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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
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    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
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Has anyone been successful to claim Against Natwest ?


ebonytanny
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Hi ebonytanny,

 

I managed to have all the charges on my Natwest CC dropped yesterday. I know it's not quite the same thing as claiming back money, but it meant that I didn't have to pay £200 in late payment charges!

 

Good luck with this claim. I am also pushing for £417 in charges from my current account. I was offered £187 back as a 'Goodwill' gesture, but I refused this and am going for the full amount.

 

Will post news as I get it.

 

Antigravity :lol:

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Hi Antigravity,

 

Well done, The charges of your Natwest CC were they all late payment charges from the past six years as well or not? I'm still contemplating about my claims with the current account and CC which i belive is in the region of £3k altogether for both accounts but it seems noone as had any success with Natwest yet apart from you which as given me a bit of confidence, pls let me know if you have any luck with the current account. Thanks

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Hi ebonytanny, can I just ask how far you have gone so far in your action against Natwest. I'm about to start actions myself and just want to know whether theres much chance of an out of court settlement.

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ebonytanny

 

The charges were a mixture of late payments, and going over my agree credit limit, which happened because of the late payent fees.

 

With regards to my current account, I have sent off the standard letter today, following conversations with the Customer Lending Centre and Customer Relations Manager Dept.

 

I also spoke to Capital One, with whom I have a CC. I eventually got through to one of the Managers there and challenged him on the phone over the fee they have charged me. He told me that yes, under The Unfair Terms in Consumer Contracts Regulations 1999 the charges they were imposing were not recoverable if the matter went to court. He then went on to say that they would never go to court, but send the debt to an outside collection agency and enter a defualt statment to the Credit Ref Agencies. They would then try to recover the actual loss, minus the charges.

 

This made me realise that at least some financial institutions know what they can and can't get away with. Which gives me some faith in pursuing matters with Natwest.

 

Best of luck with your case, I'll keep the forum updated with any news.

 

AG X

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ebonytanny

 

The charges were a mixture of late payments, and going over my agree credit limit, which happened because of the late payent fees.

 

With regards to my current account, I have sent off the standard letter today, following conversations with the Customer Lending Centre and Customer Relations Manager Dept.

 

I also spoke to Capital One, with whom I have a CC. I eventually got through to one of the Managers there and challenged him on the phone over the fee they have charged me. He told me that yes, under The Unfair Terms in Consumer Contracts Regulations 1999 the charges they were imposing were not recoverable if the matter went to court. He then went on to say that they would never go to court, but send the debt to an outside collection agency and enter a defualt statment to the Credit Ref Agencies. They would then try to recover the actual loss, minus the charges.

 

This made me realise that at least some financial institutions know what they can and can't get away with. Which gives me some faith in pursuing matters with Natwest.

 

Best of luck with your case, I'll keep the forum updated with any news.

 

AG X

 

This is a very important conversaton. Do you know who you had it with?

Can you pm me about this please.

 

Can yo please jot down as many verbatim notes of the conversation as your memory will allow, now please.

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  • 8 months later...

Hi Missangry,

All of us (to my knowledge), on this site, started proceedings against NatWest via MCOL (Online) or by going to local Court (N1).

You had your answer from Higley, now it's time to start your claim. Get the right (the more detailed) PoC in the templates and off you go...

Good luck!

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

Make a contribution to this site... Help the CAG keeping on helping you for FREE.

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i am having no luck either the last thing i heard was from Stuart Higley who told me they could do no more? i am now going to go through the small claims....has anyone else done this with NatWest?

 

Hi Miss Angry,

 

Could you start your own thread in the NAtWest forum - so you can keep everything in one palce as your claim progresses, and we can help as needed.

Consumer Health Forums - where you can discuss any health or relationship matters.

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i am having no luck either the last thing i heard was from Stuart Higley who told me they could do no more? i am now going to go through the small claims....has anyone else done this with NatWest?
This thread's from March! Lots of successes since then.

 

http://www.consumeractiongroup.co.uk/forum/natwest-successes/

 

Good luck

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Being in debt isn't a problem when it comes to claiming. Most of us are in debt for the same reason - unlawful charges.

 

To start a new thread, go back to the Natwest forum link and click on the "New Thread" button at the top of the page and away you go.

 

Post as much information as you can, along with any questions you might have and between us we should be able to help. Do please read the FAQ's before you go too far though - most of what you need to know is there.

 

Paul

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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  • 1 month later...

I am writing my letter to natwest requesting full details of charges incurred on everything in my account for last 6 years but not asking for any statements. I asked my local natwest branch for the data controller address. I was told to send complaints to there customer relations, Freepost, is this right, i can't send recorded and will this still work,

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Hi helen mary, i think i just spoke to you in chatroom, you need to start your own thread as this is someone elses, if you look at the top of the natwest page, you will see a blue box saying start thread, click on that give it a title and then that will become your own, when you need to ask something then you keep with the same thread, :D

:)I am not an expert at this, any advice i give is from reading posts on this site, its all in here somewhere :)

 

:) If i have helped please click the scales:)

 

NatWest Settled 16th february 2007----£3902.67 All charges, costs and s.69 interest

 

MBNA- S.A.R - (Subject Access Request) sent 25th March 2007

MBNA missed deadline, LBA for SAR sent 8th May 2007

CCA request sent 8th May 2007

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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