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hello newbe here introducing myself and chasing NatWest Adv.Gold.C.


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Hello all,

as i said in the tag I'm new to the C.A.G I am going after the money NatWest has been fleecing form me since i started my advantage gold account.

 

I am not well versed in countulating interest or the law and over so many years also the NatWest A.G.C.A charges changed so many times over the past few years

that i have found a history of here thanks NATTIE

http://www.consumeractiongroup.co.uk/forum/NatWest-

bank/27521-advantage-gold-unarranged-borrowing.html

and all the F.A.Q

 

and I am also slightly dyslexic (as you can probably tell don't misinterpret i love numbers) so am worried about how I would 'handle' this i don’t like writing as, I misspell words miss whole words sentences and use the wrong words to get it over and done with and have scavenged bits from my previous documents and really appreciate word processors.

 

I have been looking around for the past few weeks doing my research Via this great site's brilliant info and opinions plus the support and positive reinforcement is outstanding. MANY MANY THANKS YA'll.

 

Only for me this all seems quite daunting, and so am considering appointing a specialist firm, to prep and do the work for me and having seen yesterdays news lloyds bank favorable DISTRICT court judgment I think I might be heading in the correct direction (preparation wise) the firm I’m considering is a sub. of a legal practice and charge a favourable 10% all the way and put up any costs required so I guess they are under cutting the rest and religing as I hope on calculating the correct return amounts, interest, any costs and time wasted stuff plus whatever else i/we (well we all as victims and therefore claimants) might be or in fact & deed entitled too ( I have asked for one of there claim packs).

 

I hope they don’t get the money and sit on it creaming the interest as most banks and financial institutes do with our cheques and almost any transfer.

 

Plus I believe they would be better placed me thinks to do the all calc's and much better versed with the law and i'm a bit 'lazy' well scared my dyslexia will put me out of play early :mad: so sacrificeing the 10% is looking tempting for the experience expertise and patience they will bring to the table.

 

Has anyone here had any dealings personal experience with any of the companies i sure would appreciate any info.

 

I would like to thank all for the wealth of knowalge and intelegence I have up to now found on this site and would like to offer any assistance I can. Also I would appreciate any opinions guidance and help I can get.

 

I had been considering starting the ball rolling for a few months, only about 10 days ago I did, I am well peeved as I have been paying 'penalty charges' intermittently since at least 2003 but it seems like every month for the last year and a bit i mean last month they even charged me £35 for making a £1 payment that had been processed on the same day but only after they applied there own charges and penalties, that put me over my overdraft in the first place this happens every month I'm not earning loads at all in fact it's very tight with not much coming in for me at the mo but i always pay my way inculing those charges and it seems like a evil loop pushing me further and further along and into a bigger and larger O.D.

 

Had they make the £1 payment first before their then they would have found more than enough to cover that and the monthly fee but the sequence they applied them gets them even more interest and 'penatly charges' or what ever and so on. thankfully the muppets show all of this on the statements:p:rolleyes: .

 

 

As i said whatever i can do to assist/help i would be glad to do so well, save for large fiscal donations as I'm not very flush but once i get my money I will be making a donation by way of a thanks and to help those that are in a tighter spot than myself (and you have that in writing).

 

many thanks in advance and for any info advice guidance and support

all the best.

[FONT=Times New Roman][SIZE=4][COLOR=red]Now your here & I've your attention pls atleast [/COLOR][/SIZE][/FONT][FONT=Times New Roman][SIZE=4][COLOR=#ff0000]look at[/COLOR][/SIZE][/FONT] [URL="http://petitions.pm.gov.uk/PAYUSBACK/"][B][FONT=Times New Roman][SIZE=4]http://petitions.pm.gov.uk/PAYUSBACK/[/SIZE][/FONT][/B][/URL] [B]:eek: Deadline to sign up by: [/B]21 May 2007 – [B]Signatures:[/B] 1,333 (as at 17/05):shock: [URL="http://petitions.pm.gov.uk/Penaltycharges/"][FONT=Times New Roman][SIZE=4][COLOR=darkgreen][B]http://petitions.pm.gov.uk/Penaltycharges/[/B][/COLOR][/SIZE][/FONT][/URL] [FONT=Times New Roman]that Berwick v lloyds case judgement [/FONT] [SIZE=1][SIZE=1][FONT=Times New Roman][COLOR=black]Analysed and surmised in concise plain English[/COLOR][/FONT][/SIZE] by 1 of our admins[/SIZE] [URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-825486.html[/URL] [SIZE=1]& by[/SIZE][SIZE=3] R B R EARS[/SIZE] [U][COLOR=darkgreen][URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-827833.html[/URL][/COLOR][/U] [FONT=Times New Roman][SIZE=4][COLOR=black]All the best.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=4][COLOR=navy][I]FIDZ[/I][/COLOR][/SIZE][/FONT] [SIZE=4][FONT=Times New Roman][SIZE=4][FONT=Times New Roman][COLOR=black][FONT=Verdana][SIZE=2][COLOR=#ff0000]Any of my Advice & opinions and guidance are personal, not endorsed by C A G or Bank Action Group, are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.[/COLOR][/SIZE][/FONT][/COLOR] [/FONT][/SIZE][/FONT][/SIZE]

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Hi Fidz, welcome on board the nat west forum!

 

It must feel quite daunting attempting to reclaim your charges if you have dyslexia, but don't worry - we're all here to help, support, guide and encourage you every step of the way!

 

Rather than paying somebody to do it on your behalf, we'd all be more than happy to check over any documents you do and to suggest any improvements. Have a think about it as we're all really supportive on here!!

 

As for calculating the charges, all you have to do is highlight each charge on your statements and then enter them into a spreadsheet. The spreadsheet calculates everything for you! Maybe you could get a friend to help you as well - bottle of wine (or whatever your tipple is!!) and a friend are great company when you're going through this process!

 

Again - welcome on board, it's good to have you here, and I hope you'll have a think about keeping all of your money!!!

 

Best wishes and good luck, hedgey xxx :p

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

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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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fidz,

Do not engage a company to help you get your charges back. There is lots of help and assistance on this site from people who have successfully claimed charges back. Also do not worry about the Lloyds case, this is one case out of thousands of successes - if he appeals he will win!!

With regards to your dyslexia, don't worry about this. There are plenty of template letters you can just copy and paste and any letters you want to send that are not templates just post them - the spelling mistakes can be corrected for you and then its just another cut and paste job.

Good luck with your claim and once again please don't pay someone to do this for you. You'll find it easier as you go along.

 

Rory

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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hello and thank you sooooo much for your quick reesponces and words of encouargement

[FONT=Times New Roman][SIZE=4][COLOR=red]Now your here & I've your attention pls atleast [/COLOR][/SIZE][/FONT][FONT=Times New Roman][SIZE=4][COLOR=#ff0000]look at[/COLOR][/SIZE][/FONT] [URL="http://petitions.pm.gov.uk/PAYUSBACK/"][B][FONT=Times New Roman][SIZE=4]http://petitions.pm.gov.uk/PAYUSBACK/[/SIZE][/FONT][/B][/URL] [B]:eek: Deadline to sign up by: [/B]21 May 2007 – [B]Signatures:[/B] 1,333 (as at 17/05):shock: [URL="http://petitions.pm.gov.uk/Penaltycharges/"][FONT=Times New Roman][SIZE=4][COLOR=darkgreen][B]http://petitions.pm.gov.uk/Penaltycharges/[/B][/COLOR][/SIZE][/FONT][/URL] [FONT=Times New Roman]that Berwick v lloyds case judgement [/FONT] [SIZE=1][SIZE=1][FONT=Times New Roman][COLOR=black]Analysed and surmised in concise plain English[/COLOR][/FONT][/SIZE] by 1 of our admins[/SIZE] [URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-825486.html[/URL] [SIZE=1]& by[/SIZE][SIZE=3] R B R EARS[/SIZE] [U][COLOR=darkgreen][URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-827833.html[/URL][/COLOR][/U] [FONT=Times New Roman][SIZE=4][COLOR=black]All the best.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=4][COLOR=navy][I]FIDZ[/I][/COLOR][/SIZE][/FONT] [SIZE=4][FONT=Times New Roman][SIZE=4][FONT=Times New Roman][COLOR=black][FONT=Verdana][SIZE=2][COLOR=#ff0000]Any of my Advice & opinions and guidance are personal, not endorsed by C A G or Bank Action Group, are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.[/COLOR][/SIZE][/FONT][/COLOR] [/FONT][/SIZE][/FONT][/SIZE]

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i mean last month they even charged me £35 for making a £1 payment that had been processed on the same day but only after they applied there own charges and penalties, that put me over my overdraft in the first place this happens every month I'm not earning loads at all in fact it's very tight with not much coming in for me at the mo but i always pay my way inculing those charges and it seems like a evil loop pushing me further and further along and into a bigger and larger O.D.

 

Had they make the £1 payment first before their then they would have found more than enough to cover that and the monthly fee but the sequence they applied them gets them even more interest and 'penatly charges' or what ever and so on. thankfully the muppets show all of this on the statements:p.

 

:eek: just a quick thought maybe paranoid, only could there sequencing not be by mistake but a tatic and 'another way':p of puting us further into debt, enforce and keep us in overdraft:mad:.

So that when i/we eventually start a claim by the time we finish the claim my overdraft will eat most of the claim amount. And the same time or prior too that in the effort of preparing in the usual belligerant way for a presedent or ruling on there illegal 'charges' into the there favor as they are such a big contributers economy it's only a though:mad:, I have been trying to reduce my overdraft like most of us but never seem to manage too as there charges usually amont to arround £100 p.c.m:rolleyes:

 

oh ps check this out

http://www.consumeractiongroup.co.uk/forum/show-post/post-828169.html

 

Hopfully and sinceraly

many thanks ya'll

[FONT=Times New Roman][SIZE=4][COLOR=red]Now your here & I've your attention pls atleast [/COLOR][/SIZE][/FONT][FONT=Times New Roman][SIZE=4][COLOR=#ff0000]look at[/COLOR][/SIZE][/FONT] [URL="http://petitions.pm.gov.uk/PAYUSBACK/"][B][FONT=Times New Roman][SIZE=4]http://petitions.pm.gov.uk/PAYUSBACK/[/SIZE][/FONT][/B][/URL] [B]:eek: Deadline to sign up by: [/B]21 May 2007 – [B]Signatures:[/B] 1,333 (as at 17/05):shock: [URL="http://petitions.pm.gov.uk/Penaltycharges/"][FONT=Times New Roman][SIZE=4][COLOR=darkgreen][B]http://petitions.pm.gov.uk/Penaltycharges/[/B][/COLOR][/SIZE][/FONT][/URL] [FONT=Times New Roman]that Berwick v lloyds case judgement [/FONT] [SIZE=1][SIZE=1][FONT=Times New Roman][COLOR=black]Analysed and surmised in concise plain English[/COLOR][/FONT][/SIZE] by 1 of our admins[/SIZE] [URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-825486.html[/URL] [SIZE=1]& by[/SIZE][SIZE=3] R B R EARS[/SIZE] [U][COLOR=darkgreen][URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-827833.html[/URL][/COLOR][/U] [FONT=Times New Roman][SIZE=4][COLOR=black]All the best.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=4][COLOR=navy][I]FIDZ[/I][/COLOR][/SIZE][/FONT] [SIZE=4][FONT=Times New Roman][SIZE=4][FONT=Times New Roman][COLOR=black][FONT=Verdana][SIZE=2][COLOR=#ff0000]Any of my Advice & opinions and guidance are personal, not endorsed by C A G or Bank Action Group, are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.[/COLOR][/SIZE][/FONT][/COLOR] [/FONT][/SIZE][/FONT][/SIZE]

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fidz,

If they keep charging you unlawfully you keep claiming against them - it's that simple. Eventually the banks may learn!!

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Hi

Don't go to a specialist firm, they charge about 20% of your claim, why do that when you can follow Hedgey's advice and get a friend or friends to help?? A bottle of wine to a mate is a much better alternative, everyone on this site will also help when you're stuck. Cutting and pasting is so easy now with word processors, and with pm's you can send your stuff to someone on site to check over as well.

Everyone will help as much as we can.

 

go for it girl!!!

 

Wendy x

 

PS i think we may have invented a new currency....wine!!!!

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"PS i think we may have invented a new currency....wine!!!!"

 

It's a very old currency in my house.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Me too actually!!! Especially tonight, just come back from pub, celebrating play off win, and now finishing off last nights bottle of chardonnay (tesco didn't have any zinfandel) - only reason I didn't finish it last night was cos my fridge broke so couldn't chill it and it tasted like petrol...... however tonight it tastes lovely....not sure if thats cos it's now freezing cold or cos I've had so many up the pub it doesn't actualy taste like anything!!

 

Gotta go soon, replay on on the telly soon.

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Wendy, how do you know what petrol tastes like?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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 its just what I imagine it would taste like, if I was that way inclined... which I'm not....not even when I',m very p****d, which I'm not...yet!! Rocket fuel might be a better description - and no, I've never tasted that either, I could have said cat piddle, but again, not on my usual wine list, its all a sort of imaginaryy yeeuuurrrky sort of menu, if you get my drift.

 

Do you think we should stop hi-jacking Fidz's thread and go onto one of our own? But not for too lomng cos the match just started.

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Okay Wendy over and out!!

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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thanks i'm starting to veer in this direction. As in this instance they are charging 10% could well end up being qiute alot and the support and encouragement plus resources and tools availble here are great.

 

more over i'm understanding i've got a few more 'claims' i can make GE is one of them then sainsburys bank and st andrews PPI i think i'll start with a small claim so i can get the familiar with procedural steps and will be reliying heavliy on you all.

 

Wendyb conratulations on your win very ecouraging but does that mean well lose you now?

 

PS hee hee he yes wowwaah wee waw yes we like wine i guess i'm not the only one here, but i got fixed assets running through my veins as write.

HIGH 5!

[FONT=Times New Roman][SIZE=4][COLOR=red]Now your here & I've your attention pls atleast [/COLOR][/SIZE][/FONT][FONT=Times New Roman][SIZE=4][COLOR=#ff0000]look at[/COLOR][/SIZE][/FONT] [URL="http://petitions.pm.gov.uk/PAYUSBACK/"][B][FONT=Times New Roman][SIZE=4]http://petitions.pm.gov.uk/PAYUSBACK/[/SIZE][/FONT][/B][/URL] [B]:eek: Deadline to sign up by: [/B]21 May 2007 – [B]Signatures:[/B] 1,333 (as at 17/05):shock: [URL="http://petitions.pm.gov.uk/Penaltycharges/"][FONT=Times New Roman][SIZE=4][COLOR=darkgreen][B]http://petitions.pm.gov.uk/Penaltycharges/[/B][/COLOR][/SIZE][/FONT][/URL] [FONT=Times New Roman]that Berwick v lloyds case judgement [/FONT] [SIZE=1][SIZE=1][FONT=Times New Roman][COLOR=black]Analysed and surmised in concise plain English[/COLOR][/FONT][/SIZE] by 1 of our admins[/SIZE] [URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-825486.html[/URL] [SIZE=1]& by[/SIZE][SIZE=3] R B R EARS[/SIZE] [U][COLOR=darkgreen][URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-827833.html[/URL][/COLOR][/U] [FONT=Times New Roman][SIZE=4][COLOR=black]All the best.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=4][COLOR=navy][I]FIDZ[/I][/COLOR][/SIZE][/FONT] [SIZE=4][FONT=Times New Roman][SIZE=4][FONT=Times New Roman][COLOR=black][FONT=Verdana][SIZE=2][COLOR=#ff0000]Any of my Advice & opinions and guidance are personal, not endorsed by C A G or Bank Action Group, are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.[/COLOR][/SIZE][/FONT][/COLOR] [/FONT][/SIZE][/FONT][/SIZE]

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any thoughts?

i mean last month they even charged me £35 for making a £1 payment that had been processed on the same day but only after they applied there own charges and penalties, that put me over my overdraft in the first place this happens every month I'm not earning loads at all in fact it's very tight with not much coming in for me at the mo but i always pay my way inculing those charges and it seems like a evil loop pushing me further and further along and into a bigger and larger O.D.

 

Had they make the £1 payment first before their then they would have found more than enough to cover that and the monthly fee but the sequence they applied them gets them even more interest and 'penatly charges' or what ever and so on. thankfully the muppets show all of this on the statements:p:rolleyes: .

many thanks in advance and for any info advice guidance and support

all the best.

just a quick one i maybe paranoid, only could there sequencing not be by mistake but a tatic in the effort of preparing in the usual belligerant way for a ruling on there illegal 'charges' into the there favor as they are such a big contributers economy it's only a though and 'another way':p of puting us further into debt, enforce and keep us in overdraft:evil:.

So that when i/we eventually start a claim by the time we finish the claim my overdraft will eat most of the claim amount.

 

I always try to have more funds than necssacery in that acc before any paymnet is due & have been trying to reduce my overdraft like most of us but never seem to manage too as there charges usually amont to arround £100 p.c.m:rolleyes:

 

Well i guess it more money for me when i win but really anonying and dispicable getting deprived of my own money.

 

am i thinking along the correct lines, any thoughts comments advice is welcome, infact please any thing i can do to reduce my liablity to them and prove them in the wrong would be great.

In the mean time chin up eyes front and lets keep taking the battle to them.

[FONT=Times New Roman][SIZE=4][COLOR=red]Now your here & I've your attention pls atleast [/COLOR][/SIZE][/FONT][FONT=Times New Roman][SIZE=4][COLOR=#ff0000]look at[/COLOR][/SIZE][/FONT] [URL="http://petitions.pm.gov.uk/PAYUSBACK/"][B][FONT=Times New Roman][SIZE=4]http://petitions.pm.gov.uk/PAYUSBACK/[/SIZE][/FONT][/B][/URL] [B]:eek: Deadline to sign up by: [/B]21 May 2007 – [B]Signatures:[/B] 1,333 (as at 17/05):shock: [URL="http://petitions.pm.gov.uk/Penaltycharges/"][FONT=Times New Roman][SIZE=4][COLOR=darkgreen][B]http://petitions.pm.gov.uk/Penaltycharges/[/B][/COLOR][/SIZE][/FONT][/URL] [FONT=Times New Roman]that Berwick v lloyds case judgement [/FONT] [SIZE=1][SIZE=1][FONT=Times New Roman][COLOR=black]Analysed and surmised in concise plain English[/COLOR][/FONT][/SIZE] by 1 of our admins[/SIZE] [URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-825486.html[/URL] [SIZE=1]& by[/SIZE][SIZE=3] R B R EARS[/SIZE] [U][COLOR=darkgreen][URL]http://www.consumeractiongroup.co.uk/forum/show-post/post-827833.html[/URL][/COLOR][/U] [FONT=Times New Roman][SIZE=4][COLOR=black]All the best.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=4][COLOR=navy][I]FIDZ[/I][/COLOR][/SIZE][/FONT] [SIZE=4][FONT=Times New Roman][SIZE=4][FONT=Times New Roman][COLOR=black][FONT=Verdana][SIZE=2][COLOR=#ff0000]Any of my Advice & opinions and guidance are personal, not endorsed by C A G or Bank Action Group, are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.[/COLOR][/SIZE][/FONT][/COLOR] [/FONT][/SIZE][/FONT][/SIZE]

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