pcb v natwest (adv.gold)

[pcb]

Hi peeps,

 

Again I find myself going through the motions to reclaim money taken from my ex. She won £600+ from Abbey a little while ago and now it's time take on NatWest.

 

I'll keep posting to let others know how I get on but first, a summary of where I'm up to with Natwest and my exes Advantage Gold account.

 

 

1. sent dpa letter for statements.

 

One thing to note when I received them.

• the Unarranged Borrowing Fee is lumped together with the Advantage Gold service charge.

I've discovered that you're not allowed to reclaim this service charge so i've deducted this.

 

Service charges in the past have been £6, £9, £10 and £12. Unarranged borrowing fees have been £14, £20 and £28. They keep going up!

 

So typical end of month charges, might look like this:

a) 30 Jun 2003 - Charges - 30May A/C 12345678 - £20.00

b) 30 Sep 2003 - Charges - 29Aug A/C 12345678 - £26.00

c) 28 Feb 2005 - Charges - 04Feb A/C 12345678 - £37.00

d) 28 Feb 2006 - Charges - 03Feb A/C 12345678 - £38.00

 

made up from:

a) £14.00 + £6.00

b) £20.00 + £6.00

c) £28.00 + £9.00

d) £28.00 + £10.00

 

2. I've downloaded the spreadsheet where I've listed all the charges by category

• unpaid d/d, chq and s/o
  
• referrals
  
• card misuse
  
• unarranged borrowing

Next step - download the prelim letter from the library and send that off.

l8r.

[Parkvale]

You seem to have it all in hand. Good luck.

[pcb]

So...

 

I have sent off the prelim letter and got a standard response on the 14 day. Next went the LBA letter and I've waited about 3 weeks now and nothing doing.

 

Due to my claim being around £4800 inc interest and the fact I live in Scotland, I've decided to proceed via the N1 form route and use an English Court. The advice given on here is to use a court near the defendant's head-office, in the case of Natwest, somewhere near Bishopsgate, London.

 

I'd be grateful if someone could give me an address.

[sallysas]

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html should help you . All the best, Sally