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    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
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Cybergypsy Vs NatWest


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My 14y/o (13 at the time) son got charged somewhere in excess of 100 pounds by natwest in o/d fees last year. I don't have the statements.

 

We'll Ignore for the moment the fact that it's not supposed to be possible to have an O/d on the type of a/c he had and you're also not supposed to be able to setup d/d's on it. They let paypal and other companies set them up.

 

Now does he have to be the person writing to them, taking them to small claims etc or do I have to do this due to his age.

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I would say it is okay for you to write on his behalf, however i am not sure what process is involved thats why i have bumped this up for someone else to have a look at. also have a search around the site to see if someone else has had a similar problem and what course of action they took too.

Ex CAG helper ^_^

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Found one here re underage: http://www.consumeractiongroup.co.uk/forum/natwest-successes/18803-pre-lim-letter-under.html?highlight=underage

 

I remember my sister getting charged when she was under 18 and my mum simply went into the branch and said that it was illegal for them under the Consumer Credit Act to give credit to a child, they promptly refunded her and put an extra £20 in her account.

 

Have you tried to contact anyone re this?

Ex CAG helper ^_^

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Well if it were me i think i would go into branch and ask them to refund as the charges are not simply unlawful but illegal, if they don't seem to want to comply then tell them you'll be in touch via letter to make a claim against them.

Ex CAG helper ^_^

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It's a long story but one that may help. I'll be brief.

 

Natwest allowed my stepson to draw funds - £450 in all - against an uncleared cheque which was subsequently stopped by the payer. Net result is we have a 13 year old with a £450 overdraft.

 

A couple of letters to Natwest after they started threatening him and they conceeded that "we cannot and will not pursue a minor for recovery of the debt" and they wrote off the overdraft and restored his account to a 1p credit balance.

 

If you need me to dig out the exact wording of the letter they sent I can do but a single letter down the CCA route should do it.

 

Paul

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Well if it were me i think i would go into branch and ask them to refund as the charges are not simply unlawful but illegal, if they don't seem to want to comply then tell them you'll be in touch via letter to make a claim against them.

 

Tried that last year when they arose without success so ended up paying them myself and closing the account.

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A couple of letters to Natwest after they started threatening him and they conceeded that "we cannot and will not pursue a minor for recovery of the debt" and they wrote off the overdraft and restored his account to a 1p credit balance.

 

If you need me to dig out the exact wording of the letter they sent I can do but a single letter down the CCA route should do it.

 

Paul

 

I'd be interested definitately.

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It might take me a day or so but I'll find it for you. I know I've got it because I saw it recently while I was looking for something else.

 

I'll get back to you asap

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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here is a lovely gem that no one has had so far. It is called the Minors Contract Act(1987).

LawTeacher.net |

 

Also the banking code clearly states that credit cannot be given to a minor.

Overdrafts are governed by the CCA as well and you have to be 19 for credit to be given. Quite a few things for an instant refund

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here is a lovely gem that no one has had so far. It is called the Minors Contract Act(1987).

LawTeacher.net |

 

Also the banking code clearly states that credit cannot be given to a minor.

Overdrafts are governed by the CCA as well and you have to be 19 for credit to be given. Quite a few things for an instant refund

 

Thanks for the MCA reference.

 

Just read the banking code at The Banking Codes Standards Boards and can't find it mentioning that.

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