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carly913031

carly913031 v natwest***WON***

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Hi

 

I have just began my claim. I sent off my letter asking for my charge details and £10 cheque on 26th Feb by recorded delivery and am still waiting for them to arrive, the cheque has not yet been cashed.

 

I am claiming on 3 accounts, my graduate account, my current one and a joint one. Can I claim on all three at the same time?

 

Thanks

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Yes you can claim on all at once


If in doubt read the

FAQs

 

If still in doubt - ask!

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Hi

 

I have just began my claim. I sent off my letter asking for my charge details and £10 cheque on 26th Feb by recorded delivery and am still waiting for them to arrive, the cheque has not yet been cashed.

 

I am claiming on 3 accounts, my graduate account, my current one and a joint one. Can I claim on all three at the same time?

 

Thanks

Hello,

 

I would certaining be giving them a ring and find out why you cheque has not been cashed. Your request may have been lost in the thousand of SAR they are receiving at the moment:lol: Poor things.

 

Once they cash the cheque they cannot deny that they have received your sar and once they cash it they have entered into a legal contract with you to supply you with the information under the DPA:lol:

 

You need to be firm and do this

 

Hope this helps and good luck


If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Once they cash the cheque they cannot deny that they have received your sar and once they cash it they have entered into a legal contract with you to supply you with the information under the DPAlaugh.gif

 

I wouldn't so much say it's a contract to provide the data, more a statutory requirement (which carries more weight) and you'll be pursuing them for non-compliance if they don't meet the statutory time limits.


If in doubt read the

FAQs

 

If still in doubt - ask!

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Hi Carly,

I am about to take 'Natwest' on, Could you let me know where I send the request regarding charges to???:lol:

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Guest NATTIE

Marcuz, the SAR is sent to the address in the natwest contacts section, Goggarburn address.

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Customer Relations Unit

225 Shenley Road

Borehamwood

WD6 1TE

this is the address i sent it to marcuz.

I will phone tomorrow to remind them I'm still waiting, there are so many numbers on the contact pages, am I best to ring Customer Relations department on 0845 6052605?

Thanks for all you help

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I rang Natwest today to enquire about the whereabouts of my statements. They said they had no record of recieving the letter but as I had the proof it was signed for the customer relations unit will contact me in about 48 hours.

 

If they have lost it in the backlog they said they have, do I have to start again or do they still have to comply to the 40 days?

 

Thanks

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Guest NATTIE

no they will have forwarded it onto the Goggarburn address, but they have 40 calender days to comply so that is April. A sar is not just statements it is everything the bank hold on you.

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Hiya Nattie,

could you give me the full postal address (Goggarburn address) as I would write it on the envelope. I know I sound thick!!!

Cheers

marcus

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Guest NATTIE

firstly start a new thread for yourself, top left on the natwest forum and then you will get the address on your thread as we wouldn;t want carly to get upset that you are hijacking her thread, ok?

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I recieved some of my statements yesterday, I got all of the statements for my graduate account in a non ripped jiffy bag! Then in a separate envelope I recieved statements from feb 05 to now for my current account even though it has been open over 6 years, and nothing for my joint account. Also my cheque has not yet been cashed.

Is it common to recieve statements all packaged separately or should I remind them of the rest of my request?

Also I have added up my charges for the graduate account and have just over £1000, would people advise going ahead with that claim or keep all three accounts together?

Thanks!

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Hey carly, if you have all the statements for your graduate account, I personally would suggest going ahead with that claim first. As for the missing statements/cheque not cashed, think it's definitely worthwhile ringing nat west and asking them where your statements are. However, the fact that they've already sent you all your graduate account statements looks to me as though they've just overlooked your cheque(all 3 accounts are covered by the one SAR). They're probably just a little bit snowed under at the moment............. can't imagine why!!!!! ;):D


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I am just filling in the spreadsheet with my charges, but at the top it says 'schedule of claim for charges' what do I put there?

 

Thanks

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Also would you address the prelim to Stuart Higley or just to customer relations??

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Also would you address the prelim to Stuart Higley or just to customer relations??

 

I think straight to the man himself:D


If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Deffo go straight to Mr. Higley Carly!!!!! At the top of your schedule of charges, just put your name, account number and sort code. I know the prelim has all that on anyway, but stops them coming up with excuses later on!!! Don't forget to hide the 8% interest column - you can only claim this back if it gets to the court stage. Good luck, hedgey xxx ;)


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I got a theory on this. Ive been thinking. Even though we cant ask for the 8% at the outset of this process, I always think it looks good to leave the 8% on for later, but only ask for the charges only in the letter, purely so that they can see how much it will be later on if it gets to court stage, i.e. they can then see the extent of how much the interest will add to it later on if they dont settle at Prelim or LBA. Im not advocating do it, but if I was doing it myself over again, I would leave the column in showing the 8% purely so they can see potentially what it might cost them if they dont settle before court. Sort of an incentive for early settlement so to speak. But so long as in your letter you are only asking for repayment of charges. Where can the harm be in that ? Fendy xxxxxxx Just a thought.


NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Never thought of that one honey - maybe we should start advising people to leave it in just for the sheer hell of it!! Might make crap west pay up at prelim instead of lba or court!!!!!!!!! xxx :D :D :D


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Best ask Nattie about this theory I think. Hes the one to give ultra knowing on this subject advice like that. Nattie ???? What ya think ???


NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Ooooooooh........... he might be one-handed again Fend!!!!! :eek: :eek: :eek:


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Aghghghgh Hedgey No. Ive just had my sunday dinner. Lol. Feel a gag coming on, and not of the funny variety, Lol. Fendy xx


NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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You can see it though can't you honey????? ;):lol:;):lol: Hey Nattie - we know what you've been doing!!!!!!! :D


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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I added these paragraphs to my recent prelim letter. Like you say it might frighten them into coughing up.

'We believe that the charges you have levied of £1540 far exceed any true cost to yourself as a result of our breaches and any genuine pre-estimate you could conceivably reach. If you disagree, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put to as a result of our breaches, in order to reassure us that your charges really do reflect your costs.

We really hope that this matter can be resolved amicably and without the need for redress to the courts. Thus we are asking that you refund the charges which have been levied on our account. Plus as we believe we have been unlawfully deprived of the money we have calculated £769.28 interest at the statutory rate of 8%, pursuant to section 69 of the County Court Act. This amount is what we would ask the court to award. As you will be undoubtedly be aware this amount will continue to accrue at the statutory daily rate of 0.021% until judgment or earlier payment.

We therefore ask you reply the full amount of £1540 as full and final settlement.'

  • Haha 1

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Kopite you're a star............ I'm nicking that for my LBA!!! xxx ;)


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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