Lisa battling NatWest

[::Lisa::]

Thanks Micky.

 

Don't suppose there is a number I can call for them to confirm this? Don't want to wait around like a lemming for nothing to arrive

[Micky the Hippo]

if Nattie says it then it's gospel as far as I'm concerned.

 

There'll be a sticky with details for NW at the head of this board

 

How many days of the 40 do they have left

[::Lisa::]

Thanks. Just contacted them and lady I spoke to agreed with me that there should be something inside saying letter 1 of X etc. She apologies and said that they have no excuses really. She also said that she would contact the department (OFT dept or something) and said they'll be looking into it and contact me back if need.

 

I reminded her that I would expect a call either way advising me as they have 40 days to comply from the day the letter was received by themselves. She agreed and said they are very busy right now with a lot of 'these' requests

 

As for my 40 day. It's quite far away yet, although never hurts to keep reminding them of that! Which is the reason why I didn't want to wait until the 40th day to see if anymore would of arrived. Preferred to know.

[::Lisa::]

40 days up in 2nd June.

 

NatWest called me back already and you were right, Micky. They are sending 2 batches and said I should receive the 2nd very shortly and if I don't to call them back on same number I call.

 

Which is 02082368007 for my personal reference.

[::Lisa::]

Just a quick question. I'm starting on the spreadsheet now to get a headstart as theres a lot to go through before getting the rest of the statements. I'm only on 1st page and have the following...

 

"Interest Due - Interest 5th Feb-4th March - £3.76"

 

Is this overdraft standard interest which can't be claimed back?

 

How about card misuse fees? Can those be claimed back. They charged me £75 for one

[::Lisa::]

Just a quick question. I'm starting on the spreadsheet now to get a headstart as theres a lot to go through before getting the rest of the statements. I'm only on 1st page and have the following...

 

"Interest Due - Interest 5th Feb-4th March - £3.76"

 

Is this overdraft standard interest which can't be claimed back?

 

How about card misuse fees? Can those be claimed back. They charged me £75 for one

 

Sorry for Q's. This is first claim. At least I'll know what I'm doing when LTSB get my statements sent out

[enaid]

Get your card misuse. they are unlawful

[::Lisa::]

Get your card misuse. they are unlawful

Oh I definitely am *nod*

 

Also, what about the OD Interest? Can I get that back? I'm thinking I can't unless I went over the agreed OD facility. I'm talking about standard overdraft interest.

[::Lisa::]

Also, what the heck is a paid referral fee? It's at £25.

 

EDIT: Nevermind found Nattie's list

[::Lisa::]

Worked out that I have £678 from the period of statements received (22/03/01-01/10/02) This is entirely penalty charges. No interest on there. Not sure if I can claim that back so haven't added.

 

God help what the rest will be for the next 5 years :blush:

[hedgey06]

Hi Lisa, you can claim back the overdraft interest - but only a portion of it! If you download the right interest calculation spreadsheet (depends whether you're on excel or works as well) you can reclaim the portion of interest that's been applied purely because charges made you overdrawn/go over your overdraft. Personally, I didn't bother (went way over my head!!!) but loads of peeps on here have gone for the overdraft interest and got it back! Good luck, hedgey xxx

[bob m]

Hi Lisa, I have attempted to claim a lot further back than you, but if you still have problems in receiving all of the statements you require it may be useful to include the code for accessing pre 2001 that Nattie has posted on my thread. i only received 4years (need 15) there are now 15 days left on DPA SAR, letter to post tomorrow! Good luck, bob m.

[Holdred]

Hi Lisa, I have attempted to claim a lot further back than you, but if you still have problems in receiving all of the statements you require it may be useful to include the code for accessing pre 2001 that Nattie has posted on my thread. i only received 4years (need 15) there are now 15 days left on Data Protection Act S.A.R - (Subject Access Request), letter to post tomorrow! Good luck, bob m.

 

I'd be very interested to know how you're going to claim back >6 years as this is all the DPA will allow you to request

[fendyweather]

Nope sorry funhat. Wrong................... if you read the thread on the forum entitled claiming back over 6 years you will see now how it can be done, with much success............. so always worth going back as far as you can........ Yaaaaaaaaaaay more money to claim. Yaaaaaaaaay xxx

[::Lisa::]

Got remaining statements and got weird A/C charge of just £2.14 and directly above it is an interest charge, so it's not additional interest. It says "charge" on the left also and all interest charges say "interest"

 

Wondering what it is?

[hedgey06]

Not got a clue what that is Lisa - it's a bit baffling! Best advice I can think of is to phone Nat West and ask them to clarify what the charge is - they should be able to identify it, then you can see if it's something you can reclaim or not. Hedgey xxx

[::Lisa::]

OK remaining statements received today and calculated all penalty charges totals £2,235.14! Much more than I imagined actually.

 

Pre-lim letter will go out on Monday recorded delivery. Going to scan all statements that have charges upon them and highlight charges and make copies for my records.

 

I assume for this amount they're going to ride it out to the court stage. Any help on the courts would be appreciated as I have literally NO idea what I'm doing *blush*

[hedgey06]

To be honest Lisa, the amount being claimed doesn't seem to matter whether it goes to court or not. Some peeps have claimed more than you and received payout at LBA, while some have claimed less and yet had to go to court! There isn't any real rhyme or reason to how nat west deal with our claims............ it's a bit 'eeny, meany, miney, mo'!!!!!

 

It won't do any any harm to start reading up on the court stuff now - particularly the stuff that tells you how to fill in the N1 claim form with your particulars of claim (see here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html).

 

Good luck, hedgey xx

[::Lisa::]

Thanks Hedgey

 

Ahh well. I've added it on to the fees I've worked out from past 6 years. If it don't get paid back to me I won't loose any sleep over it

[::Lisa::]

Thanks Hedgey

 

Just finished my pre-lim letter and it's ready to go Monday. I'm quite excited about this now Just spent the evening scanning and highlighting the statements that have charges on them ready for their defence (if it goes that far!) I'll provide all the evidence needed and these thieving gits won't get away with my dosh

 

Couldn't get the spread sheet to print though so had to put it on a webpage and PDF it from there, good enough for me.

 

Woo.. Monday!

[hedgey06]

Yaaaaaaaaaaaaayyyyyyyyyyyyyy........... go get 'em Lisa!!!! Time to get your cash back!!!! xxxxx:p

[::Lisa::]

Just an update to say that pre-lim letter has been sent today 1st class mail. They should get tomorrow hopefully *bites nails*

 

Hopefully *crossing fingers* this claim will settle fast. I really hope so because I can't be arsed for hassle. But on the other hand, if they cause hassle and refuse, I will fight for my money back.

 

Robbing gits took our money when we were at our lowest and now it's time we got it back.

 

For my reference: Tracking number is DH839767325GB

[Parkvale]

Lisa onwards and upwards now. Good luck girl.

[::Lisa::]

It certainly is Parkvale

 

My letter has been delivered today! *gasp*

 

Your item with reference DH839767325GB was delivered from our BOREHAMWOOD Delivery Office on 15/05/07 .

 

Thank you for using this service.

 

So they have 14 days from today, this makes it the 29th May. then LBA goes out whether or not I receive a reply. Well unless they send me a cheque in full before then, but I highly doubt that!!!

[::Lisa::]

Oh and before I foget I used the library template from the pre-lim letter and edited it slightly. I'll post the edited part below...

 

What I require

I calculate that you have taken £2,245.14 which you have charged me in fees alone. I may pursue for additional interest taken from me as a result of your penalty fees causing me to go over my overdraft limit. I enclose a schedule of the charges which I am claiming with this letter.