Loopyloopy v Natwest

[shakespeare62]

Lisa, do you have any spreadsheet software e.g. Excel or Open Office ? (Open Office is free and available for both Windows and Linux platforms)

 

I'm thinking Andy may want some layout like this which is easily sorted :-

 

Statmement Date      Credit               Debit         Reference        Comments

10 Feb 2004          20,150.00                         NWB loan funds
10 Feb 2004                               4,691.09      repay loan
10 Feb 2004                               10,154.99     repay loan

etc ......... 
                     __________       _________
       Total Credit 20,150.00          14,846.08     Total Debit
                     ___________      _________

Edited March 24, 2009 by shakespeare62

[shakespeare62]

I think this would make it easier to explain to the Court i.e. including the exact date in the month, along with the RatsNest reference for it.

 

Once you've put it in a spreadsheet, you can sort it by date, add up totals for credit and debit for a given period easily etc.

 

To display it on this Thread...you could attach your document using the edit --advanced options or just copy and paste your data into the reply box and wrap it in PHP tags (another advance edit option) - I mean we can work out the display stuff once you've got the figures laid out.

 

This is the way Accountants would lay out such figures. This is the way to "scr*w" the opposition. We want you to win.

 

Just dumping a load of unorganized figures in front of the judge may cause the old boy's or old girl's eyes to glaze over ... and they may not be bothered to try and work it all out. Make it easy for them to understand and they might make the effort as they won't want to look 'stupid'...

 

I'll try and help - if you're not sure about using a spreadsheet...

Edited March 24, 2009 by shakespeare62

[loopyloopy]

I dont have that software on my computer as its only a notebook I use and limited space I will have a look online and see what I can find to download.

Thanks

[loopyloopy]

I have microsoft works so either have microsoft spreadsheet if that will work.

[loopyloopy]

Should I also do the spreadsheet from the 09th Feb 2004 (The loan they are claiming for)

[AndyOrch]

Thanks for you continued support Shakespeare you understand where im going with this.Lisa i need date loan amount till we get to the P.O.C amount thats all nothing less and the list of repayments which you have already supplied.

Nothing

more to do till we recieve Ratsnest disclosure list so as i have stated before dont let this consume your time.I deal with this weekin week out.

 

 

Regards

 

Andy

[AndyOrch]

We will need for you to document the above for your disclosure list

 

andy

[shakespeare62]

Lisa...I think that would be fine. You've been making a big effort. Yes if you can put in everything from 9th Feb (or as Andy advises) Spreadsheets are really useful for manipulating data.

 

Hopefully Andy will be back on later today to give you more advice. I need to be offline shortly - I'll check back later. Sorry just spotted he's back on !

[loopyloopy]

I have completed a spreadsheet of my husbands current account with natwest included are all transactions relevant to the loan. These have been taken from all statements sent to us from IRWIN and Mitchell they have said they are unable to go back any further with the statements when requested.

 

I am just about to complete a spreadsheet of the loan account they are claiming for.

n.xls

[loopyloopy]

Here is the loan statment spreadsheet, the two payments made through payplan are not on here..

LS.xls

[AndyOrch]

Ok Lisa thats fine you concentrate on the amounts and payments and I will sort the legal.Which statements do you have loan account or current account?

 

Regards

 

Andy

[loopyloopy]

I have loan account statements from the 10th Febuary 2004 (When the loan was refinanced I assume they opened a new account) and current account statements from October 2002 (Although my husbands original loan was taken out before this date) I have asked Irwin and Mitchell to supply statements back further than that but they have said they are unable to.

[loopyloopy]

Do the links work to the spreadsheet I did?

[AndyOrch]

Yes Lisa they are excellent hows the baby by the way?

 

Regards

 

Andy

[yourbank]

I have loan account statements from the 10th Febuary 2004 (When the loan was refinanced I assume they opened a new account) and current account statements from October 2002 (Although my husbands original loan was taken out before this date) I have asked Irwin and Mitchell to supply statements back further than that but they have said they are unable to.

That is shockingly rubbish by NatWest. This is late in the day but they can get you statements for a lot further back than that. Is it worth me muddying the waters by posting EXACTLY how they can do that? or not?

[loopyloopy]

Yes he is really well during the day anyway night time is a differant matter altogeter LOL, My other two children are 5 and 3 and I kind of forgot what it is like to have a baby in the house. Im getting bored already though of being at home and cannot wait until the end of August to get back to work and get my teeth stuck into something, We are hoping if everything goes ok with this that hubby can give up work and stay at home with the kids as I earn loads more than him now and childcare will cost a fortune with 3 kids

[AndyOrch]

Thank you for your input Yourbank i am aware that NW hold info further than Mitchells have stated I myself have gone back to 12 years after pressure

 

Regards

 

Andy

[loopyloopy]

oops look like we posted at the same time, Im not sure if it would be more beneficial to us or not to have details of payments made since hubby took the first loan out with natwest. They a

[loopyloopy]

claiming that each time the loan was refinanced a new loan was infact started making any previous contracts invalid.. if that makes sense.

[AndyOrch]

Late in the day may i suggest a full SAR cost you £10.00 but e need to unravel this mess

 

Regards

 

Andy

[yourbank]

Thank you for your input Yourbank i am aware that NW hold info further than Mitchells have stated I myself have gone back to 12 years after pressure

 

Regards

 

Andy

 

1991/92 they can go back on information. The October 2002 is a lame attempt. That is to the time of migration(NatWest Group IT system to RBoS Group IT system). First ever guide I wrote here under Nattie was about how to get statements from the point of view of the person ordering them. You want the instruction here?

[AndyOrch]

Thank you Yourbank;)

 

Regards

 

andy

[yourbank]

http://www.consumeractiongroup.co.uk/forum/natwest-bank/16402-how-order-copy-statements.html

(original thread). However, from the branch they type in

Back Office 04, 45 that has a menu of which they order statements(see above thread for how to order and what to do--three months at a time so it is time consuming ordering them). Unfortunately, where the office that deals with SARs do not have the exact same system so for reference, its the NatWest Archive(all of which I have posted on forums prior to this post).

[loopyloopy]

We are not sure exactly when the first loan was taken out with NATWEST, We are 80% sure that it was in 2000, I will print of the a SAR and post it tomorrow, or do you think a local branch will be able to print statements that far back?

[AndyOrch]

There you have it Lisa from the horses mouth so to speak thank you Yourbank

 

Regards

 

Andy