37 minutes ago, unclebulgaria67 said:

Amazon within their rights to refuse you as a customer due to problems with deliveries. Not your fault, but someone is taking your packages.

 

Amazon don't have to provide a description of the person taking your packages. They are not going to ask the Courier driver to try to remember as they deliver a large number of packages each day.  

 

See if you can find a local shop on the Amazon list of places they can deliver to and ask  Amazon if they will accept you as a customer if you always use the local shop delivery point.

 

 

Thanks for your response I have reported the crime to the police today, and got a crime number but it so unfair. Thanks again

Hello Ladies and Gentlemen

Sorry to disturb you all but I was wondering if I could get some help I have had my amazon account since 2009 and I have only got refunds in the past except for two times in November  2016 for books that never arrived, 

However with Covid-19/Lockdown from April onwards I was ordering alot from Amazon, when ordering a message would state that because of Covid-19 deliveries would take longer than usual which I accepted most of my orders I received (when the Post man leaves a red calling card for me to collect my items at the depot or when it small enough for the items to inside my external mailbox) but a few I didn't I realised that quite a bit of time had gone past I would message Amazon on their customer service chat and they would tell me that I had received the items which I was adamant that I hadn't and I was offered  a refund I accepted in early August

I was sent a a message from Amazon saying they have noticed that I have been refunded for a lot of items and whilst they accept a 'occasional' missing item if I claimed anymore refunds I would not be able to purchase anything from there website I totally accepted and understood I responded that I have told you in years past that my actual house door and mailbox are situated more than 100 yards apart and last week I came from work and found my external mailbox damaged and broken into,

When I checked amazon to see when my Amazon items would arrive to my horror it stated 'Handed to Resident' on the very same day I came home from work and my mailbox damaged and broken into (as Amazon made it clear that if I made any refunds requests they would close my account)

I sent an message on the Amazon chat and an email to Amazon asking could they inform me (description) of who the person the delivery driver handed the items too I made it clear I was not asking for a refund just information on who this person as I believe person is behind my missing Amazon parcels/items and damaged mailbox the following day I receive an email saying that my Amazon account has been closed which totally threw me.

I was dumbstruck I informed Amazon I was at work at the time so I couldn't possibly have been the person the items handed to as I am the sole occupant of my flat. I emailed the Amazon account specialist asking for explanation they said I have made too many refunds requests (despite not asking for a refund for the latest item going missing so my account is closed)  I get the Manager at work to write me a letter confirming my whereabouts which at work from 9AM-5PM  and send to amazon and asked them to inform they could they tell me (description) who took my items but Amazon will not still release information on who took the parcels, I went to the police as I wanted to report this as a crime but the police told me it just lost property.

I would like to ask CAG is there anything I can do to compel Amazon to instruct there delivery driver to inform me who receive my items even though I provided proof I was not at home address when the item was said to be delivered?

How can they breach data protection issues by giving you a recording of your own conversation with them

 

Have you been into a branch yet to listen to it. You can write out a transcript of the call for your records.

 

8-)

I do know if this good or bad news to be honest!!!!!!!!!!

Slick you are not going to believe this but I recieved a letter ou of the blue telling me they have written off my loan, I did'nt ask them to do that however due to mistakes NatWest/RBS has left me with

a bad credit history nad no other hight street bank will accept me due to the false defaults on my account and my account being takem to recovery stage they still will not let listen to phone conversation they falsey transcripted.

Have you kept your communication with them in writing only. If you are talk to them by phone without recording the conversations, you are compromising any case you want to build about this.

 

Have you sent them a formal SAR yet. If you do, they have only 2 choices:-

 

1. To send you the specific recording that you ask for.

 

2. To accept that they have no proof to back up their transcript.

 

8-)

‘Touche’ I believe is the word or is it ‘checkmate’ Slick you are amazing you never guess what now they can let me hear the conversation in one of there branches,however they will not allow me a copy of it for my own personal record due to data protection, oh yeah what silly reasoning………………..

They cannot repudiate your transcript of the call unless they have a recording or their own notes of the tel con.

 

Tell them this and demand a copy of their recording and/or their file notes as part of an SAR.

 

8)

thanks so much slick I have stated this to them and it seem to be having a strange effect all of a sudden they will not release the recording as they know it will contradit with the false transcript they sent me if they think they getting away with it the got another thing coming.

thanks once again slick

Hi IWHI,

 

If you haven't already done so, you can send the bank a SAR for data they hold about you. If you want phone recordings, you can specifically mention this and perhaps confirm the dates of the call logs you want.

 

SAR templates are in the library.

 

thanks Slick132 I have but the transcripted conversation they sent was falsely transcripted in favour of the bank I just woild like to know is there a legal obligation on there part to give me an recordings of the conversation.

once again thanks for you help

If you want to argue this with the bank, you have every right.

 

If the bank won't settle this how you want, you can always complain to the FOS although they take forever to investigate and often tend to side with the bank.

 

Just out of interest, what do you want to achieve with the bank in this case.

 

8-)

Thanks Slick132 and fair point thanks again for looking over my documents may I ask would you know how one obtains audio file recordings of conversations with bank? Are they legally obliged to give it to me.

Hi Iwonthaveit,

 

I refer to the documents you sent to me by PM.

 

This is not a Statutory Demand. It may be a Default Notice although there are parts of the document you have covered so I can't confirm this.

 

It looks like you have a loan a/c and the bank is saying there are arrears.

 

You are not happy because they have refunded over £1200 to the a/c for a refund of PPI but do not regard this as a substitute for the monthly payments they expect you to make to the a/c.

 

I don't know if you can successfully argue that you don't need to make the monthly repayment(s) because of the PPI refund.

 

If you can make the payments required, do so to avoid further trouble and adverse data going on your credit files.

 

If you can't make the required pay'ts, contact the bank in writing saying you want the refund to be accepted as your monthly repayment for whatever month and you'll make the next pay't on time.

 

Does this make sense.

 

Reply on thread and not by PM as I may miss this.

 

8-)

But when a formal Demand is issued I am still entitled to 14 days til expiry the fact is they deactivated my account on the 17th Jan then after sent me this Formal Demand I am trying to get Natwest to admit that was they sent was a Formal Demand.

I am very sure a demand for payment is supposed to be made (step 1) first then after the customer lapse the 14 days and still does not rectify the situation (step 2) then it sent to recovery and deactivated.

I see you had another thread running about this.

 

Can you stick to one thread per subject, so Q's and A's are all in the one place.

 

Thanks 8-)

Sorry!!!!

Hi I

 

FOI act only applies to public bodies.

 

x

 

 

v

thanks Vicky I knew was silly,is there anyway I can force my bank to give me information do I have to send a SAR for information on Formal Demands including Definition?

Would I find this information on a CCA or my original loan agreement I looked on the NatWest site under FAQ and done an internal search could not find unoffically I know fully well what is but I need NatWest to send me their own definition as well the offical expiry date on Formal Demands as proved they breached their own rules and sent me to the recovery dept.

Hi Iwon't,

 

I don't know of any ex NatWest workers currently posting.

 

Stat'y Demands are usually used inappropriately by banks or their DCA's, as a means to intimidate those who are not well-versed in dealing with creditors' tricks.

 

Because the SD looks very formal, creditors may feel threatened and offer to pay whatever they can to stop further action. But here at CAG, the majority of site users successfully fend off the SD by responding properly to court with an Application to Set Aside.

 

8-)

Satutory Demands have expiry dates don't they?

guys I know this is an old thread and I am not trying to hijack but I must be only person on earth allowed to take funds whilst in the collections dept but wait the reason why I was allowed to take funds out of my account was my account was at Branch level something the case handler who claims to be highly trained omitted in her final response letter.

Hi I

 

A Default Notice will be headed as such. They do send out informal notices not so headed so as to confuse you.

 

I wouldn't worry too much about any of this but do keep everything stapled to the envelopes. Arguments about faulty DNs are de minimus and only of use as part of a wider defence.

 

Can you provide more info: what kind of account, dates, issues, current status etc etc and more knowledgeable colleagues will advise.

 

x

 

v

Thanks Vicky , I more than definatly will post my story up just to update you, this may have been silly but I have asked NatWest to give me information on Formal Demands including Definition under the Freedom of Information Act and if they don't I will seek remedy they have 40 working day as the definition of a default notice is in the public interest, as I can no longer accept this dispicable behaviour from Britain's so-called Most Helpful Bank

Guys when you complain to financial Ombudsman about a bank in my case NatWest can you claim compensation as I have been treated badly by NatWest

– for hurt feeling and stress: as I have felt so helpless since this whole thing took of and I dare say suicidal

-inconvenicences:I am having bailiffs chasing me as I have been unable to pay my bills since they deactivated my account, the PPI Company are chasing me for there fee for helping me get my PPI refunded but I cannot pay them as RBS paid my PPI compensation into my NatWest deactivated account and they have taken those funds to pay for credit I owe them for, you know the real funny thing is that my PPI was paid into my account 10 days after my Formal Demand was issued, NatWest are so greedy they didn’t even let my default notice fully expired (its 14 days from date of issue) so technically I did satisfy my arrears but they still passed me to the Recovery Dept (yeah beggar’s belief huh).

Postage: I have spent tons envelopes, phone calls, sending letters by recorded and special delivery (that is £5.00 a time)

Any help?

If it arrived 2nd class post and she has acknowledged it.... then it's as good as served. However, if they have not complied with her request for a CCA, then the debt remains in dispute. Non-compliance of a CCA request is a complete defence in any court claim that is issued against her.

Remember the mantra :

NEVER communicate by 'phone.

Send EVERYTHING by Recorded/Special Delivery

Keep a copy of EVERYTHING sent

Keep hold of EVERYTHING received

This was featured in Watchdog a few weeks back, one major point to emerge from it is DO NOT have your credit card and bank account with the same company as they can legally dip into your bank account to recover any money owing on your credit card.

well that some good information I never knew the banks can be so slimey woah!!!!!!!!! this happened to my isa account only had six pounds in it never thought much of it till now

Pictures too small to read. Can you post a larger one with the terms and conditions?

 

When did they supply the copy agreement?

 

 

 

 

 

Send them the letter below with a tenner.

 

 

To

The Data Controller or Data Compliance Officer

*

Dear Sir or Madam

 

Re: account no ********

 

*

DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST

*

This Subject Data Access Request is made under sections 7, 8 & 9 of the Data Protection Act 1998, and by virtue of the Data Protection (Subject Access) (Fees and Miscellaneous Provisions) Regulations 2000 ( S.I.No 191).

*

 

I hereby request that you supply me with all data that you hold. This includes in particular, but is not limited to, the following: -

 

1 The original signed, executed Consumer Credit Act*agreement and any terms and conditions that applied at the time the account was opened.

 

2 Transcripts of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, to and from or by any previous creditor.

 

3 Where there has been any event in the account history over this period, which has required manual intervention by any person, I*require disclosure of any indication notes, which have either caused or resulted in that manual intervention.

 

4 True copies of any assignment and/or default notice or enforcement notice that may have been issued*sent*with a copy of proof of postage that you hold.

 

5 Documents relating to any insurance added to the account, including any title indemnity insurance contract terms and conditions, the date it was added and deleted (if applicable).

 

6 Details of any collection charges added to the account; specifically, the date it was levied, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

7 Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said charges were levied.

 

8 A genuine copy of any notice of fair use of my data*as required by the Data Protection Act 1998 and any consent that I/we*may have given to those uses

 

9 A list of third parties to whom you have disclosed my/our personal data including Credit Reference Agencies and, a summary of the nature of the information you have disclosed, the reason for this disclosure.

 

10 Copies of any statements of account for the agreement from its inception, not a record of payments*

*Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, lease provide a declaration signed by an authorised officer of your company, confirming the dates and methods of destruction of this data, and the reason for the destruction.

 

11 Full hard copy print outs of my/our personal and financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage systems/devices/locations.

 

12 Full copies of transcripts of any correspondence in postal, e-mail or any other format which you have entered into with any individual, organisation or third party which contains my personal or financial, or which pertains to me.

 

13 Details of any third party with an interest in the account.

 

14 Full details of any securitisation(s) that any of our account(s) have been*or are involved in

 

15 Full details of any assignment(s) Legal or equitable copies of proof of posting of any notification allegedly given, if given

 

*16 Any other information that you hold with regards to me/us*and/or our account.

 

17*A complete list of all transactions or statements relating to all account and applications made by me/us to and with your organisation.

*

Enclosed is the statutory maximum fee for this request of £10.

You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity please let me know by return.

*

However please note that the above address is the one which has*been used to make any and all communications with me/us with regards to my/our account information from you which has been* hitherto found acceptable.

*

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISTAION REPONSIBLE FOR DATA PROTECTION COMPLIANCE.

*

Yours sincerely

You Guys are super amazing!!!

Guys is this true that if they do not respond to this in 40 days you can report the bank to information commisioner http://www.ico.gov.uk/

Is it a Notice of Default or a Default Notice? They are two different animals.

to be honest I do not quite which but the one NatWest sent me did include what I have to pay to satisfy arrears, bt I will endeavour to post up a scanned copy of he the Notice

Hi I

 

14 working + 2 days post.

 

Natwest are normally compliant.

 

Is there any further background.

 

Welcome to CAg by the way

 

love

 

 

vic

thanks Vicky (is it ok to call you that)

I truly do not know what is wrong with that NatWest Bank, and I am never a person to complain about anything, I am trying to get an offical document stating what you just said from NatWest as when I take my case further, I am really trying to do as much groundwork as possible as I am not slagging of the FOS but I heard they can also complete shoddy investigations in favour banks and I really want to reduce the chances of that I have wrote to bank asking for an official document about the definition of Formal Demands and there expiry dates and they are intentionally taking long to answer I sent them a letter asking this February 4th by special delivery. I have looked at my original loan agreement and cannot find anything at all on it.

Hi All

Would any one know what is the expiry date of Default Notices when issued by Natwest bank?

is it 14 days from issue?

please any help would be greatly appreciated

Guys if any fellow poster need it this is a member of

NatWest

Executive Response Team

Group Customer Relations

his name is Tony Smith

email: Tony.1.Smith@rbs.co.uk

Would you by anychance know who Brian Hartzler is

Guys would anyone also know what is the difference between a informal notice and formal notice in terms of loan defaults.

guys would any one know the answer to these question when staturtory demands are issued is there a set numbers of day given to satifsy the arrears before the bank demand full repayment of the loan? i.e. if you missed three payments on a loan does the statutory demand give 14 days to satisfy the arrears before the full amount is requested, please, please, please need help on this.

does anybody know anything about Satutory Demands do you get 14 days to satisfy arrears, please any help appreciated