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    • No I get what you're saying and that is fair enough if that's the way it is, but the issue is that the Judge has agreed that I part exchanged my car against a new car but then failed to acknowledge that it was a deposit of some form. To trade my car in and get a discount of a new car constitutes as a deposit by legislation. The Judge has conflicted himself and this is where he is misinterpreting the law.  I also shouldn't have had a scrappage discount and a dealership discount together, it says so in their terms and conditions, which in itself makes the agreement improperly executed at the very least.  This may all make more sense when I upload the trial bundle, it's over 160 pages though so taking a while to redact my information 
    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you don't have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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TCB v NatWest


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Hi.

 

Unfortunately time was pressing and I did things the wrong way around. I sent the Preliminary Letter, got the standard response so sent the Letter before Action. I was only asking for my charges over the last 9 months to be refunded. I didn't realise you could go back 6 years.

 

Anyway, I got a letter back yesterday stating that the bank would not refund my charges and the initial offer (paltry) still stood.

 

I have today written back to the Customer Relations dept at NatWest and told them that I was not happy with their response and so I have put my claim on hold while I request details of charges for the last 6 years.

 

I am now, today, sending out the DPA letter for information on charges for the last 6 years.

 

I hope this will be ok and that it will not affect my claim.

 

The last letter I had back from the bank was pretty insistent that they would not refund my charges, even though they knew I was going to make a claim.

 

These charges have caused me a lot of problems, especially over the last 9 months due to circumstances beyond my control. If I get them back I can get myself out of debt.

 

I've read other threads and been impressed with the support everyone has given each other and hope I can receive some of the same. This is quite scary.

 

Thanks for listening (reading).

 

Tony

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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Guest Lueeze

Dont worry, When you get you 6 years, send 1 LBA letter again with the new total, then claim in court!

 

Good Luck

 

Lou x

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Thanks Lou.

 

DPA letter sent by recorded delivery on 25 May to Natwest.

 

I await their response.

 

Good to hear that my doing things the wrong way round will not affect my claim.

 

Tony

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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Had a letter from the famous Mr Higley acknowledging that I was putting my claim on hold while I got hold of details of charges for the last 6 years.

 

In my letter I told Mr Higley that at no time had NatWest ever given me a breakdown of their charges as I had requested.

 

In his reply to me he stated "The bank is under no obligation to explain how its charges are calculated and isn't prepared to enter into any correspondence on the subject. I would just add that the bank is in the process of responding to the OFT statement and further information might become available at that time."

 

How interesting that the bank will not explain their charges. Sounds like they might have something to hide.

 

Has anyone had this comment from the bank before?

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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If they are point blank refusing to say how their charges are calculated then it would look bad in court if they tried to justify their charges were reasonable.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Well, I have it in writing so it doesn't look good for them.

 

I wonder if this admission will be of any use to anyone else using this forum?

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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Am I jinxed?

 

I sent my DPA request recorded delivery on 25 May. Tried to track delivery but kept getting nothing so rang up the Post Office. It appears they may have lost my letter. I can't claim though until 14 June. Apparently I can't find out if my postal order has been cashed until that date either.

 

To make matters worse, good old Nat West lost my salary cheque I delivered to them, by hand. Consequently, they didn't pay some DD's and charged me for the privilege. This time however, the bank did apologise for their error and, after a duplicate cheque had been paid in, paid the DD's. They wrote to me telling me what they had done and hoped that this resolved the matter. Nothing was said about the charges they had made on my account, even though I had requested them back. I guess they think if they ignore the problem them it will go away.

 

Wrong. They had a letter straight back telling them to sort it out.

 

We'll see what happens. In the meantime I have to wait until 14 June to find out if my letter has turned up.

 

Frustrating or what?

 

Tony

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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Just a quick update on my lost cheque saga.

 

I wrote to Natwest telling them I wanted all my penalties back because they lost the cheque I posted to them (in their own letterbox, but out of hours).

 

Natwest have refused to pay back these penalties because, and I quote, "the letterbox is not an authorised depository".

 

I couldn't get angry because I was laughing so much at just how stupid they make themselves sound. So, these charges will be added on to my claim.

 

I will be writing to the bank, again, to find out exactly how I am to pay a cheque in when I cannot get to the bank during opening hours.

 

They really are driving me up the wall.

 

The Royal Mail have lost my first DPA request, including the Postal Order, so I am now claiming against them. I have now posted another DPA request but handed it in to my local branch and told them to deal with it.

 

Ever get the feeling that things are not going your way?

 

Tony

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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  • 1 month later...

Well, my 40 days are up on Monday 24 July so I rang up the bank to find out whats going on.

 

They have my letter and it is "work in progress". Turns out though that they have been inundated with requests for statements. Go figure.

 

They have been warned though that 40 days are up on Monday and it will be reported if I do not have a reply.

 

I'll keep you posted.

 

Tony

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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40 days are up. Nothing received.

 

Letter before Action going in the post tomorrow.

 

They have 7 days to respond. Hopefully they will, just before I go on holiday. Then I can get out my LBA to Mr Higley so I have my reply on my return.

 

Not giving up. I'm gonna get them.

 

Tony

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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  • 2 weeks later...

Well, what a surprise. My first SAR request, which I thought was lost, had actually arrived at Natwest. Thank you Post Office for getting a signature.

 

Natwest have now returned my second postal order as they have already received payment from me. Very kind of them. In their letter they stated that my request is being actioned and that the information should be with me shortly.

 

Not good enough. Especially as they had my original letter back in May. They have been threatened with legal action though.

 

Unless I get anything in the post tomorrow morning I am going to leave it until I return from hols in 2 weeks time. Bit of a pain as I wanted to get my LBA in before I go away so that I can sort out Court papers when I get back.

 

Hey ho. It's gonna take longer but I'll get them.

 

Great to see other threads where people have got their money back. I'm a little concerned about this threat of having one big court action to sort it out once and for all. I'm hoping this doesn't happen before I get back what I am due. Although, with the profits that have been announced by some banks this week I don't think the judges will look too favourably towards them (I hope).

 

Good luck to everyone else with their claims. I'm back in 2 weeks after my hols in the Germany Alps.

 

Tony

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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  • 12 years later...

This topic was closed on 11 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

Original Claim (9 months charges) put on hold. 25/5

Data Protection Act 6 Years Statements request sent 26/5 (Sent recorded, Lost! Claimed from Post Office 14/6)

New DPA handed into local branch 14/6

LBA for DPA sent 26 July

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