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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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Little advice before I begin


TINY!
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Hi, firstly ARGGGHHHHHHHHHHHHH!!!!!!!!!

 

Ok thats better.

 

For the past 4 weeks I've been trying to get some charges back (£122.26) since it was their fault I went overdrawn. Back in November I phoned them to request my account be taken from an advantage gold account, to a normal current account. I was told I needed to write to my local branch requesting this and there would be no problem. And so I wrote to my local branch.

 

I heard nothing for a few weeks then when I got my statement in January I noticed that my account was still an advantage gold account. So I phoned my local branch and they say they never received any letter, and it probably got forwarded somewhere else, they had no idea where. So the nice girl told me to write again, making the letter to the attention of herself...I did this.

 

Again I hear nothing for a few weeks, so I phone again, they have no evidence that my letter was sent and told me it probably got forwarded somewhere else...they have no idea where.

 

So this time another lady has asked me to wait til the end of the week to see if the cahrges are revoked and if not, I need to write ANOTHER letter addressing it to her and she'll sort it out. But I wont hold my breath.

 

Ok so my question is, should I sort this out, and get these charges back before I find out how much they owe me in total for the past 6 years, or shall I just go full steam ahead and do both? Any advice would be appreciated. Thanks

 

Tiny.

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Guest dwarren

Hi TINY!

 

Welcome to CAG!

You can only make one claim at a time so I would consider going for the full 6 years worth as opposed to 2 seperate claims. This also alleviates the stress of having to go through this twice!

 

Complete a S.A.R - (Subject Access Request) and send to Natwests registered offices (recorded delivery) with a £10 cheque and they will then have to provide you with statements for the last 6 years within 40 days.

 

Remember to read all the FAQs, stick to your deadlines and you will win!

 

Good luck and don't be afraid to ask any questions!

 

Dwarren

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Cheers very much - they **** me off so much I want to punch something :-|

 

I've got a secondary account already so thats all good, I think I'll do one of those letters now to request the money and send it off tomorrow morning.

 

Does it matter that my account is currently overdrawn and I am subsequently being charged every month for this? Its only overdrawn because they're incompentent idiots though. When I requested my account be downgraded, I was in credit. Idiots.

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sorry for the lone dissenter with regards to the recent mishaps since November but i do need to ask a few questions, was the account opened as advantage gold? was the account downgraded within 90 days of converting it/opening it? Has it been downgraded and has a complaint been recorded over the phone? was the call to the branch or general telephony? Need further info before i can tell you a plan of action for the recent charges and advantage gold

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sorry for the lone dissenter with regards to the recent mishaps since November but i do need to ask a few questions, was the account opened as advantage gold? was the account downgraded within 90 days of converting it/opening it? Has it been downgraded and has a complaint been recorded over the phone? was the call to the branch or general telephony? Need further info before i can tell you a plan of action for the recent charges and advantage gold

 

Thanks for the reply Nattie.

 

Ok...Yes it was opened as an advantage gold account some 4 years (ish) ago. The account has now been downgraded, eventually. I asked back in November 2006, phoned the general Natwest then got put through to my local branch, who said I needed to write to them requesting it. Did so, nothing happened. Phoned my branch again and they said they have no record but all correspondance of that type is forwarded elsewhere. Told me to write to them again requesting it, making the letter FAO the Branch manager. The account was then downgraded, but the charges still stood even though I was told the charges would be revoked due to it being their fault back in November (I had little money in the account, and was charged in December for having an Advantage gold account, which subsequently put me overdrawn, then I was charged for being overdrawn!).

 

I havent officially complained - 2 weeks ago I phoned my branch again because even though I asked to be kept informed of if/when my account would be downgraded, I hadnt heard anything. So I phoned them back and they told me the account had been downgraded but they didnt know anything about the charges (it was in the same letter!!). Told me to write to them...again! Making it to the attention of the girl I spoke to, which I did, heard nothing again so phoned back yesterday to find that the girl was on holiday, they had no note on my account of a letter being recieved and that it had probably been forwarded elsewhere. I was then told to wait til Thursday to see if the charges are revoked, if not phoned them back.

 

Is that everything you need? I hope all that made sense! lol

 

Cheers,

 

Tiny.

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Ok, it should have been downgraded when the letter was received and the final charge should have gone out at the end of December. I would complain on this one to Customer Relations Unit because it should have been dealt with better than that. They should refund that bit coz it is bank error.

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I'm normally a lenient kind of guy, I dont get irate at people doing their jobs when its out of their hands, but I'm really beginning to get peeved off with it all. Do you think I'm best trying to sort this problem out and THEN get onto them with all the charges they owe me within the last 4 or so years? Or just go straight into the main charges and included the money they owe me now...if that makes sense? Cheers for the help.

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up to you really but it should have been treated as a complaint and recorded as such. If the charges are higher earlier on then the charges are the main thing and should have a speedier conclusion

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Will do Nattie thanks a lot. Just printed out the letter, wrote a cheque and will be sending it tomorrow morning recorded delivery. So hope to hear back soon, will post back on this thread once I hear something. Cheers again.

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