Hello!! .. Petris against NatWest

[Petris]

Hi all,

 

I am about to sent my SAR for my current account and most of all for my credit card.

 

Do I do one SAR with one £10 check, or do I need to do two SARs one for each account... and two checks of £10 each.

 

Please advice.

 

... this is a great discussion group.

 

what brought me here is Nat West arogance. I payed my credit card balance six days before the payment day .. and I still got a late payment charge. When I called Nat West I was told that they were too busy to process my payment on time ... therefore I was charged with late payment fees !!!

I argued with one of the NatWest operators untill my face turned blue, but they were not willing to admit it was their fault. According to Nat West, the payment had to reach my account by a certain day. It didn't, and I was charged late fees. The fact that it was THEM that delay the payment was not a good excuse for them !!!

[hedgey06]

Hi Petris, welcome on board!

 

I'd advise you to do two seperate SARS - one for the current account, one for the credit card. Put them both in the same envelope (recorded delivery) - and await their response. Credit cards are dealt with seperately from current accounts, that's why it's best to do a seperate SAR (they'll pass this onto the correct department for further processing).

 

As for how Nat West have treated you, you have all my sympathies on this one. They're not the most understanding bunch of people are they?!

 

Best of luck, holler if you need any further help/advice!

[Petris]

Thank you hedgey06 !

 

I am going to put the SARS in the post tomorrow.

 

VISA late payment fees is what really matters for me. I have been charged almost every other month, although I always pay by the due day ... but somehow I get them.

 

.... and I am a "gold member", what a treat.

[Petris]

Hello hedgey06 !

 

Guess what?

NatWest has not fully comply with my SARS request.

I sudmitted two SARS as you adviced on 29/08/07. I received a letter back from NATWEST telling me that a list of my transactions and charges will be sent to me ASAP.

 

Indeed my current account transactions arrived within 10 days. The credit card transactions (where they suck my blood with late charges for 7 years) have not arrived yet.

 

On the 17/10/07 I wrote another letter to NATWEST telling them that the 40 days period has now passed and they are in breach of the Data Protection Act.

 

In the letter I also wrote that I understand that bureaucratic mistakes do happen and I gave NATWEST another 12 days (until 29/10/07) to comply with my request.

 

.. no news yet !

 

What do I do now ?

 

Regards

 

Petris

[Petris]

Hello hedgey06 !

 

Guess what?

NatWest has not fully comply with my SARS request.

I submitted two SARS as you adviced on 29/08/07. I received a letter back from NatWest telling me that a list of my transactions and charges will be sent to me ASAP.

 

Indeed my current account transactions arrived within 10 days. The credit card transactions (where they suck my blood with late charges for 7 years) have not arrived yet.

 

On the 17/10/07 I wrote another letter to NatWest telling them that the 40 days period has now passed and they are in breach of the Data Protection Act.

 

In the letter I also wrote that I understand that bureaucratic mistakes do happen and I gave NatWest another 12 days (until 29/10/07) to comply with my request.

 

.. no news yet !

 

What do I do now ?

 

Regards

 

Petris

[hedgey06]

Hi Petris,

 

This doesn't surprise me to be honest - the surprising part of your post is that they've managed to comply with your request to send the current account statements!

 

First things first, you need to get serious with them with regards to the non-compliance on your credit card. Send them the next letter from this link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html. If they fail to comply - it's time to file at court with them!

 

With regards to the current account statement though, have a look through here http://www.consumeractiongroup.co.uk/forum/natwest-bank/105227-nat-west-claimants-new.html as you can get started on this claim whilst you're waiting for them to comply with the credit card account.

 

Just a thought, but it may be worthwhile sending a copy of the SAR and subsequent non-compliance letter (plus a copy of the second letter threatening court action) to the credit card address (is it the southend-on-sea address?) as Nat West have been pretty complacent lately when it comes to sending information. Probably got something to do with the OFT test case as they seem to think we're all sloping off - but little do they know! So send them a copy of everything just in case! x

[Petris]

Hi Hedgey69,

 

First of all THANK YOU for replying back so fast.

 

They have not overcharge me or penalise me that much on my current account (less than £150). The credit card is where they have been sucking my blood.

 

I already sent them a "threatening letter" of my own, which was pretty much similar to the ones the Action Group recomends.

 

Now, I think I will sent the credit card a letter .. or two.

 

What I want to know is if I can take NatWest to court for not complying with my request. Is it possible and is it worth it ?

 

Anybody else took them to court for that ?

 

Regards

 

Petris

[hedgey06]

Hi Petris,

 

People have been successful taking them to court for non-compliance of the Data Protection Act, but I'd advise you to try everything possible to get the information from them before attempting this as it's a difficult road to travel.

 

Before you do anything, send them the second non-compliance letter (in the link above) but send everything that you've already sent with regards to the credit card account to the actual credit card address as very often Edinburgh don't pass the details on. They should, but they don't. So if you send them a copy of everything (including the second non-compliance letter) along with a covering letter explaining your disappointment that they haven't responded to your request - you'll have done everthing possible to recover your statements/data (make sure you keep a copy of everything that you send to them as well - and send recorded or special delivery!).

 

I have a feeling that if you send the above off tomorrow to the nat west credit card address you may well hear something within the next week to 2 weeks.

 

Keep us posted hun. x

[Petris]

Hi hedgey06,

 

I did what you said and I send everything (previous letters etc.) to the Southend-on-sea address. Two weeks passed and no answer.

 

I believe non-compliance with the Data Pr. Act puts Nat west in a tight spot. Shall I take them to court, and if yes how and which court should I go ?

 

Do other people have the same experience with me?

Have they gone to court ?

Is the breach of the Data Pr. Act taken seriously in the courts or they will laugh on my face ?

 

Please advice, and a BIG thank you again.

 

Regards

 

Petris

[sallysas]

Have a look here for your next few steps.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

[WendyB]

With the credit card side of things, my hubby sent an SAR to Natwest Card Services, Southend on Sea and didn't get statements back, but got a convenient printout of all charges on his account, month by month, nicely totalled up at the end. It made filling in the spreadsheet dead easy.

They made him a paltry offer after Prelim, same again after LBA. Filed N1, Cobblers got on the case, made him a slightly better offer. I spoke to Cobblers (she was very nice), made them an offer of paying up or going to court, and they paid up. Got the cheque within a week.

So keep on with the credit card case, you will definitely win.