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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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littleangel

Little angel v Natwest ** WON**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4830 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Hello!

 

I'm a newbie on this excellent site and thought I'd chart my progress/success and hopefully will be able to get/give some advice along the way!

 

Sent off first letter on 27 November. Only received statements from 2001-2002 on 29 December. (Was amazed/shocked/embarrassed/angry to work out that just in a 15 month period, I had accrued £1300 in charges!!:shock: )

 

Rang Natwest today and spoke to a really nice guy who said he thought they had sent all statements out, but get the rest sent out immediately today with no charge. He also said I had overpaid £5 for my statements and would refund the £5!!:D Nice start, but we'll see!!

 

So, my journey has just begun but I am in it for the long haul!!

 

Looking forward to this!!

 

:p

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Hi have moved your post into the Natwest bank group seeing as you are on your way to the claim.

You should get help and support here from fellow NW claimants.


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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Recieved all my statements today... totalling a whopping £4321 :-x No wonder I never have any money!

 

So, letter 2 will duly be sent off tomorrow and I will be keeping my fingers crossed!:p

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Don't forget to enter all the details of these charges into one of the spreadsheets, as this will act as your schedule which must be sent with 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

 

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Hi

Recieved letter today from Barclays, they will not forward my info from 2000-2003 other than statments, [i need notification of charges as the breakdown is necessary to calculate thier excess charges. Thier letter says Quote " Unfortunately, due to banks retention of documents policy we are only ableto provide you with a breakdown of charges for the last 3 years" etc etc. I have sent a firm written letter of this site requesting the rest of the info. Is this a new angle or another bull***t blag from this very co-operative bank.

 

help!!!

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Many thanks for that link - it's very helpful.:)

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I have certain items on statements from Nat West where the 'Service Fee' of £6.00 is charged at the end of each month (rising to £9, £10 then £12 over the years) which i'm ok about as it's a fee i agreed with, but then on the same date there's a UNARRGD BORROW FEE of £14.00 (rising to £20 then £28 over the years).

 

Can this UNARRGED BORROW FEE be claimed back?

 

It's further complicated by Nat West appearing to merge these 2 fees together under one banner of 'Charges' on latter statements. Do i just claim the portion less the 'Service Fee' i believe should be charged at that time?


WON £4000 v NAT WEST

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Yes you seem to have this part sussed out RobberBank, this link will help you determine which fees are for the advantage gold subscription.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

 

Also, could you please start your own thread, as this is so littleangel can post her progress. Having your own thread will mean you can do the same. :D


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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Should have mentioned that i was littleangels partner! She does all the spending , i do all the clearing up afterwards.....and the brain dumbing working out and spreadsheeting!:rolleyes:

 

I'd have to add that most of the, erm, 'spending' was made before we were together.........it just needed a firm hand since! :eek:


WON £4000 v NAT WEST

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Contractual Interest.....now i'm confused.

 

Using the link to the Complex-bank-charges-calc1 spreadsheet i'm entering data but it's not making sense (or should i say, i dont understand it!)

 

Question: If i claim at the outset for all the charges plus contractual interest i would be getting a better return than:

 

a) Just claiming the fees and getting no interest (assuming NW pay without a fight).

 

b) Claiming the fees, going to court and getting the stat 8% interest.

 

If so, has this been successful for others?

 

My problem is understanding columns G, H, I and J.

 

G - Interest Date

 

Which date do i enter for a charge for £30 made on 6/6/01?

 

a) The date charge came out of the account (6/6/01)

b) The date the interest was notifed on the account as per the entry "The following charges/Interest for 4/6/01 to 1/7/01 will be applied on 31/7/01". (6/7/01)

c) The date of the end charge period (1/7/01)

d) The date the interest was charged to the account (31/7/01)

 

H - Interest Charged, and I -Account Balance and Interest Rate.

 

As per above charge, on 21/6/01 the statement reads "yr int rate for borrowing up to £200 is 14.99%. Should you exceed........29.9%.

 

The balance on the account on this date was -£380.27 (there were 2 more charges of £105 in the interim period)

 

At the time of the £30 charge, the account balance, after the £30 was taken, was -£163.63.

 

At the time of the interest was notifed on the statement (6/7/01), to be applied on 31/7/01, the balance was +£444.15.

 

At the time the amount was debited from the account (31/7/01) the balance was +£1.37.

 

Which rate do i charge.....14.99% or 29.9%. I'm confused about which level the £30 is being charged at because i'm uncertain about which balance is being used for the calculating of the lower or higher interest rate.

 

J - Interest Free Overdraft

 

I'm assuming this is £0 as there is no interest free overdraft agreement, merely a regular charge for the facility to go overdrawn but be charged an interest rate.

 

 

 

Apologies for the detail, i just want to get it right, and i'm also assuming going for the contractual interest option is the better one.

 

Does this have to be sent to the bank along with letter No.2 requesting a refund of both the charges and the interest?

 

Thanks for your patience in advance.


WON £4000 v NAT WEST

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Prelim letter sent off yesterday claiming £3879 in charges and £7121 in compound interest. Well, it's worth a try!!:p

 

Will keep you all updated on my ...progress!:D:lol:

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Guest NATTIE

Bump- the figure looks a bit high any thoughts guys(sorry littleangel, not an expert on interest but just seems a little too high from my reading of other people's threads). I could be wrong.

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Checked and double checked.......their published unarranged borrowing rate is 29.65% and thats the rate thats been used and compounded. Going over almost 6 years a £30 charge could earn almost £120 in interest alone!


WON £4000 v NAT WEST

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Guest NATTIE

ok I just thought the interest but sounded a bit high. Thanks for clarifying that one RB

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You thought it was high..........you should have seen our faces when we calculated it! It's a big step to take but the swingometer seems to be heading the contractual interest way. We'll keep you posted.


WON £4000 v NAT WEST

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Hello. Just thought I'd update my thread, although it's very dull in comparison to the Cobbett's Slayer's news! :p

 

Got the Mr Higley letter today saying they were looking into my claim - exactly a week after I had sent my prelim..so watch this space!

 

Incidently, I've read a few posts where some people had been given a hard time changing from Advantage Gold to a current account. I went to my local branch yesterday, signed a 'Service Request' saying I wanted to change my account and that was it. All done with in under a minute! So, it can be done without any problems.

 

Anyway, enough of this, I'm off to read the latest installment of the Cobbett Slayer! Who needs reality tv!!!:D

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Guest NATTIE

Do i see the start of a new thread? I think so

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I'VE WON!!!!

 

Just to update on my progress with my claim. Sent LBA off on 24 January, so time was up on 8th Feb. Fully expected to have to file then, but unfortunately RobberBank surprised me with a surprise holiday to Australia!!!:lol: So, didn't have time! So thought I would have to wait until we got back which was fine!!

Got home 25 Feb eagerly expecting some news but there was nothing in the post. I was all set for the long haul, then last Wednesday (28 Feb) I received a letter from Natwest offering the full amount (just under 4k) as a gesture of goodwill! Sent the acceptance off on Thursday - just checked my account and it's all there!!!! :D :D I guess I'm very lucky I had a very painless experience.

Thanks to everyone who helped - youi've been great - a donation will be made!:-)

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I have asked that your thread be moved to the 'successes' forum.

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Congratulations!!!!!!!!

:D :D :D

Don't forget to fill out the survey

Enjoy your payout!!

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Woooooohooooooooooo


WON £4000 v NAT WEST

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