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business claim 1992 and onwards


sharpgun
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Hi everyone need some help. going through old stuff in office today only to find old statements for my old bussiness. I found that I paid thousands in fees,£360 in one day (can you believe). Now I have few questions. Firstly the template for bussiness sar request does not refer to pre six years is there a template? secondly the nat west have just ripped me for £20 K (long story) so my way of getting a proportion of this back is by charging C I interest but for some reason the templates I found I dont seem to be able to get into. CAN ANYONE HELP:? :? :?

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Hi sharpgun

 

If you have the statements you don't need to send an SAR. Just modify a template to produce an initial request for payment letter with a suitable list of charges attached. Add interest too if you want although NW will fight that. They will cave in eventually though.

 

Post a draft letter here (with names, account details changed of course) so that others can comment on it before you send it if that would be helpful.

 

Steven

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Best of luck - subscribing

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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LBA when required

 

Please link to template, do no post template on open forum. thank you.

 

hope these 2 posts,keep reading threads to get a full understanding of the next process (filing N1 form) court action

 

 

 

Regards SCOTT

 

 

also read through this thread

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html

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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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just thought i would add up my charges ,and some questions have come out of this.firstly my manager moved to a different branch so the account NUMBER changed does that mean i have to do seperate claims. secondly each account period totaled approx £4k each this did not include the interest they charged me. thirdly in black and white at the bottom of the statement it clearly states i am getting charged 29.5% should i go over my limit. (So they charged 29.5% interest for any anything over the limit £3.50 a day for being over and a fee !!!!!!!!!!!!) does this mean I can charge them the same. 29.5% of 8k qver 15 years i think is a lot of money.

ANY ONE ANY IDEAS:roll:

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Thats the million dollar question. The banks will push you to the very limit over the interest issue, because the rewards for you are huge and the losses for them are also huge. The main points are if you claim interest, claim it from the very beginning.

That way if they make you an offer it gives you manouverability to reject any early offers. The old chestnut still applies. The charges were taken unlawfully from your account and you have a legal right to claim them back. Time wise i would b e tempted to go for the whole lot. The limitations argument is slowly but surely being eroded. Loads of interesting threads. Good luck.

http://www.consumeractiongroup.co.uk/forum/legalities/65306-forget-32-limitations-act-4.html

http://www.consumeractiongroup.co.uk/forum/legalities/11227-limitation-act-1980-lets-5.html

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html#post712882

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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Sharpgun,

Hopefully a link to a useful couple of threads will appear in my signature.

Firstly, a group of us have started a thread to help all those claiming against Business accounts. We've got together to share ideas, methods, views etc .

There are some subtle but VERY important differences regards claiming against Business accounts; mainly the fact that you cannot use Consumer law, (but there is plenty of other legislation, regulation and case law you can use)

I too am claiming on a Business account, and for prior to 6 years, and including Contractual interest.

Yes, the figures involved can look shocking at first...... but remember, this is exactly the same way that they have charged you, and then also gone on to use your money to acquire massive profits from others!!

Do not let the sums appearing deter you, remember that the law is very keen not to allow wrongdoers profit from their acts.

Secondly, in my sig. should also appear a link to another thread regards consolidation loans.

Like many here, you may have been forced at various points to take out consolidation loans, mainly to repay borrowing from the Banks. In many cases, much of the borrowing is in the form of overdrafts that consist of lots of charges. Had you not had the charges in the first instance, you would likely not have been so overdrawn? So, in effect, you've firstly paid interest on the overdraft caused by charges, ...and then gone onto pay interest on a further loan to clear charges that you should never have had in the first place !

Many are wising up to this double blow, taking actions, and have won. So, if this has also been the case for you then join in.

  • Haha 1

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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hi photoman i found a spreadsheet earlier for compound interest laft the computor on went out, and had a power cut. and cannot find it help please it was so good seeing those big numbers i think i put in 210 worth of charges and it had already had totaled up to 12k, theres another 7800 to go whats that gonna come to?

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Try this,

http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

Remember to save it to your computer before working on it !!

(under the page icon on your browser, choose Save)

 

Do your sums and total things up......... but before you go ahead and file your claim, remember to have a good read up on Contractual Interest, and all the arguments and reasonings. It is a lot more complicated than simple statutory interest, so you do need to make sure you know what your doing, why, and how to argue your reasonings with confidence.

Here's some links to read.

 

http://www.consumeractiongroup.co.uk/forum/general/79524-key-arguments-against-compound.html

 

http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html

 

A couple of cases that included CI

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/26172-mindzai-lucid-lloyds-tsb.html

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/20095-glenn-abbey.html

 

 

This is also a very useful post for finding pertty much anything.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

Also, didn't mind, but there is no need to send People PM's if they are already subscribed or contributing to your thread. They will get your question if you just post it. Save PM's just for when an issue is private or sensitive, and you don't wish to post it.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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cant believe this is right have added £500 in fees totaling 22k inc interest my total will be 4 or 500k is this right this is gonna bevery interesting

 

Did you just say £400 to £500 THOUSAND???????????? :eek: Or have I read this wrong???!!! xx :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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yes 400 to 500k i am just guessing that figure but i have put £500 into the ci spreadsheet and i have another 8k to go in.In those days i had a bookeeper doing my books and it was nothing to be 400k overdrawn, so i didnt pay much notice

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It will definately pay you to go over everything wiy a microscope. These will help you udentify your charges and rates. Good luck. http://www.consumeractiongroup.co.uk/forum/natwest-bank/79547-natwest-charges-guide.html

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html.

Also i have my business statements back to 1992. Might be able to help you identify any charges.

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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Were you in your unauthorised rate all the time ? You will also have had an authorised rate. This is the rate that might have changed over the years.

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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Share on other sites

We got round any argument about interest rates on our claim against Nat West by claiming the actual interest charges from the statement whenever the overdraft was less than the total charges so far, which was always after the first year. If the overdraft is greater than the total charges so far, then you just pro rata the actual interest charge.

 

In that way, you are always effectively using the same rate they charged you.

 

Steven

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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sharpgun,

Well if you didn't think of it, no one else could. ;) What exactly are you going for ?

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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