Bandit v NatWest - The Full Story And Finally**WON**

[kerry8lampard]

Oh yeah, good point about the c.a!! hmm! i'm going to refuse to agree to it with mine - but he's not interviewing me! i didn't do the MP letters etc.

 

Also, as a footnote, did you see on Watchdog tonight? they said at the end that they want to hear from people regarding bank charges!!

[MARTIN3030]

Dont forget Kerry......lots of people are signing the ca not just to end the matter and get the money quicker.........there is an ahem (cough again )....mutual interest between claimant and defendant..........I dont blame anyone for asking for some mutual benefits to sign........in fact these mutual benefits can represent up to 50% of the claim itself......nuff said.......

[kerry8lampard]

That sounds interesting martin.....explain more!

[lauraandchris]

Hi Guys,

I sent my preliminary offer on 18th October and had a very negative response dated 23rd October. i am just about to send my LBA and am scared..... i dont want to have to go to court!

Can anyone offer any advice?

 

Please Help!!!!!!

[MARTIN3030]

I am afraid you will have to be prepared for all options.

However the likelyhood of you having to go to court is very very slim and if you read the threads in the Bag you will see that.

There is the coury buddy system if it does mean you having to go which should mean you wont be alone !

[lauraandchris]

Thanks so much.

I just hate the thought of being alone. I am not shy to complain but the letter they sent was very snotty!

Lets hope I dont need to go to court hey!

[frankie/adrian]

hello i was wondering if you can help, due to a breavement i have fallen behind with my shedule, even more so it all happened when i should have been filing a claim its been about a month can i still just go ahead or should i send another letter to the bank? i gave them 2 weeks before.

sorry to sinle you out i've got confused

thanks

frankie x

[saint-luco]

you've given them more notice than you said, carry on with your claim

[frankie/adrian]

thank you x:D

[Tsia]

Hi there,

I am waiting for my nat west statements from a now closed account in 2002!! ... I sent the first letter and then they lost that.. so I sent another stating they lost the first and then got a reply asking for a fiver cheque to be sent. That was on the 25th Jan. its still not cashed. Grrrrrr

 

How long did your statements take to come through??

 

:-?

[coax_guy]

Hi all,

Can i add my credit card account number aswell as my current account, both are with NatWest bank

I would appreciate any advice, i have downloaded the template and filled it out?

What method of payment should i use for the £10.00 charge?

doing a great job?

coax_guy

P.s. Good luck to all of you!!!

[paddystar561]

Hi there , I am new to this forum. I sent my banks a primilinary letter with my schedule of charges, after 12 days i had a reply,,,, it was written by a customer Care representive, stating due to the nature of the issue they need to forward my concern to the customer relation unit, and that they will contact me within the next ten days.

Is Customer Care Team and CUstomer Relations Unit pretty much the same thing, they do state i can contact them before 10 days with a number provided, but i would prefer to converse by letter.

 

Does this sound like progress ....?

 

Please repspond

Patrick

[bs0lth]

Congratulations T.B. I have not been on here for ages and had a look to see how everyone was doing. I cant believe they took so long, but isnt it great to get that cheque?

 

Lynne

[saffyuk]

I have just filed a small claim for £400 to yourkshire bank.They have acknowledged the court papars but have 28 days to respond .I attached my acc no and sort code with the claim but not my bank statements.I can prove the bank have the copies I sent them as I sent them recorded delivery.Is this ok?I know its not alot of money comapered to others but its alot to me! Lol -Sarahx

[Guest NATTIE]

Ok, guys sounds like a lot of you have been on Money Saving Expert to me, You all need to start you own thread on the relevant bank thread, so bank forum click top left and then new thread. OK? then to return user cp which will list all the threads you have posted on. I only came accross this pages threads as it was quiet and spotted a new name. thank you. You can get help from experts if it is on your own thread and it tells your story

[fendyweather]

OMGoodness, Ive just spent about half an hour reading this entire thread. Im amazed, fired up, laughing like a drain, and also just totally inspired by Mr. Toilet Bandit. What a man. I totally felt his pain throughout the process the Nastywest put him through, but what a guy. Not perturbed, disturbed, or knocked off the path of justice. I havent laughed so much in ages, at some of the posts on here. Was feeling a bit down about the process so far, but this has just completely inspired me to carry on with my own. My own post already started fendy - v- Natwest, so will carry on posting on there with step by step. Just filed MCOL today so will keep everybody posted. In case you do log back into this at any time in the future Mr. Toilet Bandit. I THINK YOU ARE AN AMAZING HUMAN BEING. I cant say well done enough, and I wish you such a happy life. All round good guy I think. Not many of them to the pound. ABSOLUTELY UTTERLY WELL DONE, MY ADMIRATION FOR YOU HOLDS NO BOUNDS. Thanks for the inspiration when mine was flagging a little. I just hope I can hold my nerve with the same dignity you did throughout. I think you should write a book. Your posts were hilarious whilst also being serious. I had tears running down my face at times. Thankyou thankyou thankyou for cheering me up and onward in this fight with the vultures in this world.

[Guest PelhamJamesJnr]

I'm so glad to read this account and victory over Nat West Thank you for allowing me an insight of what is to come i began my fight for justice today. Congrats once again

Yours PelhamJamesJnr

[lsimpson77]

HELP!

 

Hi all, these threads are addictive, have been at work for an hour and not been off this site yet!!

 

Can anyone help? I have been posting on Moneysavingexpert and someone gave me this link for help, what nice people!

 

Well I started my claim back in October and I am still waiting, I received a order of judgement to reply to Cobbets CRP18 which I did and also attached my own further request for information, much the same as everyone else, I gave them until 23rd March to answer and of course have heard ZILCH!! Can anyone suggest what I do next? Do I write to the court, if so what do I say?

 

Fellow claimaints help!

[revolutionary]

Hi all

 

I'm very very new to this and I'm a little wary to say the least.

 

I've sent my letter requesting statement or a draft of charges over the last six years.

 

They are quite clever as I received a mountainous envelope of statements for the last six years and to be honest I'm not sure what I've been charged, but I know I have.

 

My husband and I went into overdraft and they charged us 16.99 percent interest and informed us on our statement that if we exceed a level it will be increased to 29.5% interest.

 

Question: Are they allowed to do this...should I be claiming this back to?

 

Where we have had insufficient funds to pay for a direct debit or cheque does this come under:

D/D - £30.00

 

and is this the figure I should be claiming back?

 

Please help.

[revolutionary]

I have just only read this post from start to finish.

 

Toilet Bandit - you are the citizen smith for the banking fight.

 

Your wit, determination and fighting spirit has instilled me.

 

I have just received, in a broken package delivered by the post office with an apology for 'damaged packaging' 6 years of statements. Not withstanding the potential of ID theft I am now going to check I have all my statements.

 

You have inspired me to fight for my money back of which there is at least £2,000 to fight for. I thought I was brave until I embarked on this little crusade, but I find my nerve going every time I think about it.

 

Your continued posting, your step by step eventful path on the way to your reclaiming what is rightfully yours has inspired me.

 

You truly are a Citizen Smith!!!!

[skylario]

Just out of interest, how long did it take you to get your statements. I'm waiting for mine to come but they haven't cashed my cheque in yet..? Is your bank Natwest?

 

Thanks - enjoy totting up your charges... just think you'll have that money back in a few months!

[revolutionary]

Just out of interest, how long did it take you to get your statements. I'm waiting for mine to come but they haven't cashed my cheque in yet..? Is your bank Natwest?

 

Thanks - enjoy totting up your charges... just think you'll have that money back in a few months!

 

I waited over the 40 days (approximately 50 days from my sending the letter to them) but they arrived in a parcel repackaged by the post office as it was damaged and torn, and they will be getting a similar letter that Citizen (Bandit) Smith wrote, in fact he's so very good I'm going to plagerise his letter!

 

I'll be totting up the charges, including interest as we had no contractual overdraft, they just kept sending us letters saying they were increasing the interest on the charges.

 

I know I'm going to have a fight and yes I'm also apprehensive, but I've got nothing to lose and everything to gain.

 

We are currently working on keeping our costs down, I'll be working full time teaching soon and we should be able to do that.

 

From what I understand, the banks have us all in a psychological loophole. You feel as though whilst they are not rejecting payments and they are charging you, you feel 'phew, at least it's gone through I'll live with the costs'. What we don't realise is that we don't have to live with these costs as they are fundamentally carpetbagging those that are finding managing, cost of living difficult at different times in our lives. They in fact make it more difficult for us.

 

The individual that started the ball rolling on all of this was a very brave individual with a strong sense of right and wrong, as we all are, but that individual stood up and fought, but not in vein, as look as what that person has started here. Just look at these forums....who said the little person hasn't got a leg to stand on????? We have and we should take heart from that...the proof is in these forums.

[lsimpson77]

Teh charges on your statement will read Charge £30 or Paid referral fee, where your statement reads D/D £30.00 this is the amount of the D/D not the charge.

 

Good Luck:)

[rotty56]

HI... Well done toilet bandit. I have just read through your story and my fingers are numb from holding the mouse for so long!! I am a newbie and have never posted a thread but i found your ordeal amazing.

I am just sending my LBA to Natwest and i have not received anything back from them at all...it's like they're ignoring me. My claim is for £529.70 and am dreading the prospect of having to go to court but needs must and all that. Well I just wanted to congratulate you and I hope I have as much tenacity as you do!! WELL DONE!!!

[revolutionary]

Teh charges on your statement will read Charge £30 or Paid referral fee, where your statement reads D/D £30.00 this is the amount of the D/D not the charge.

 

Good Luck:)

 

the £30.00 is the charge for my statement.

 

The direct debits were 181.00 and then it gives you the charge in D/D £30.00 and my account went up in the red £30.00 each time.