Good luck. I am right on your heals, so will be following your progress.

Nice one colour-me-happy, that will do for me

Thought so. I will prepare my letter and save it

I thought you might have been. I see you in almost every thread. You guys are doing a great job. I use the word job, as you must be doing more work in these forums than you do in your real jobs (but that is another thread entirely)

Is this the correct letter to send next? LETTER BEFORE ACTION http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=102 Also, do I have to wait the remainding time I gave them in the preliminary letter, or go ahead and post the letter before action?

Official response back via letter. Basically the same as everyone else: Letter dated March

lol. I had a letter today asking if I could contact the Branch Manager regarding charges. Funny because I spoke to her yesterday. This must be an automated response from India.

This is for my parachute account. I don't think I will annoy them just yet

Natwest have sent me a load of filled in paperwork to send back to them, so it may take a little longer than expected.

I just have to cuit the personal bits out of the audio. Then I will send it to you

jonni2bad, I wouldn't mind looking at the spreadsheet

LOL

TBH, I like the fact that they are not allowed in the forums due to the T&C. So if they ever bring it up, I know that they are not agreeing to the T&C of this site.

Thanks for the update. No doubt this site is generating traffic

np. It would be interesting to see if someone else comes to the same conclusion as me reading the same material. I could of got the wrong end of the stick

I must admit, I managed to hang up once, when the Branch manager phoned. I was too busy fumbling and trying to listen to her introduce herself. I guess the best way would be via hand free. Also, if you call them, they graciously give you all of that gibberish via an automated response first, so that give you time to press the button. I did practice first by calling my landline and going through the motions.

It only sounds strong because it is legal and straight to the point.

You are covered if you are with lloydsTSB as Mr McNamara said that for us

It is just that I have found these: http://security.homeoffice.gov.uk/news-and-publications1/publication-search/ripa-cop/interception-cop?view=Html (see the last section - without a warrant) and also this: http://www.retellrecorders.co.uk/legal/home.htm The key piece of information for me seems to be this quote from the above link: To me it seems quite cut and dry, that unless both parties of the telephone conversation agree to it, you are not allowed to disclose the telephone conversation to anyone else. So me informing them that It is used for training,monitoring and legal purposes covers me. I understand what you have said Bankfodder, but you must understand my situation. I have a moderator of a forum telling me one thing and I am reading an article from the homeoffice telling me another. In either case, it does not harm to tell them that I am recording. Just tell me to shut up, if I am going on, or out of order.

Sorry BankFodder, I didn't mean to step on your toes. Where did you get this information from, just so that I can be clear.

Branch manager just called and said that the £30 is going to be paid back to me, but she also said to make me aware, that it is because I am a valued customer, blah, blah, blah. I did have to spend nearly an hour on the phone however. I will upload the highlights tomorrow on mp3

Yep, you are wrong. They were completely fine saying yes. I believe that, just like a policemans notepad, the notepad itself is inabmissable as evidance, but the police man can use his notepad to read from the "jog" his memory in court. Likewise the recording for "personal use" is just that. You can record any conversation you like as long as you don't show anyone. I informed the bank that I will be using it for "training, monitoring and legal reasons". Hence I can post it here as it could be regarded as training material and it can be used for other people in the legal process as to prove no manual intervention

I have spoken to: Personal banking team Central collections Dept Concerns department Local Branch I have issued the statement "I am recording this for training, monitoring and legal reasons" and they have all said, "yes, ok". I will edit the mp3 before uploading. They all informed me (and was recorded) that no manual intervention had occured in charging me and it is purely an automated process. The personal banking person (bless him) even clarified this for me The upshot so far, is that:- Indian Call center could not do anything Passed me to Personal Banking Dept Personal Banking Dept could not do anything Passed me through to Collections Dept Collections Dept could not do anything Passed me through to Concerns Dept Concerns Dept could not do anything Passed me through to Local Branch I am now waiting for a call from the Branch Manager. They all seem quite confidant of the charges etc, etc. Once I start stating that they are breaking "Common Law, Statue and Recent Consumer Legislation", that is when they stat to say, I will just pass you on to another department.

hehe, anyway good luck with your claim. I for certain will be following along

FYI (it is in the Lloyds scetion) I have given them the warning of recording the conversation for "training and monitoring purposes". Both people were quite happy to agree, although the Indian call center lady was taken back a bit.