uun V's Natwest Overdraft Help******

[Curlyben]

When you do your SAR make sure you put BOTH accounts (numbers and sort code) on it, so your bank and credit card accounts.

Only ONE £10 fee is needed.

I have done this with my LTSB acconts and it worked a treat.

[Curlyben]

Fair enough hedgey, admittedly I'm stuck with LTSB.

[Curlyben]

UUN, you don't need to SAR everyone

That's best left for the original creditors as it is them that have added charges to your accounts.

After 30 days send them a nudge letter reminding them that time is running out.

After 40 you can send them a non-compliance letter and slap them.

 

Here's a rule of thumb for you.

DCA - CCA

OC - SAR

 

Make some sense.

[Curlyben]

You are admitting nothing, simply asking for all the information that they hold on you, as is your right.

CCA is a different animal all together, basically this validates the legal right to collect on a debt.

 

Let's keep this one purely for Nastywest so as not to confuse.

Time to open threads for all the other OC's and keep the DCA stuff on your other thread.

[Curlyben]

I'm sure hedgey will point you in the right direction here, but basically you are looking for overdraft usage fees, direct debit/standing order return fees and cheque return fess. Think that about covers it.

You can try and claim back as far as your statements allow, after all if you have to prove it in court the paperwork makes this nice and easy.

 

As to interest, you'd better ask the hedgehog as different banks play this game differently.

I only know LTSB so not much help.

[Curlyben]

As Tesco says, Every Little Helps

[Curlyben]

Welllll there's a couple of things.

First start working out how much they owe you.

You're looking for overdraft and returns (DD's SO' and Cheques).

 

Hedgey will be along and let you know the codes

 

Then send them a letter asking for it back.

 

Now due to the OFT's announcement, they may not acknowledge you at all.

DON'T panic and press on.

[Curlyben]

How about:

[Curlyben]

Something like this:

[Curlyben]

Obviously way passed her bed time

[Curlyben]

Careful i represent that remark

[Curlyben]

But it's not a hijack if it's your own thread, it's simple off topic crud

[Curlyben]

To attach a picture click the Go Advanced button and use the Paper Clip icon, like on e-mail.

This gives you a pop up and you then browse to the file and click Upload.

There are some size limits, but these are detailed on the box.

[Curlyben]

Hehehehe

Hey Hedgehog, you've got a journey to find me, but I suppose you could always fly.

Plus crud doesn't get auto edited

 

Now I wonder what happens to crap ?!

 

Edit - Oooo I love American filters.

[Curlyben]

Hey hedgey if we didn't laugh we would become another statistic

[Curlyben]

Pi$$

My

Self

Laughing

 

I like the image of ROTFLMAO

Rolls

On

The

Floor

Laughing

My

Ass

Off

[Curlyben]

UUN once I realised you where setting my up for a Hedgey SLAP, yep

[Curlyben]

Hang on a minute, this months payment has been made and you said you'd keep quiet about that one and the others