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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
PeteCC

Peter and The Pirates ***SETTLED IN FULL***

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If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thank you

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Well, folks, after absorbing as much as I could from this site in the last few days, looking at the fantastic help and support available, I have decided to start a claim against NatWest.

 

What I've done so far is to request a copy of the bank statements which I don't already have, and will follow this up with a DPA letter whether or not I receive them.

 

One question I do have at this stage is, does anyone have any advice as to which banks are easiest to open an account with, because I really need to buy a parachute? I don't want to fire off a dozen or so applications and further damage an already fragile credit rating.

 

BTW, I've already started another thread about the charges the bailiffs are levying against me. Just if anyone's interested. :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=10146&highlight=petecc

 

I'll keep you posted.

 

Regards,

 

PeteCC

 

PS If you're new here, as I am, please PLEASE read as much as possible the contents of the site. You will get SUCH a feeling of empowerment when it starts to hang together.


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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Hi Pete, welcome aboard.

 

Do you think you are likely to get a standard current account, or would it be a Basic account.

 

If you're looking at Basic ones, then usually I would mention the NatWest Step account, but I don't think that would do you any favours now, would it. As such, the Co-Op Cashminder seems to get reasonable 'reviews' and I could also recommend the HSBC Basic Account - I've had one for about 18 months now.

 

When searching for one, I would just say that you are looking for alternatives rather than making specific reference to the fact you have been charged or you are claiming charges etc etc.

 

Apparently they get a little upset :)


..

.

 

Opinions given herein are made informally by myself 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 for that amazingly fast reply, jonni2bad. (An insomniac, too?)

 

Yes, methinks NatWest would be a fun choice, but possibly not best chosen, and although I'm usually fairly outspoken, a little tact in stating why I want another account would be sensible. :)

 

Co-op sounds good, 'though.

 

Thanks again,

 

PeteCC


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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Hi Pete :)

 

Would recomend Abbey basic Acc. - You can always upgrade later to a std Acc.

They were sugested to my by the Consumer credit Counceling Service also as an alternative to Snatch west.

 

They are very helpfull and you don't have to give a reason why you want to open an account or show them any balances from Snatwest accounts - just show them a front slip from a statement with your address and acc details.

 

Good luck

 

The Mixer


[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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Thanks, Pixlmixer. I'll check that one out, too.

 

Regards,

 

PeteCC


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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Having read this forum a lot, I really REALLY would NOT reccommend Abbey. However, I've heard a lot of good stuff about First Direct (despite claiming back my charges from them), and I'm reasonably impressed with Smile - who invest ethically too if that floats your boat.

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Well I guess they're all the same and that's why we're here. Point is A basic account is abou as safe as you can get - if you keep in the clear - no overdraught or extra card facilities and as an alternative to Snatchwest, Abbey were recommended by Consumer credit Counceling Service.

Obviously tho and very important, DONT go to Bank of Scotland as they are Natwest's sister bank.


[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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BTW First Direct took my Father's house off him when his partner ran off with all the funds...


[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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BTW First Direct took my Father's house off him when his partner ran off with all the funds...

 

That's worth a thread of it's own just to see if he can get compensation...

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Thanks for your replies, all much appreciated.

 

I do have one question, and days of trawling the site hasn't helped, but I know it's in there, surely.

 

When EXACTLY, does the '6 years' start. Is it 6 years from the date of first sending a letter claiming the return of the charges, 6 years from the DPA letter, 6 years from filing the N1?

 

The reason I'm asking is that on one of my accounts, I'm sure charges were accruing 'round about 6 years ago, and I don't want to claim for anything which is not covered and which may subsequently come back and bite me. (Notwithstanding the thread about claiming for MORE than 6 years.)

 

Sorry if this has been asked before, I have looked, honest.

 

Regards,

 

PeteCC

 

PS I checked out this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?t=10009 but it's still confusing. :(


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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I always start counting the 6 years from the date of my preliminary letter

  • Confused 1

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Thanks Bovvered, I was wandering that too and well done for asking Pete.

As you can see there are a few of us having a problem with recorded DPA requests not been signed for - 7 days now since posting mine. Royal Mail don't seem to have an answer and we are suspecting that they will be returned.


[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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Well, got a polite letter from my branch manager informing me that they could not send me statements referred to by page number, only by the dates, (why not? It's their filing/notation system), so dates it is then and I sent them off yesterday. (Just occurred to me that I should simply have asked for them all.) Another delaying tactic, methinks.

 

Regards,

 

Peter


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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Hi Pete,

 

Why does that not suprise me! As you say its their system... They do seem to appling delay tactics here, especially as we have now been informed by them that they are inundated with DPA requests etc. Guess this whole business is getting a real headache for them lol.

 

I would sugest that you request DPA (recorded) for the full SAR info but also follow up with the phone call (see my thread) so you can at least begin work on your spread sheet.

 

My Recorded (1st class next day service) DPA of the 06/06/06 STILL has not been signed for.


[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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My Recorded (1st class next day service) DPA of the 06/06/06 STILL has not been signed for.

 

And never will be. Don't take this as non-delivery though, 1st class mail is deemed to have been delivered in 2 working days. Your timescale starts from that point.

 

Recorded delivery = utter sh***

  • Confused 1

..

.

 

Opinions given herein are made informally by myself 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, All,

 

Sorry I haven't posted anything for a while, but as nothing of any real importance was happening, I mean by that nothing which was different from standard letters to and fro etc, so nothing of any real help to anyone, except.............

 

I asked for the statements again, on 20th June, and this letter was ignored, so I fired off a letter of complaint to the manager of my branch. Two days later I had a phonecall from Customer Services who apologised profusely for the delay, and promised to have the entire set of statements for me within a week. (Not just the ones I had requested.)

 

They arrived, as promised, and I got a follow up call asking if I had received them. So, thank you, Kate, at NatWest, you were pleasant, helpful, and delivered on your promise.

 

So, I calculated the charges (£521.00) and sent off the first letter. (30th June) Standard, 'sorry you are unhappy' reply, with the helpful little booklet enclosed.

 

LBA sent (17th July), with the reply of, 'get back to you within 10 working days', and another helpful little booklet. This arrived on 25th July.

 

I wrote again, telling them that their schedule of 10 working days meant that they would over-run my schedule for making a claim, and that I would be filing, as planned, on 3rd August.

 

On 26th July, BEFORE this letter could have been delivered to them, I received another letter telling me that the charges were fair, transparent (yada yada), but they had taken this opportunity to review the account and were to refund all the charges. Please signal your acceptance.

 

I did, and am now £521.00 the richer. (Perfect timing as I am going away for a few days, and £25.00 will be winging its way into the BAG account.)

 

So, nothing very dramatic, no histrionics, just a half-hearted 'No', then a resigned 'Yes'.

 

Oh, if only it was that easy every time.

 

Good luck to you all.

 

PeteCC


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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Guest NATTIE

Congratulations!

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Thanks NWSM, so now, 'It seemed that out of battle I escaped......'

 

PeteCC


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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Well done Pete - I missed the post saying you'd had the money...

 

CONGRATULATIONS!!

 

Don't forget the survey


..

.

 

Opinions given herein are made informally by myself 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, All,

 

I had occasion to visit my branch the other day, the first time I'd been in since reclaiming and receiving back my charges.

 

After I'd concluded the transactions, the teller said that there was a note on my file to say one of the advisors would like to speak to me and 'Did I have a few minutes?' I said yes, and she said, 'I'll just tell her and I'll give her your card (Solo)'.

 

(Uh-oh! She's walking away with my card, they're going to close my account!)

 

So, I sat for a few minutes in the reception area, rehearsing what I was going to say, quotes from the FSA and BBA etc, words like 'retaliatory' and 'unconscionable' flitting about in my head.

 

Anyway, I got invited in, sat down, and the advisor asked how I thought my account was going. 'Pretty well', says I, 'I'd just like a better one.' (It's a Step account.) 'That's what we're here to look at.' she replied.

 

Turns out they wanted to 'upgrade me' to an Advantage Gold account, a 'real' account with a chequeboook, overdraft facility etc. For this, and the additional services, they would only charge me £12.00 a month. So I accepted, but on the condition that I would only use the basic service of the account, not the additions, hence NO £12.00 charge. So, I now have 4 accounts with them, the Step, a savings account (comes with the Gold), and for some reason, I have 2 Gold accounts as well, one with the £12.00 charge, as yet unpaid by me, already refunded.

 

I guess this would relate to Bookworm's thread http://www.consumeractiongroup.co.uk/forum/bank-charges-print/34233-evening-standard-metro-27-a.html

 

Ah well, such is life.

 

Regards,

 

Peter


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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Hi pete,

 

Just opened a basic account with Nationwide. Without overdraft or chequebook. Received cashcard with £300 limit. and allowed Direct Debits. took me 5 mins no questions asked and I probably have one of the worst credit records in the UK of anyone who is not bankrupt.

 

hope this helps

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Hi Guys

Another newbie here...:oops: although I have read loads of threads about Natwest ( love the snatch west how appropriate!!!!!) I am wondering if it will really work for me? I intend to spend the evening reading the threads and forums etc, will I be able to find out how to get these SAR things and do I just contact the bank and ask for copies of my statements.... can you claim back the charges for these?

 

I'm rather overwhelmed by the success stories here, just worried about rocking the boat...... I know someone said read the FAQ's I will! Any other advice for an apprehensive young lady before I take them on? :eek:

 

ANY help would be greatly appreciated :)

Ellie

xxxx


"A Bird in the hand is safer than one overhead":rolleyes:

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And here we go/have went, again. (Deliberate antigrammatical.)

 

Well, I had my new account or a few weeks, and screwed it up. I wrote a cheque which was presented before a deposit was 'in the system'.

 

Ok, I'll accept the charge (£39.00). Not happy, but it was my own fault.

 

But! A second charge (£39.00) was applied as the cheque was noted RDPR (Refer to drawer, please represent) even 'though I had less in the account (due to the original charge) than necessary.

 

I then incurred two charges of £28.00 each time for 'unauthorised borrowing' making a total of £132.00.

 

No way!

 

So I wrote my letter(s) saying that I WOULD have accepted the original charge but certainly not anything else, and guess what? A letter in the post saying that they would refund the £132.00. Mind you, they have said they will close the account if I do not accept their regime of charges in future.

 

Oh, like I WANT to keep writing letters/getting letters? Charge me fairly for a breach of contract and I'm cool. Enjoy your obscene profits!

 

Regards,

 

PeteCC


NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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