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Bump v Crapwest


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Hello all,

 

So, 40 days and five follow-up calls after sending my SAR, waiting on the doormat for me there's a - yes - tatty brown envelope ripped in two that has had to be put in a Royal Mail plastic bag with my statements spilling out all over the place. And a year is missing. :x Whether they send them out incomplete deliberately then tear the envelope, or they tear it and hope some spill out, I don't know. I find it hard to believe that a bank can be so petty and devious. It's the sort of thing I'd expect from a fly-by-night loanshark perhaps, but a 'respectable' corporation? I thought my contempt for this firm could sink no lower, but they have exceeded my lowest expectations.

 

Anyway, as the statements aren't there as requested I shall be complaining. I happen to have the ones that they left out so it's full steam ahead anyway - eat that Crapwest! :lol:

 

I was going to just reclaim 6 years but now am determined to get everything back, which means that I'll be starting the whole process off again for my earlier statements.

 

Watch this space...

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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One quick question - obviously I'm going to demand the one year of statements that were missing, but as I'm now wanting to go back about a year further shall I ask for these at the same time? Or will that muck up my 40-day timeline? It might make sense to split them this way anyway as adding the earlier charges will take the claim well over the 5k limit for small claims. But then again full disclosure would be good. Decisions, decisions ... any ideas?

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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MrBump,

I split my claims into seperate claims, but that was to stop me going into multi track. I personally would crack on with this claim. Then after you have retrieved your other statements, persue the rest. If the second claim is quite small, they may pay you out after your prelim letter. Finally they may lump both claims together any way. Your choice :confused: .

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Guest peed orf

Nat West changed computers in 2002 so if the missing statements are from before then, they will follow. You shold get info going back beyond the 6 years if it's the same account [unless you stated 6 years].

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Right, I've run into a slight problem with calculating interest on the spreadsheet. My account used to be a student/graduate account, so had a £50 interest free overdraft facility, I think. Natwest say that student accounts aren't charged interest at all, but I imagine that if I went above the £50 limit I would have been charged unauthorised rates. Is this correct? One for Nattie perhaps? Thanks in advance...

 

I've asked Natwest to simply tell me what the interest free amount on my account has been since opening, i.e. how it has changed, but they say they can't tell me. This is rather hard to believe. I don't want to get my figures wrong and give the bank something to work with in court, but i also don't want to let them keep my money!

 

Also, looking for an answer to this on the website, I noticed the following:

 

All accounts: fees for specialist services Stopping payment instructions (e.g. cheque*) £10

Interesting that an actual service that presumably requires manual intervention costs less than a similar action (i.e. bouncing a cheque) that is automated...

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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Guest NATTIE

Interest on student accounts, 0 up to £1250 and on grad account usually 3 years after graduation is interest free on amounts up to £2000 year 1 £1000 Year 2 and £500 year 3. Depends at what level your overdraft at the time. If you want to argue on a stop cheque i am willing and able to do so, your choice on that last bit.

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Thanks for the figures Nattie - I don't think I had any overdraft, so I'll progress on this assumption. I don't want a fight! The cheque-stopping fee seemed pertinent. Perhaps it isn't - I don't have the insider info!

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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The pre-2002 statements arrived on Friday ... full speed ahead now. Prelim goes off tomorrow.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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Go for it Mr. Bump - time to get your cash back!!! Best of luck, hedgey xxx ;)

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

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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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Thanks Hedgey. Has everyone seen this?:

 

29 March 2007

In response to consumer concerns over bank current account charges, the OFT has today announced an in-depth study of retail bank pricing. This will sit alongside a formal investigation into the fairness of bank current account charges. Full details of the study will be announced in late April, and it is expected to be completed by the end of the year.

This study follows an initial review carried out by the OFT into these charges. The finding of this initial review is that the OFT shares the public concern about the level and incidence of bank current account charges, but it recognises that the application of the general principles it set out in 2006 to the banking industry is not straightforward and that a more detailed examination is needed.

The decision to undertake a study reflects the OFT's desire to take a strategic approach to the examination of the fairness of these charges in the wider context of competition in the UK retail banking sector.

John Fingleton, OFT Chief Executive said: 'The UK retail banking market performs well in many dimensions, especially relative to international norms. However, the issue of bank current account charges is a matter of real concern to the banks' customers, and raises wider questions about competition and transparency of pricing. The initial scoping work we have undertaken has demonstrated to us that this is not only an issue for those people who are being charged, but also for customers who are not defaulting on their bank accounts.

'A quick-fix solution is not the answer as this might be of limited long-term benefit and could have unintended and far-reaching consequences across the whole sector and on consumers as a whole. We will look forward to co-operation from the banking sector in reaching a conclusion to this matter which is satisfactory to consumers and which will strengthen competition, efficiency and customer outcomes in the UK retail banking sector.'

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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No response to prelim yet ... LBA goes off after the hols. Happy Easter all. :)

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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Happy Easter Mr. Bump................... nearly there now, fingers crossed for a 'goodwill payment' at the end of LBA stage! xxx :p

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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  • 3 weeks later...

Well, finally Crapwest break their silence - a letter from the venerable Mr Higley saying he's looking into my claim. Unfortunately however, my LBA deadline is Monday. He'd better work quick, cos I'm heading to the court next week. Here comes the PAIN!! :D

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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