Jump to content


  • Tweets

  • Posts

    • Residents are being consulted on plans to run overhead power cables 60km across the county.View the full article
    • The number of people out of work compared to jobs on offer mean more are competing for the same roles.View the full article
    • Small boat crossing numbers in last 7 days much more than the planned number to be sent to Rwanda. Small boat arrivals – last 7 days - GOV.UK WWW.GOV.UK These migrants obviously believe that being sent to Rwanda is not a consideration when they are aware of other migrants having died making the English channel crossing. If Rwanda was going to receive thousands of migrants, then it probably would be a deterrent to some. But the threat of sending 300 migrants to Rwanda is just not going to make any difference.
    • Last June, 3.4m members received a £100 payment from the building society. Now they will be wondering whether the offer will be replicated this year.View the full article
    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Natwest charges claim but have £2000 overdraft


FLUFFIES
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6159 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

I hope I can get some advice on this. I want to claim back charges from Natwest but it is my current account and I have a £2000 overdraft on this account at the moment which is to the limit. I am afraid that if I go after these charges Natwest will recall my overdraft and I will be unable to pay it off and be in a worse situation. Please could you advise me on what to do in this situation?

Many thanks

Fluffies

Link to post
Share on other sites

How much are you looking at claiming?

 

I've found that almost my entire overdraft is made up of bank charges!

 

There have been reports of banks closing accounts after a claim, the best thing is to get a parachute account up and running, perhaps you'll be able to arrange the overdraft to be transferred or take our a loan to cover the overdraft.

 

Read http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/58685-do-you-need-parachute.html for ideas of parachute accounts.

 

You need to review the terms of your overdraft to find out exactly what will happen if they demand its repayment. I don't think they can expect immediate repayment, more than likely you'd be expected to do a budget and pay a certain amount per month, you might be able to freeze interest in this case.

Link to post
Share on other sites

Not sure how much I am looking to claim but I know for the last year or so I have been paying a few hundred a month in charges alone - they take their charges out which causes me to go over my limit so they charge me for going over my limit!

I have a basic building society account if they turn nasty but was worried about having to pay back the overdraft in one go or they will threaten court action.

Link to post
Share on other sites

If you can`t afford to pay the o/d back, then you must be quite hard up, so go after your charges, if you don`t you`ll keep getting hit with more and your o/d will keep growing.

They will ask for your o/d to be repaid, they did with me.

 

Get your first letter off to them as soon as possible (read the FAQs to find it.)

 

Then tell them you are disputing the account (they can`t close an account in dispute) and you will attend to the overdraft as soon as the dispute is resolved.

 

After you have your charges back, offer them around £50 a month or what you can afford.

 

They`ll probably turn that down, tell them it`s all you can afford at present

 

They will pass it to their debt collection dept.

 

The debt department will almost certainly accept your offer to repay at £50 a month. Any regular payment is better than nothing as far as they are concerned.

 

They could threaten court action, but any court seeing you are offering regular payments towards your debt would not be interested, especially for only £2000.

 

Hope this helps, remember it`s your money they have.

Won....:D:D:D...£3778.50

Link to post
Share on other sites

Hi

I hope I can get some advice on this. I want to claim back charges from NatWest but it is my current account and I have a £2000 overdraft on this account at the moment which is to the limit. I am afraid that if I go after these charges Natwest will recall my overdraft and I will be unable to pay it off and be in a worse situation. Please could you advise me on what to do in this situation?

Many thanks

Fluffies

 

It sounds like they'll owe you more than you owe them. Go for it, put te account into dispute as mentioned, and get your money back.

BATRacer: Browser-based motor racing simulation. Free to play :)

 

http://batracer.com/-1FrontPage.htm?6q0

 

Advice offered by abo999 is without predjudice and is for your judgement as to whether to take it.

You should seek the assistance or hire of a solicitor or other paid professional if in doubt

 

Halifax: £1299 settled in full, payment received

Link to post
Share on other sites

  • 3 weeks later...

Hi All

I sent my initial DPA request to NATWEST from the templates with my fee and they have sent a letter back saying they acknowledge my request and receipt of the fee and will forward any information that is required under Sec 7 of the DPA as soon as possible.

BUT...

they then have a paragraph headed 'Manual Intervention' and say...

 

"with reference to your request concerning any 'manual intervention' to the administrative charges debited, these charges have been processed in accordance with the terms and conditions of our current aggreement with you as a result of the activity on your account. In the event that you breach the terms and conditions, we will take the appropriate action, contacting customers when appropriate, or handling cuatomer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted on the account".

 

What are they saying??? That I can't claim any charges back because I agreed to them charging me??

Sorry about the length of this but I want to be sure I can still persue this claim.

 

Thanks in advance!

Link to post
Share on other sites

Hi

 

I think that's a bogstandard bit of bumph designed to put people off. I've just had one of those as well but as I've already sent Prelim and LBA doesn't really make much difference. Just shows how behind the times they are......

 

I'm sure someone more knowledgable than me will correct me if I'm wrong, but my advice would be as soon as you get your statements, to get your charges onto the spreadsheet and send the Prelim letter.

 

Don't panic, the money is rightfully yours and as long as you follow CAG tried and trusted method, you will get it back.

 

As for your overdraft, if you get your charges back that will wipe out your overdraft.

We have a £600 agreed o/d which is always up to the limit, as yet they have not asked for it back. Anyway the charges I'm claiming should cancel it out (apart from the holiday spends for next month lol)

 

Wendy

Link to post
Share on other sites

  • 3 weeks later...

Hi

I've had a response to my claim from Natwest stating that they are 'considering my claim and given the work involved in assessing the claim they anticipate they will be in a position to respond within 6-7 weeks'.

Please could you advise whether I wait for their reply or go ahead and issue the LBA after 14 days which is due on Friday?

Many thanks

Link to post
Share on other sites

Hi

I've had a response to my claim from NatWest stating that they are 'considering my claim and given the work involved in assessing the claim they anticipate they will be in a position to respond within 6-7 weeks'.

Please could you advise whether I wait for their reply or go ahead and issue the LBA after 14 days which is due on Friday?

Many thanks

 

Continue with the LBA.

Link to post
Share on other sites

Continue with the LBA as per your timescales. Imagine what the bank would do if they wrote to you threatening court action (some legitimate reason, maybe), and you replied to them saying it'd be 6 to 8 weeks before you could consider a response. Do you think they'd wait?

BATRacer: Browser-based motor racing simulation. Free to play :)

 

http://batracer.com/-1FrontPage.htm?6q0

 

Advice offered by abo999 is without predjudice and is for your judgement as to whether to take it.

You should seek the assistance or hire of a solicitor or other paid professional if in doubt

 

Halifax: £1299 settled in full, payment received

Link to post
Share on other sites

Good point. Many thanks both. Preparing the LBA now for posting on Friday.

 

Assuming I get the charges back from them eventually, are they allowed to pay it into my account to clear the overdraft or do they have to send me a cheque?

 

Thanks again

Link to post
Share on other sites

If they do the same as with me, you'll get a cheque payable to 'FLUFFIES' in a/c 00xxxxxx, so you'll get a cheque, but can only pay it into the account specified. So the bank gets their money back, but at least your overdraft is cleared.

BATRacer: Browser-based motor racing simulation. Free to play :)

 

http://batracer.com/-1FrontPage.htm?6q0

 

Advice offered by abo999 is without predjudice and is for your judgement as to whether to take it.

You should seek the assistance or hire of a solicitor or other paid professional if in doubt

 

Halifax: £1299 settled in full, payment received

Link to post
Share on other sites

  • 2 weeks later...

Hi

I sent the prelim letter to Natwest and they replied with their standard 'it will take 6/7 weeks for us to look into your query...'. I then issued the LBA letter 14 days from the prelim on 16th June.

Please could you tell me what I need to do next and also what my timescales are??

Many thanks

Link to post
Share on other sites

Hi

I sent the prelim letter to NatWest and they replied with their standard 'it will take 6/7 weeks for us to look into your query...'. I then issued the LBA letter 14 days from the prelim on 16th June.

Please could you tell me what I need to do next and also what my timescales are??

Many thanks

 

 

On Monday 2nd July, 2007 you file your claim either online trough MCOL or in person at your local county court using the template letters laid out in the litigation section.

 

Good luck but you should get your first partial letter soon..............:p

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

Link to post
Share on other sites

I'll get that ready now then!

 

What do I do if they send a partial offer in the meantime? Do I go ahead and file my claim anyway or follow another procedure?

 

Thanks again

Link to post
Share on other sites

If they send you a partial offer that doesn't cover the charges you're reclaiming, reject it outright and proceed with the court claim. If they send you an offer for the full amount of charges before you file at court, you should accept this (without conditions) as full and final settlement. However, if they offer to refund all charges after you've filed at court, you'll need to decide whether to accept it or continue in order to recoup the court fee! ;)

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...