Jump to content


  • Tweets

  • Posts

    • No they won't send bailiffs. They couldn't do that anyway without a court judgement and they won't bring proceedings against you because they don't have the authority to do so. I think it would help people here who find themselves in a similar position in future if you could post up the letter so we could all see the kind of thing that is written. Make sure you redact it for identifiers such as name and address date reference number. But the rest of it you can post up here very happily. I think it will make people a lot less rattled when they receive these kinds of letters. I can imagine that if you had already seen one of these letters here and we had commented on it you would feel even, about having received it. Finally, if you think that this is a particular problem you have – and you are living in a refuge so you obviously have some difficulties in your life, it might be a good idea to go and talk about it all with your GP. You can be certain that that conversation will be in complete confidence that you will probably feel a lot of relief by having shared the story with someone you can trust.
    • Thank you so much @DX100uk!  you made me feel so much better! Even 2 months on and i still cant forget what happened. I hope it remains a hidden secret and Noone finds out!!  neither would i ever take a single thing without paying.    i had received 2 letters from some people thank god you had told me about them before!! Or i would of had a heart attack again!   will they send bailiffs to the house as threatened?  are they able to? i dont want my mother knowing as its her address they have 😬   thank you again so much.
    • So the problem is not that it has been lost or withheld from delivery subject to payment of an extra charge, it is that despite the fact that it has been delivered they have now come back to you and asked you for extra money for the delivery. This correct? In that case, as my site team colleague above has recommended – simply ignore it. If the problem is more complicated than that then please let us know
    • I suspect that they have other things on their mind
    • Hi folks,   Wanted to submit my defence today. I’ve had a look but I’m struggling to find any templates in the threads. Could someone please point me in the right direction or help me out with what to put for my defence.    Many thanks in advance. 
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

shadrach v's NatWest ***WON***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5062 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

Hi All

I am about to start off on the road to recovering my money...

So I need to get statements for last 6 years.

 

However already slightly confused. Have read about claiming last 6 years as a first stage. seems sensible but the S.A.R. form template doesn't seem to reflect this..or am I wrong.

Do i need to adapt it in any way. It also talks about sending £10 but people on this NatWest forum talk about £5 again do I adapt the S.A.R or should I just send the form to head office as it is with £10 as per the step by step instructions.

 

Good Start!!!!!

 

P.S. Also just changed my account from Advantage Gold to Current Plus. Will this make any difference.

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Hi Shadrach.

 

You don't need to put in dates as you can only claim back up to six years and that is what they will send.

Enclose £10 fee. They will probably send it back to you, but if you don't include it they may well use that as an excuse to delay compliance with your request.

Stick to the step by step guide and stick to your own timetable.

 

Regards, Rooster.

  • Confused 1

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.

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

LOOK! Free CAG Toolbar.

Follow link for more information.

 

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

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Thanks Rooster

 

I'll do just that.

 

Thanks for the quick reply...

 

Regards

Shadrach...

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Well I have sent off my Subject Access Request letter with £10 as suggested. so it's time to sit back and read more threads... I have also, as suggested in the FAQ's, opened a parachute account.

Went for LLoyds.. for no other reason than they are next door to my Nat West branch.. opened a bog standard account and didn't even need to deposit any money...

Just had to sit through the usual chat... Even got offered an account where I could pay £25 per month for service I don't need....

Declined that one....

 

Waiting for statements in antisipation..

Back to reading about all you other guys...and girls.....

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites
  • 1 month later...

Ok here is an update... I sent my Subject Access request off on 22nd Jan 2007 With 40 days allowed as I understand it.. that takes me to sat 3rd march.... 2 days time... I have received statement for one account up to Jan 2000 ( I have requested 2 accounts) within a week...I received ..... usual thing I understand from other strings envelope riped apart then put in a plastic bag by the post office....

I have two days to go before the 40 days are up...

 

Did phone the lady in scotland shortly after receiving my first set of statments ( worried about missing statements, told the ones I have received were PRE and should wait for POST) but I have not been in contact since..

 

What should I do next... and when... Should I ring the Lady back She seemed nice and easy to talk to..... Some people seem to get things very quick others not.... just trying to get it right..

 

Shadrach

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites
  • 2 weeks later...

Well I had to phone scotland again and they said they don't know why the statements had not been sent, but would reorder them. finally got them wed 14th March.... Have trawled through them and found £683 in charges.

I have used the spreadsheets to work out the interest on these charges.

Comes to £93.67 so total claim is £776.67...

I have got the Prelim letter ready and attached the spreadsheet.

Just want to check I have the right address to send it to.

 

Customer Relations Unit

225 Shenley Road

Borehamwood

WD6 1TE

 

PS is there anything I have missed before I send

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Is that the spreadsheet?

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Yes done that thanks Nattie.

I will send it off in the morning recorded delivery !!

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites
  • 3 weeks later...

Well the Bank totally ignored me I sent prelim letter 15 days ago so allowing for delivery that would give them until Monday 2nd April i.e. tomorrow.. I have my LBA ready so if I don’t receive a cheque in the post in the morning I will send that off again recorded delivery.

Just as an aside, has anyone claimed their postage cost back? If so, presumably this can only be done at court stage.!

 

Shadrach

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

I've never thought about the postage costs as part of the claim but I suppose it all adds up.I don't think I would have been brave enough to do it but let's see what other folks think:D

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

Link to post
Share on other sites

I have a thought that in my SAR to the bank, I said that I would claim back the £10 Data Protection Act subject access request fee, if I discovered that they had levied disproportionate penalties against me. Well I have so I’m going to claim that back.. as it is a cost to me. I am also thinking that that cost of sending letters to the bank are a cost that I would not have had, had the bank not charge me this charges in the first place… So to that end they are responsible for these costs and I should be able to claim them back as part of my costs. After all I can prove that this is a genuine cost to me and not some figure that makes me rich… Maybe I should charge for the paper and envelope as well !!! LOL….. But seriously at a £1 a time as you said It all adds up.

 

Shadrach

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

At the time when they do eventually come to settle with you , you can claim up to £9.50 per hour for all the work involved in letters and spreadsheets and getting court bundle together. So long as you are honest about what you are claiming, then you can claim for the work involved in your claim.

 

BTW where meeschac and abednigo.................. lol. Fendy xxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

Link to post
Share on other sites

Wow that’s amazing.

All I want is my expense (and the money they took) but nice to know what is legitimate expense and what is not….

 

 

Fantastic fendy good to have more strings to the bow.!!!!

 

Shadrach

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites
  • 3 weeks later...

well It's gone passed the 14days since my LBA plus a few days extra, thought I would give them more time to reply as it was over the bank holiday.... I know far to kind.. the court may look favorably towards me. Anyway you guessed it no reply totally ignored me.. So I am now about to make a claim on MCOL but before I do a couple of questions. The Banks Name and address is it my branch or head office or what address?

and what do I do about the attaching the schedule of charges or do I have to send this in the post.

Have looked at the N1 form but haven't been on MCOL yet hence my ignorance...

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Use the registered address when filing yur claim.

 

If using the MCOL route you'll have to forward your schedule seperately.

 

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

Yours sincerely,

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

Now that's what I call an answer!!! Nice one Deller!!! xx :D

  • Haha 1

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Link to post
Share on other sites

Thanks for that Deller. As hedgey said great answer....

I am at work now but going to get down to making my claim tonight...

Thanks for your help

By the way fendy I think the other guys are still wandering around in the fire.... LOL

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Well I came home logged on and went to MCOL. First of all couldn’t submit my claim as the particulars of claim was way to long.. used the template. So with a bit more research on the forum I found particulars of claim suitable for MCOL. I.e. short and sweet. However I am going to claim the £10 SAR fee as I said I would in my letter to the bank and also I am going to claim a small amount for stationary and postage. So tomorrow all being well I will go to the court and submit my N1 claim…

I have also used the time to prepare my allocation questionnaire and statement of evidence.. I am going to follow the advise and use the new, Draft Order for Directions. Most of the sections are OK but the statement is the sticking point I have modified the template a fair amount as I have never had any letters from the bank or had a DD or cheque stopped.. They have just charge me £30 to put the words referral charge on my statement. That of course is after charging me £28 for being over my overdraft limit. My claim is for less than £1,500 so I am presuming that I won’t need to pay the £100 AQ fee.

 

Am I right in thinking that I sit back and wait until the court invoke the order request and then send all I have prepared, to both the court and natwest solicitors?

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Exactly, Shadrach . The court will issue directions to you,Time now is your biggest enemy. Be patient and your day of victory will soon arrive. Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

Thanks Parkvale

I was just saying to my wife (and This will be good for others to ponder on) I sometimes get worried about Have I got things Right????? Am I going to loss everything… if I make a mistake… Then I gather myself and say THEY HAVE TAKEN IT ALREADY…………… all I am doing is claiming back what I haven’t got.. If I don’t get it then I have lost little… court cost, stationary that it. I know its mine but until I started this process, (and only because someone else did) they had it… If I get anything back, great, but if I mess up and get nothing, then I am in the same situation as I was before I started… there is no doubt in my mind that if I win I will be donating to this site. ,

It needs to be there for others. The reassuring thing for all is to read all those other threads…

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Shadrach, Just remember.You are legally entitled to claim back what has been taken out of your account. It's as simple as that. So do reassure Mrs Shadrach that you are on the home straight now.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

Thanks And I will do......

The support on this site is second to none

Shadrach

 

S.A.R - (Subject Access Request) sent 22nd Jan 2007

Prilim letter sent asking for £683 + £93.67 interest Total =£776.67

LBA 2nd April

N1 filed 23rd April 8%

Claim settled in FULL £969.93 30th May 2007

Link to post
Share on other sites

Absolutely pleasure Shadrach, :)

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...