Ok, what is that and what doed it do?

I asked for all statements and manual intervention although i notice now we only listed the bank account number and not the loan account number therefore i intend to S.A.R - (Subject Access Request) them again with both account numbers at the top, then they should send us everything... if i still dont receive anything regarding the loan i will send the non compliance letter out and see what they come up with then... As far as claiming back charges i have prepared the SAR as mentioned above as a whole year has passed by since we first started looking at it (the first time round i did not have a clue what i was doing but now have a clearer idea of what i am suposed to do) Once i receive the statements through i will add in the charges for the last year in the spreadsheet Although i presume the charges from 2001/2002 will drop off the end now and i cannot claim them any longer?? I will keep you posted on where i get with this

Im just looking into the bank charges, I started looking at it a while ago but got too confused by it all. The loan did not have any insurance on it as i have previously had a loan with insurance and when i was made redundent i rang and they sent me a form but it was as thick as the argos book and i gave up filling it out in the end

Hi there, I have been trying to pay off my loan for the past couple of years and had all sorts of problems with the bank. On the grand scheme of things my credit record is terrible and i know it, there is one default on there, loads and loads of missed payments etc etc as I was unemployed for a while last year and struggled to get by. Having said this my bank still keeps insisting that i consolidate my overdraft with my loan and take out another loan... I appears to me that they don't have my original loan application and want me to take out a new loan so they have my signature. I think this due to previously doing a SAR and not getting anything back as far as my loan paperwork is concerned. Where do i stand with this, can i ask them for a copy of the orignal papers and if they dont come up with them refuse to pay?? Thanks, Syd83

Crackles on the line are more often than not due to corrosion on terminals, or damage in the wire called a HR DIS (Hi-Resistance Disconnection) a line test will not pick this up Is your line fed from a pole? The call out charge isnt stupid, think about it, an Openreach engineer comes out to find that your phones not plugged in (and yes that happens). Remember his wages, plus costs of fuel, van, road tax etc.

During my term of unemployment i was unable to meet the payments on my loan. I informed the bank that once i began my new job i would pay these back and due to the fact that they are completely useless, by the time they had decided to do anything about the arrears i had begun the job. Once i got paid i went to the bank in the city centre and made an agreement witha young girl there that i would pay £100 there and then followed by monthly payments of £400 plus the £218.25 until the arrears were cleared. They took the £100 but then i got loads of text messages asking me to call them. After numerous phone calls and trips to the bank i discovered that there were no notes of our visit to the bank on my records and that there was no way that she could have made an agreement like that as it is the lending centre that deal with it. After more text messages asking me to ring them i finally got through to Jessica who said that the first agreement wouldnt have been accepted because the arrears have to be paid in full so we made an agreement that she would increase my overdraft to cover the arrears and on the first of each month my overdraft would decrease by £250 until it reaches £500. We had a copy of this agreement through the post along with the terms and conditions and assumed that they would reinstate the direct debit to cover the monthly payments as we had asked her to do. I checked my bank yesterday and found that my overdraft had dissapeared then i got another text message to call them, so did and asked them to call me back - the kind woman said she would in two minutes and took my mobile number.... half an hour later we got fed up of waiting and rang them back. We spoke to Daniel who confirmed that the overdraft had been reduced to the usual £500 as the original agreement wasnt kept too as i had missed the payment on my loan this month and also that it did not incorporate any charges or interest. I tried to inform them that there was no mention of anything he said in the terms and conditions of the agreement, that i had asked Jessica to reinstate the direct debit as part of the agreement and that if one of his colleagues has made an agreement they should honour this... He proceeded to talk utter rubbish which completely confused me and i asked to speak to a manager (He asked me what the problem was!!!) After being on hold for another 10 mins we got back to him who said he couldnt get through to a manager and that he could reinstate my overdraft but not to £1750, it would have to be £1800 and something to cover all charges and interest. He said he would do that now and also remove the £28 charge for being over my overdraft (as that was their fault) and would send a new agreement out in the post. Where do i stand, could i take them to small claims court? If so how would i go about this... we have not had a copy of the original agreement when we sent of the SAR and will be sending the next letter through shortly. Thanks

Hi, can anyone answer the above? Natwest just sent me 2 packs of statements that are the same, shouldn't i have had loan agreements, notes, letters etc ?

Well this has been resolved, they agreed to extende my overdraft from £500 to £1700 and use £1200 to pay off my arrears, leaving me with the £500 left on overdraft that I would normally have. This O/D will reduce by £250 a month until its back to £500. Visiting the branch i am told "it is beyond us, there is nothing we can do, even the manager would say that too so there is no point getting her involved, you need to ring up" I am getting angry about the amount of times I've called up, been promised a call back, and never got it. Then the next operator I speak to says there are no recent notes on my account so show i've spoken to anyone. It makes me look like a joker. I want to write a letter of complaint but have no idea how to word it

Hello everyone, Right, I am not the best at writing things like this, so bear with me! I am a Natwest Advantage Gold customer, and have a personal loan with them too. In April I was layed off from work, and found it tricky to make the payments on the loan, I found a new job, however the start date wasnt until the middle of September. I didnt have payment protection on my loan, and some DD's failed resulting in charges, i was told by the bank to cancel any DD's to save me getting charged all the time, so I did. I explained my situation to the bank over the phone, and they offered me a consolodation loan to cover my exsisting loan and overdraft, but would take all my debit cards away. I didnt fancy this so declined it. Having visited the branch to explain myself and giving them the plan i want she (at the branch) submitted my request with a promise of a telephone call to confirm everything was ok. However no telephone call but the payment has come from my account, so thats confirmation they like my idea. The idea was, a £100 token payment, at the end of this month (Oct) i would start paying the £218.25 a month with an extra min of £400 a month on top to clear the £900 (or so) arrears. I've had a letter saying clear your arrears in 10 days or else pretty much, not something i wanted, and i have no way of clearing the arrears just yet, not in full. Having been to see the bank today (20/10/07) i was told there is nothing the branch can do, it all needs be be done over the telephone with the Lending Centre which dont work Saturdays. Now everytime i call up, i get told to see the branch, or the operator takes details and "puts them on the system" but when i call next time there are no notes, making me out to be a lier. I must have spent ages on the phone to them. I am going around in circles, the next call i will be recording, but do i have to tell them i am doing so? Another thing, back a few months ago, I sent off a SAR, and received a pile of statements for the last 6yrs, however thats all i did get, doesnt the DPA SAR entitle you to all the notes on the system, loan agreements, credit card details etc? Any help welcome, and i hope someone can help Thanks in advance Syd

sar will be in the post within the next 7 days

it might be good news that it will go by 2009, but i want to buy a house in 2008, and having a default wont do me favs with lenders, i dont fancy 8% interest on a 125k loan ! I will be sending a SAR in to get any info they hold

Even tho its now one day past 12 months ??

at the time i rang Acer - it was about 19.5 hrs out of warranty !

Hiya ! My luck just doesnt get any better..... My girlfriend bout an Acer Laptop from Tesco costing £449.94 on the 4th September 2006 (at the time of me posting - One year ago, yesterday) The laptop developed a fault with the HDD (Hard Disc Drive) where windows could not find the disc, we spent hours getting all the pictures off with special recovery software etc. We got what we wanted. The machine went back for repair, and came back with a new HDD however this drive was making lots of clicking noises, a quick google search shows that this is known as the click of death, something to do with the disc not keeping the correct speed, and the advice was to get all your info off and get a new drive. I called acer again on the 0870 number, and reported that fault. as i was packing it i shoved a note in the box to say have a look at the right hand speaker because its stopped working. The machine came back and the right speaker wasnt working and the hard drive still made a clicking noise, all be it not so often. Now i rang up on the day it came back to moan that the speaker wasnt fixed. they said there was nothing on the computer and the tech guy wont touch it if its not on the computer, so no one reads the notes. I've been busy over the last few days, and called them this morning to get the "Case ID" number, and report a fault that has just started, not working at all, the charger is fine, test that ok, but it will not power up on mains. Acer said too bad about that, you will need to pay for that, be we will repair the previously reported problems, these being the HDD and speaker. Which will still leave me with a dead laptop. The tech guy said go out and buy another charger, no. the charger is fine I tested it, and tried another of the same spec with no results. its the jack on the motherboard, same happened to my old Advent machine. He said they will charge to fix that, about £200 for a motherboard, but laptops can be bought for £260 new, a branded name like Hewlett Packard. What is the best course of action, this laptop causes us nothing but anger, i would be more happy for it to be used as a door stop Any help welcome Thanks in advance

Hiya !! Righty ho, I recently found the guide to getting defaults removed, and sent one off to Vodafone, and NatWest Credit Cards. So in response to the 1st letter i sent off, I received this: Dear XXXXXXX Re: Billing Account Number: XXXXXXXXXXX Thankyou for your letter regarding the entry to your credit file recorded by Vodafone. I would advise that the Vodafone Limited airtime agreement is not a regulated product for the purposes of the Consumer Credit Act 1974. Vodafone Limited is therefore not obliged to send you the documents requested. Furthermore, Vodafone Limited will not provide the documents that you are demanding nor are we bound by the timeframes that you have set out. However, in light of the fact you appear to be concerned about a default placed on your credit reference record as a consequence of information provided to credit reference agencies, we have reviewed this matter and would advise that we consider this default in question to be warranted for the following reasons: Account Number: XXXXXXXX Started on: 30th April 2003 Terminated on: 23rd July 2003 This account was connected via Phones 4 U to Vodafone - Mobile 077XXXXXX Vodafone acquired the operation of Singlepoint who were the parent company of Phones 4 U in early 2005. This involves administration of accounts active or otherwise. There were various attempts to contact you regarding the outstanding debt, with the final letter being sent on the 23rd September 2003. A copy is enclosed. There was no payment forthcoming at this time and subsequntly a default reorded. We will therefore not be asking for this default removed from your credit reference record. should you have any further, specific queries please contact me directly at the above address above or call 01295 818 131 Yours sincrely Nick Southam Quality Assurance Right............. here is a copy of that final letter that was sent to me Dear customer Account Number: XXXXXXXXXX Outstanding Balance: £164.20 We have not received a response to our previous letters asking for payment of the outstanding balance on your account, consequently your mobile phone service has been disconnected from the date of this letter. To avoid further action you must pay the outstanding balance immediately. The line rental for the remainder of your contract will also be due. Please make your cheque payable to "Singlepoint Payment Services LTD" and write your mobile telephone account number on the back. If we do not receive payment in full ommediately we will pass your account to an external debt collecetion agency who will take action to recover the money on our behalf. If your account remains unpaid, we are obliged to share this information with credit reference agencies. This may affect you ablility to gain credit in the future. To prevent us from taking this action you must call us immediately on 0870 9000 700 quoting reference "XXX" and settle your account. Even if you think that the information we have is incorrect please call us so that your account can be put on hold to enable us to investigate any problem Yours sincerely [signature] CUSTOMER SERVICES So there we have it..... No i think i will be sending a £10 cheque off and getting anything they have under the Data Protection Act, unless anyone knows any other method. I am just checking my "Checkmyfile.com" which reports: Accountholder status:Normal Start date:30th April 2003 End Date:1st September 2003 Account type:Telecommunications supplier Account status: Default Last updated:1st September 2003 Current balance:£0 Payment start date:30th April 2003 Account start date:30th April 2003 Account end date:1st September 2003 Number of repayments:12 Repayment frequency:Monthly Lump payment:£0 Default date:4th September 2003 Original default balance:£421 Term balance:£0 Default satisfied date:1st August 2003