Squarepeg v NatWest

[squarepeg]

Hi guys.

 

silly question feom me before i even begin. I am printing out my SAR letter this morning and just need to know if I have to leave in the copyright line at the bottom of the template or do I remove it. Could someone please advise.

 

Many thanks

SP

[Guest dwarren]

Hi SqaurePeg

 

The template I used didn't appear to have a copyright line in it. All S.A.R - (Subject Access Request)'s say pretty much the same thing so I can't imagine anyone is going to be particularly upset at you using their template and removing the copyright notice.

 

See the FAQ section and Bank templates section

[cheddar]

Leave out the copyright bit

[squarepeg]

Thankyou both for your replies. SAR sent recorded delivery today.

 

SP

[squarepeg]

ok - S.A.R. - (Subject Acces Request) is delivered. NatWest have until the 18th March to comply.

 

(wonder if I will get 20 years worth of statements! - doubt it)

 

still waiting for Payplan to tell me if I can go for Lloyds & others - no reply to my emails.

 

Paperwork arrived for parachute bank account.

 

It begins.

 

SP

[Guest NATTIE]

Good Luck

[squarepeg]

just a little update

 

had a reply from Payplan giving me two letter templates to approach the bank for replayment of charges, so I take it that they do not object to me going after Lloyds ( i will have questions about this claim later, but I will start a new thread in the Lloyds section).

[squarepeg]

Had my standard reply from NatWest today with the usual 'manual intervention' rubbish in. It was acknowledged by Lorraine Cassidy, Senior Compliance Maanager.

 

Just need my statements now.

 

SP

[squarepeg]

Well after NatWest letter of yesterday, ny statements turned up his morning (wrapped in plastic by the PO and a sticky label to say 'sorry your post is damaged') and I have spent the last three hours going through them and adding the charges to the spreadsheet. I have decided that i will be claiming contractural interest at Natwest rate of 29.65%

 

Just a quick question - on the spreadsheet it has a column for 'estimated overdrawn balance during period of interest' would that figure be for the date that nat west specify - the statement says

 

31 jan - interest 01 jan a/c xxxxxxxx 0.32

 

do i work out the average overdrawn amount for the month or for the previous month or just use the figure at 31 jan when the charge was applied. Sometimes when the charge is applied the account is in credit.

 

any help please?

 

with interest i will be claiming £4286.87 and rising (haven't checked my account today). that amount is from july 03 to feb 07. If only I could get my hands on the statments before 01 because from 01 to o3 the account was dormant it was actually opened in around 1987 and there is a shed load of charges before 01, but hey, that may be another battle for another time.

 

Now if LLoyds bank would only respond to my S.A.R - (Subject Access Request) (subject access request) as quickly as Nat west.

 

SP

[squarepeg]

good evening everyone

 

I have been trawling thorugh the website in search of a template for a prelim letter claiming the contactural interest, all i can find is a paragraph to add to the basic template in the template library, although I have seen mentioned that there were plans to have a specific template for those wanting to claim the contractural interest.

 

Does anyone have any idea of where I can find the template please? or should i just go ahead and amend the one that is already there?

 

Any help gratefully received - want to get this right from the very beginning.

 

thanks

 

SP

[squarepeg]

another question-

 

I did not get anything mentioning manual intervention with my six years worth of statements - do i assume that there wasn't any.

 

Also, I had statements back to 2001, the account was opened in around 1987, maybe earlier, should i expect to get some form of data from then that would now be on fiche being as the Data Protection Subject Access Request states 'for my banking history with your organisation' - should I be chasing them for the complete data? I know that there were charges prior to 2001.

 

So many questions:)

 

SP

[Guest NATTIE]

squarepeg- I'm still watching this thread and keeping my eye on the thread, SAR should have provided not only statements but all data on your account

[squarepeg]

Thanks for the reply Nattie.

 

Hmmm.. just re-read the letter that came on Tuesday.

 

it begins

 

'Thankyou for requesting copy statements held by the bank'

'Any information that is required to be provided to you under Section 7 of the Data Protection Act will be forwarded to you at the above address as soon as possible'

 

Should I be phoning Lorraine Cassidy to find out if I can expect more info and if she says 'no' - how should i respond? There is still a month before the 40 days is up (March 17th) - should I insist on the information from the beginning.?

 

Thanks

SP:)

[squarepeg]

hello everyone

 

i think i am about ready to get my prelim printed.

 

I am going for contractual interest from th beginning but could not find a template for claiming so i have taken extracts from other threads and rehashed the section that states my claim

 

Could someone please advise if this is ok?

 

What I require

I calculate that you have taken £xxxx.xx plus £x.xx which you have charged me in overdraft interest for the sum which you have taken. Total £xxxx.xx. I also claim interest at a rate of 29.65% AER as set out in the attached list of charges. I believe this rate to be justified under the principle of mutuality and reciprocity, and is based on your Unauthorised Overdraft interest rate that would be applied under the terms of the above mentioned account. Therefore the total amount owed as of today’s date is £xxxx.xxp

 

These, and any other charges you apply to this account subsequent to receipt of this letter will be added to the claim along with any interest they incur.

.

I enclose a schedule of the charges which I am claiming with this letter.

 

I have really been unsure of what i am doing today, I want to get it right, knowing my luck I will be the first to actually have to go to court.

 

If the above paragraph is not OK - could someone please help with the wording.

 

thanks

SP:)

[squarepeg]

anyone? please?

 

SP

[phill123]

sounds good to me . good luck:D

[squarepeg]

Thanks Phill123:)

[bobandsuzzi]

you need to get ths ok'd by a mod or site helper

dont rush in on the advice of one new member [no ofence phill]

more help, less mistakes

there are better letters on here, but they arent stickys, and i cant remember where i saw them

Bob

 

if yu cant get help then reply to your post with a 'bump'

[squarepeg]

Thanks bobandsuzzi - hopefully one will be along shortly to advise.

 

I have also drafted a letter to try and get the rest of my info prior to 6 years and need an opinion on whether it is ok

 

"" Thankyou for sending statements dated from 2001 to the present time. Firstly I would like to comment on the nature of packing for them. Royal Mail had to repack my mail in a plastic covering because of inadequate packing by your office. This is frankly, not good enough, and more care should be taken to protect a persons personal and private documents.

 

Secondly, my Subject Access Request is not complete. I draw your attention the first three paragraphs of my original letter, specifically the text highlighted in red -

 

“Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

Then theres the paragraph about manual intervention. Then there's -

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.”

 

Under the Data protection Act 1998 Subject Access Request, I believe I am entitled to all information as requested. That is, from the time the account was opened which I believe to be approximately xx years ago.

 

The time limit for compliance is as stated in my original letter, the forty days elapses on the xxxxxx 2007. I respectfully ask that you comply with my request within the timescale given.

 

Yours sincerely

 

 

 

Squarepeg""

 

 

 

Any comments or alternate wording would be welcome - especially from mods or site helpers

 

 

 

thanks

sp:)

[Guest NATTIE]

as phil said, seems fine to me.

[bobandsuzzi]

have a look here

 

http://www.consumeractiongroup.co.uk/forum/general/60534-beyond-6-years.html

[bobandsuzzi]

look here

 

http://www.consumeractiongroup.co.uk/forum/general/60534-beyond-6-years.html[url=http://http://www.consumeractiongroup.co.uk/forum/general/60534-beyond-6-years.html][/url]

[squarepeg]

Thank's for that but I can't get those links to work.

[bobandsuzzi]

sorry squ, try them now

Bob

[squarepeg]

thanks - interesting thread.

 

At the moment I will only be claiming six years worth of unlawful charges with contractual interest.

 

But I do want NatWest to comply with the S.A.R. and give me ALL the info to which I believe I am legally entitled, and that means 20 years worth and not just the six I have got.

 

It will be interesting to see how they respond to my request, I will post the result on here.

 

sq