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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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Laffar v's Natwest


laffar
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Hi Laffar

I am reading with interest how you are getting on. I have just recieved the letter saying the charges stay - they did offer me £630 compensation even though I have claimed just under £5000.0. I need to let them know I am not going to accept the offer but do you just send a standard letter or a special letter? I feel stuck to this computer at the moment and as you stated it is pretty frightening stuff. I would appreciate your help. Thanks

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Great news!

:p MY POSTS ARE MY OPINION ONLY...IF IN DOUBT TAKE PROPER ADVICE...I'M JUST CLAIMING TOO !

 

NatWest SETTLED IN FULL 25/08/06

Capital One settled in full 12/10/06

LTSB prelim letter sent 25/08/06

LTSB standard prelim response received 02/09/06

LBA sent 15/09/06

DONATE TO THIS SITE BY CLICKING THE LINK AT THE TOP OF THIS PAGE

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Hi Laffar

I am reading with interest how you are getting on. I have just recieved the letter saying the charges stay - they did offer me £630 compensation even though I have claimed just under £5000.0. I need to let them know I am not going to accept the offer but do you just send a standard letter or a special letter? I feel stuck to this computer at the moment and as you stated it is pretty frightening stuff. I would appreciate your help. Thanks

 

 

Have you passed the stage of filing your claim on-line? Or is this before the Letter Before Action?

 

If its after the moneyclaim online stage i wrote the following (but reading back it may be a little aggressive)

 

Dear Sir or Madam:

Claim No: ********

Your Client: National Westminster Plc

I Acknowledge receipt of your letter dated: Whenever

I believe that my claim will not fail in court and will only accept a settlement for the full amount of the claim including interest.

Therefore I am declining your offer of £600.

 

 

I don't think there's a specific template letter to send in response to this, however, the standard reply is to say thanks and you'll accept it as a partial refund but will continue with the claim for the full amount.

 

If their offer was in response to your Prelim letter i would add this to the Letter Before Action ... you don't want to be delaying more than you have to by sending seperate letters. They won't give you the £600 seperately anyway.

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Hi Laffar - Thank you so much for your reply. I have sent a basic breakdown of charges with dates and reasons for charge with the letter stating unjust charges etc. They replied well within the 14 days to say the charges stay. I have done nothing since and that was 2 days ago. I thought now I needed to send the charges with the 8% interest added onto the spreadsheet from the web and another letter? What is the LBA everyone mentions - I cannot find it anywhere. When do I send the online claim? Sorry, I must sound like a right DIV. I think I will send a similar letter as you wrote to say not acceptable although I dont think I am as ard as you. ha ha.

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There is a template somewhere, but, like you, i can't find the template library either ... it's been a while since i've had to dip in there!

 

Anyway, i've found the perfect response for you in the Barclays forum, just fill in the stars.

 

On the subject of interest. The interest you claim at this point is that incurred on any overdraft thats made up of these charges, this is NOT the 8%. The overdraft interest can be calculated by using the spreadsheet vampiress has so kindly made.

 

The 8% is only added at the moneyclaim stage.

 

Hope this is clear

 

 

Dear Sir/Madam

 

Letter Before Action

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £**** plus £*** which you have charged me in overdraft interest for the sum which you have taken. Total £*** to date.

 

With reference to the above, and to your letter dated ****. I wish to thank you for your offer of £**** in respect of bank charges levied over the last *** years on my account. I will be happy to accept this offer as an interim payment (not Full and Final Payment), but wish to inform you that I require the outstanding balance of £**** to be paid within 14 working days.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Yours faithfully,

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Ooooo yes, i'm psychic, got a cheque for the full amount when i got back from my weekend away!! it's a big relief i can tell you, just hope it doesn't burn a hole in my pocket.

 

thanks for everyones support and advice.

 

Congratulations!!!!!!

I am just soooo pleased that you got your cheque as well!!!

Im sorry its taken a little while, I havent been on for a few days, and this is just the best news ever.

its great isnt it?

Lynne

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Thanks Lynne, it's fantastic news isn't it. Now i'm on to Egg, but that case is a little more tricky.

 

Thanks for your help and support

 

Ross

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Thanks Lynne, it's fantastic news isn't it. Now i'm on to Egg, but that case is a little more tricky.

 

Thanks for your help and support

 

Ross

 

Its so adddictive isnt it... Im on Barclaycards case... Ive had a well we will give you the difference between our charges and the OFTs recomendation... onward we go with that one.

 

best of luck with egg

 

Lynne

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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