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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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quest v natwest


quest1
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hi, i have just joined the community after months of reading on here and thought i would say hi to you all after finallly getting the guts to start everything off. i am a nat west current account holder and have just received my s a r. there are many charges on there that i have highlighted so i'm now back on here now swatting up on the next thing to do. i believe this is downloading the spreadsheet that work everything out for me and sending it with the prelim letter leaving off the 8% interest.

 

the statements show the following types of charges and i would appreciate your comments on which i should include and which spreadsheet to use (the easiest, i'm not very hi - tech!)

 

- fee - unarranged borrowing fee £14

- charges - referral charge - £25

- charges - service fee

- interest persnl ln interest

- charges - unpaid items - £30

 

- interest due - interest - various amounts

- charges - various amounts these 2 are always together on the statements

 

throughout the 6 years i was sometimes an ad gold customer sometimes not

looking forward to your comments and thoughts and hoping that you don't think i'm lazy asking so many questions but want to get it right and can think of no ne better to ask than you guys

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Guest NATTIE

top two yes and bottom one yes. There are two guides on charges in the sticky section, have a look at them and if you are still not sure post on here and i will confirm what is claimable. Welcome to the natwest section.

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thanks nattie i will have a look at that. feel very nervous about the whole thing, don't want to do anything wrong and mess everything up, shall look at spreadsheets tonight.

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  • 2 weeks later...

hello every1, really need to know which spreadsheet is best to use to send with my prelim, any advice greatly received.

also, i know that i have to send my prelim letter to customer relations at Borehamwood, but does anyone know the full address?

getting nervy now, hope to send it off on monday, (excited but scared)

thanks guys

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some more help needed please regarding excel advanced, it asks:-

the start date of the period covered in claim - is this the date of my first charge? and is the end date the date of my last charge i am claiming for?

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Short and sweet answer for you.................... yes!!!! xxxx :p

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Hi again quest.......... try here http://www.consumeractiongroup.co.uk/forum/natwest-bank/74934-natwest-contact-information.html you want the Borehamwood address! xxx :p

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Natwest Customer Relations

225 Shenley Road

Borehamwood

WD6 1BR

 

 

Don't forget to attach copy of your spreadsheet and send it recorded delivery so you can track it online. And if you've used the spreadsheet with the 8% interest, hide this column before you print it off.

 

Good luck

 

Wendy

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Thank You Wendy.

I Have Struck Another Hurdle, I Wonder If Anyone Could Help Me? This Spreadsheet (excel Advanced) Looks Ok Until You Start It Then I Question Whether Or Not I'm Doing It Right At Evry Point! (just Scared - Bare With Me!)

Am I Right In Thinking :-

1. I Only Hide The Last 2 Columns (which Are The Interest Free Overdraft And Interest On Penalties)?

2. All Other Columns Must Be Completed?

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Just had a look at that spreadsheet and it looks a bit complicated to me! I used the Simple Exel which was pretty straightforward.

 

Am sure someone will advise what the difference is and the pros and cons of one versus the other.

 

Wendy

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Are you claiming interest on the overdraft charges that took you over your overdraft limit or are you wanting to simply claim your charges back, then 8% when filing at court, if it gets that far................ if you reply to this I can pop back with the right link to the right spreadsheet for you. Fendy xxxxx

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i don't know what to do? just the charges i think! i think i'll keep it simple.

 

If i claim just the charges is it just the charges i get? nothing extra? my claim is only £299, would be nice to bump it up a bit tho with interest!

is claiming the interest very complicated? what are the pro's and cons?

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The only way you can get any extra (apart from the 8% interest if it goes to court) is to claim the interest on the overdraft charges. As Fendy said in post 13 she can give you a link to the correct spreadsheet.

 

Lets face it, you can only get what you are prepared to claim for, and then it's got to be right otherwise you could get the claim kicked out. You need to read up on everything and then decide the best way forward.

 

If you only claim the charges, thats all they'll pay, Natwest not being in the business of giving money awy just for the fun of it lol.

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So Wendy, I Have Had A Look At The Simple Excel S/sheet And It Looks A Lot Better For Me. I Feel That I Would Be Much Better With This 1 And Am More In My Comfort Zone.

So I Only Omit The Last Column, Which Is The 8% Details On This 1 Don't I ?!

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So Wendy, I Have Had A Look At The Simple Excel S/sheet And It Looks A Lot Better For Me. I Feel That I Would Be Much Better With This 1 And Am More In My Comfort Zone.

So I Only Omit The Last Column, Which Is The 8% Details On This 1 Don't I ?!

 

Hi quest - don't 'omit' the column, just 'hide' it! If the claim goes to court, you can then 'unhide' it again! xx :p

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

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cheers hedgey, going to newquay cornwall for a week tonight so won't be here for a week but am planning to post it whilst i'm down there recorded delivery, (hope the weather is good!) speak to you all in a week

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  • 2 weeks later...
  • 2 weeks later...

Hi All, Received My Stuart Higley Letter Today Thanking Me For My Prelim Letter And Stating They Will Look Into It And It Will Takes Approx 6 Weeks!! They Have Till Next Monday, So Just Preparing Lba As I Know I Will Be Needeing To Send It, Then They Will Know I Mean Business, Hey!

Does any1 know, does the LBA letter go to Borehamwood aswell??

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Hi quest1

 

Welcome to the NatWest forum.

 

NatWest do seem to make offers reasonably early on in the process provided you atrnot claiming any interest. However, this may not be quick since, if left to their own devices, it takes them 6-7 weeks to process claims.

 

Steven

 

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Any opinions are without prejudice & without liability.

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does the LBA letter go to Borehamwood aswell??
Yep

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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Whenever you get a response it almost certainly will be minus the interest. Experinece so far is that you have togo to court (well almost anyway) to get that.

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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