saint-luco v natwest **WON**

[saint-luco]

S.A.R - (Subject Access Request) sent oct 17

 

 

have just seen "REFERRAL CHARGE FOR SEPTEMBER" cannot find this in, what can i claim for section,

can i claim? any advice please

[katesage]

Referral charges are reclaimable, its the fee they charge you if they clear something when you have insufficient funds.

Read Natweststaffmembers 'Sticky' thread at the top of the forum. It has all the info on reclaimable charges.

good luck

[saint-luco]

thanks kate, did find it. have spent hours reading this site, bit baffling but in getting there:confused:

[saint-luco]

today recieved ackowledgement of s.a.r request & reciept for £10

[saint-luco]

Got home last night after watching super saints win 2-0, and there it was, on the door mat, the now famous brown,torn envelope. had a quick look, lots of charges. will keep you informed

[katesage]

Go Go Saint Luco!

 

 

Hope you have fun totalling them all up! Bet you never thought you would find bank statements so fascinating?!

 

good luck and let us know when your ready to send prelim:-)

[saint-luco]

lol nice one kate, absolutely fascinating, nothing like sitting in front of a real fire ,on a cold night, with a good read

[saint-luco]

due to work commitments just finnished counting, comes to £4465!!!! thats since jan 2002. over £1100 per year GUTTED, didnt realise they were taking so much

[ataction]

With interest you will find your claim is over £5000, therefore outside the small claims jurisdiction

[saint-luco]

thats what i thought not sure what to do maybe i can split the claim, any ideas anyone?

[cheddar]

I thought it was the amount before interest? Thus making it small claims? Can a mod please clear this up?

[ataction]

You could split it, or just go for the full amount. The outcome will be the same, though there is some differance in the allocation of costs, but you will get them all back (if) when you win.

[ataction]

From previous posts there seem to be slightly differing views on this. Clarification would be good.

[saint-luco]

ive been searching like mad cant find it at the moment but I WILL

[cheddar]

Search around and if you can't get more info in a day or 2 then pm a mod or site helper to help you.

[saint-luco]

Thanks Cheddar Will Do

[saint-luco]

well we can all do it. I MADE A MISTAKE. DOH!!!, i forgot to take off the advantage gold charges. the new total charged is £ 4166, they had also given me a refund of £80 in 2003,( nice of them) now i want a little bit more please

[saint-luco]

well thats it now, worked everthing out printed it all off ready to send tomorrow, checked my account online this morning ANOTHER £28 CHARGE, new total claiming is £4194, didnt bother adding the interest not sure how to use spreadsheets, but i will learn, at least this can stay on the small claims track.

will be sending prelim letter tomorrow morning recorded delivery.;-)

[saint-luco]

sent prelim 6th nov. recieved 7th, have recieved nothing yet, must be ignoring me, so gonna type l.b.a today to send on monday, no doubt that will be ignored as well, starting on cap1 next week

[katesage]

have a practice with the spreadsheet while you are waiting for responses on your letters..because you WILL need it at MCOL/court stage...to be able to add on the Section 69 interest at 8%.

The simple spreadsheet will do this for you with no difficulty.

 

As for not bothering with the other interest...it's entirely your call...I didn't because it was £37 on a £2500 claim...but I did work out the spreadsheet just so I felt more 'in control' of the whole situation.

 

On your claim the 8% interest will mount up to an awful lot;)

 

good luck in the meantime with the LBA

 

kate

[saint-luco]

righto kate that'l give me something to do while listening to the saints this p.m

[katesage]

errr the All Saints????

 

not a sporty gal meself:rolleyes:

[saint-luco]

rolls eyes back

[saint-luco]

well that seems easy enough all i did was paste my list of charges to the works simple spreadsheet & it did it all, the interest comes to over £700 which takes it over £5000 so does that mean i cant go to small claims????

[katesage]

no, the section 69 interest does not count when determining the track that your claim will be allocated to.

 

kate:)

 

nice bonus eh?!