, is the interest included?

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Congratulations, is the interest included?

 

No, but I'm more than happy with this settlement, if I could currently afford to delay settling this to hold out for interest I would, but cant so will accept this offer

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No, but I'm more than happy with this settlement, if I could currently afford to delay settling this to hold out for interest I would, but cant so will accept this offer

 

Well good for you. Its so nice to see people getting their cash back.

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Well good for you. Its so nice to see people getting their cash back.

 

Thank you! It is, never thought i'd see something inside of 3 weeks from starting though!:D

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Thank you! It is, never thought i'd see something inside of 3 weeks from starting though!:D

 

From what I've seen, some people do get a offer without including interest pretty quickly, its when we fight for the unjust riches they're accumulating on our monies (interest! amongst other things) that they start to draw it out :mad:

 

Certainly a result, and you should be proud of yourself!:D

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Fab News...well done


NatWest

Data Protection Act Letter - 06/08/2006

Statements rec'd 14/9/2006

Preliminary Letter sent - 27/9/06

LBA - 18/10/06

Claim with Court - 31/10/2006

Got until 14/11/06 to acknowledge.

7/11/06 Received ltr offering full settlement minus

interest + court costs

12/11/06 - Rejection sent

17/11/6006 - Natwest Acknowledged

4/12/06 - Rec'd Natwest Def (Cobbetts)

5/1206 - Rec'd partial offer (Cobbetts)

THE WOOLWICH

Data Protection Act Letter - 06/08/2006

List of charges rec'd - 04/9/2006

Prelimary Letter sent - 06/09/2006

Response - 'fully investigating' - 11/09/2006

Claim with Court - 20/10/06

Acknowledged - 20/10/2006

Defence by 17/11/2006

AQ to be returned - 11/12/2006

Court Date - 14/02/2007

**SETTLED IN FULL**

CAPITAL ONE

**SETTLED IN FULL** 3/11/06

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Result!! Got a letter today from Mr Higley to offer a settlement of all my charges I was claiming for, £1980 in total. Only sent my prelim in 2 weeks ago so I think the bank must be getting inundated with these and are just caving in early.

 

I was claiming for contractual interest as well but am more than happy to just accept this settlement with the state my finances are in at moment, will relieve a huge amount of financial worry, and cant really afford to wait the inevitable couple of months to take this right to the wire and get the interest also.

 

Interesting to see on the letter though that they are now making out that these arent actually penalties, but a charge for a service.

 

Anyway, case settled, on to the next one!

 

Fantastic news, well done.


: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

 

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