Cheddar V Natwest **WON**

[cheddar]

Please start by reading the FAQs: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Then spend a few days reading around the forums, step-by-step guide, templates etc to work out what you need to do.

[cheddar]

Right sorted my donation today! lol! Had some problems with my card but is all done now.

[louiseashton]

can i just ask, did you get the 8% interest with your amount from the bank? my amount had gone up loads with the interest since i first filed

cheers

[cheddar]

Yes i did louise please read my story to see what happened, you add the 8% interest at the court stage which mine got up to.

[a2222]

excellent... good to read through this... they have just acknowledged my claim so am waiting for their defence.... then it seems to be another 3-4 weeks and bingo!!!

[cerisemercedes]

Hi Cheddar,

 

So glad that you won against the nightmare bank

 

I think mine will go the same way as yours, I recieved a defence and 50% offer on the same day, have finally recieved my AQ this weekend as the local court had a backlog, so took 12 days between recieving defence and AQ.

 

I am going to pop down to court tomorrow to hand in as I am exempt from fees and the deadline is 18th December. I am noticing that the bank is holding out on alot of cases recently. I just hope they pay up on mine, especially as I am trying to claim damages due to default on my account which totally consisted of charges over my overdraft. I am also asking for default to be removed.

I rang cobbetts the other day to check they had recieved my rejection letter and she said were waiting to hear from bank about next step??

[cheddar]

Yeah i got that too, they have to await instruction from their client etc... hope you get a payout soon though.

[SteepnDeep]

WOW!

 

Hi Guys,

 

I'm new here, and I'm both blown away by it all as well as seemingly finding myself in this preverbial Minefield of information. Some simple layman advice would be much appreciated.

 

I heard about this site on LBC today, and have decided to try and claim back some of the MANY charges my bank have financially Bludgoened me with over the years. I have been with Natwest for atleast 20yrs, so it's about time I got SOMETHING Back!

 

I have a few queries, one of which is how does one start to get the ball rolling? I am currently unemployed and also very skint, partly due to Natwest using some or ALL in most cases of my benefit, to help pay some of my overdraft, leaving me alot of the time with NOTHING! Then charging me more after this. They have stopped sending me mail eg Statements and letters, as they say that the items just keep coming back to them. Even when I ask them to please start sending them again. I don't try to email of phone me to let me know of this problem either. I have a loan with them too which is having problems with the insurance claim, as they say that I have not been res[ponding to thier letters, so they just closed the claim. Yep, they didn't try to call me to let me know of this problem either, as I didn't receive any of their letters either.

 

Do I need to go into the bank personally, to ask for my statements for the last 6 or 7 years is it? Or can I just do this over the phone, and how much should I pay for them? After that, what do I need to do next?

 

I'm sure you've heard the same story over and over, but your help in this matter will be MOST appreciated.

 

Yours hopefully

 

SteepnDeep

[Guest littlesally]

Hi Sreepndeep,

The best place to get help is to start your own thread, like Chedder did, then a moderator or some other helpful soul will see it and hopefully be able to help you.

Also read through the threads to see if anyone has had similar experiances to you, which may help.

Sally x

[SteepnDeep]

Thank you very much Sally.

[thereshope!]

Well done Cheddar !!

 

just sat and read through your story from start to finish and I am sooo pleased for you !

 

Just embarking on the same journey,and if I ever feel like jacking it in , I will read your thread to keep me motivated

 

 

 

 

FANTASTIC !!!!

[Marcia]

I am new to all this. I have just recieved my statements, now what do I do. I want to calualte the 8% APR as they were late (more than 40 days)?:idea:

[cheddar]

Hi Marcia what you need to do is work out what needs to be done. Start by spending some time reading thru the self help material starting with the FAQs link in my sig. Then when you are sure you know whats what start your own thread in this forum and inform us of your progress.

 

You only claim 8% when you file a claim at court but you will know all this after reading the FAQs etc.. Good luck

[davekaz]

hi,cheddar what a journey,i,m about to follow the same path great to see you won.

nw gave me so many charges for my business i had to fold, nw transfered the charges to a loan then charged me interest on the loan,i had to sell my house ,lost my partner for six mouths due to the distress,and i ended up in hospital.We,ve since rebuilt are lives and got married so getting our money back would be the icing on the cake, for us.

[Guest littlesally]

Hi Davekaz,

Wow you've certainly gone through it!

Sounds like things are back on track.

 

The best thing to do is start your own thread, that way people we see it as a new claim and come to help.

Read through the threads as there is a lot of help in them and keep your thread up to date so everyone knows what help you need, what you've done etc. It also helps others.

All the best with your claim,

Sally x

[oscarblackberry]

Hi Folks.

My first time on line, I phoned my Nat West and asked for my statements, for the pasr 6 years, to my surprise i recieved them within 10 days.

Hopefully this is a good omen.

[oscarblackberry]

Hi Folks.

My first time on line, I phoned my Nat West and asked for my statements, for the past 6 years, to my surprise i recieved them within 10 days.

Hopefully this is a good omen.

[cheddar]

Hi oscar what you need to do is start your own thread in the natwest forum to keep us updated and ask any qiestion if you get stuck after reading the self help material. Good luck

[Vodkajelly]

"Don't forget that NatWest are the only people who successfully defended a claim for charges."

 

If I lose in court, do I have to pay their fees and court costs?

 

Vj

[sbb1979]

I'm sure that if any bank had actually successfully defended a claim in court then they'd all be doing it and none of them would be paying up. If they did win a case then it was probably an exceptional situation.

 

If its in the small claims track then you're not liable for any of their costs, but you should read the FAQ and lots of other threads and they'll tell you the risks (however small - if you do things properly) that there are. Anyway, start your own thread on the Natwest board and that will give people a central location to answer your queries therefore keeping the information together and making it more useful for others.

 

Good luck!

 

S

[Vodkajelly]

It's in the small claims court, so that good news. I am being good and reading everything, I just need a little peace of mind suddenly.

 

Thanks for replying

[cheddar]

Vodka the claim that went to court was done via a barrister who wasn't at all interested in winning the claim and basically messed it all up from what i can remember.

 

It is in the small claims and I agree there is a lot of reading around to do so i am glad to see thats what youre doing. after that start your own thread in the natwest forum and keep us informed of your progress. thanks.

[soobyloo]

Hi

 

In response to my Data Protection Act 1998 Subject Access request

I have received the following reply from NWB.

 

On the same morning I received a package enclosing last 6 years statements and in a separate envelope the following letter.

 

"Thank you for requesting copy statements held by the Bank

 

Any information that is required to abe provided to you under Section 7 of the Data Protection Act will be forwarded to you at the above address as soon as possible.

 

In the meantime we acknowldge receipt of the payment for £10.00 in respect of the fee.

 

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 agreement 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 appopriate action, contacting customers when appropriate, or handling customer 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.

 

If you have any queries relating to this matter please do not hesitate to contact me at the telephone number shown above."

 

Should I just calculate the charges on the statements or will there be other information to follow?

 

Can anyone help?

[cheddar]

Seems like they have just got crossed over, make sure there is 6 years statements and follow the step by step guide. Also please can you start your own thread, you have posted on mine which is in the success forum you need to have your own thread in the main Natwest forum.

 

If you are unsure of how the site works or how to post please have a read of the FAQs and the 'how to post' section in the welcome forum.

 

Thanks

[a2222]

Hi cheddar.... did you get your cheque by registered post?!

 

sounds like a silly question but I have something waiting to pick up at the post office on special delivery and all I can think is that it may be a cheque from cobblers!