Al v Natwest

[bigal8000]

Hi all, before I start with some questions I would just like to say a thank you to the people who have put this site together and all the posters that have helped people over the last few years, I think its fantastic that people still want to help each other ( power to the people) J. Right my name is al and I am going to reclaim my charged for the last 6 year on 2 of my natwest accounts, I am disabled and have been since the age of 16, I have got to the point that I have had to give up work, so with this time I have read as much as I can take in every day since I joined this forum and I have just a few questions so I can get my claim started.

Question 1: what address do I send my subject access request I have natwest, 135 bishopsgate, London, EC2M 3UR. Is this correct?

Question 2: Can I send for info on both my account with just the one payment, I think I can but this is just a check up.

Question 3: This ones for the future, I get DLA, income support, incapacity benefit and my wife gets carers allowance for me, will this mean that I will not have to pay the £30 to £120 small claims costs when I take natwest to court.

I thank you all in advance for any info, I will start this thread al V natwest and will post on every thing that happens from start to finish.

[Guest NATTIE]

1) address at Goggarburn

2) yes

3) I believe the answer is yes.

 

Welcome to the CAG family and the NatWest forum

[bigal8000]

Thanks for the quick response nattie, that address would be:

Mr Alex Lyons

Data Protection Manager

Retail Regulatory Risk

2nd Floor

Business House B

GOGARBUREN

P.O.Box 1000

EDINBURGH EH12 1HQ

Thanks for the help al.

[Guest NATTIE]

yes

[bigal8000]

Hi all, I sent my subject access request yesterday (04-02-07) reg post, will keep everyone posted every step of the way.

[hughes690]

Good on ya, AL - Wish you well!

[OldBear]

Good luck, Al; hopefully, you'll be fine.

 

Since you're on benefits, it might be in your interest to read this thread (link below) and maybe even get the 'don't touch my benefits letter' therein off to NatWest.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/36790-bank-taking-your-benefits.html

 

OB

[bigal8000]

Yeah oldbear i have seen the post about benefits and was going to take a look into that side of things, the last 4 weeks ive had about £150 taken out in charges, i've really been working hard on keeping my money up but what with xmas & and other things its been hard (2 kids etc). I did give natwest a call about giving the charges back to me, but no joy. That was it for me i had been thinking about reclaiming since july 06 time but never done anything, once i got off the phone last week i was so mad and here i am on this great forum.

[Bigmac versus]

And you will have them returned regardless of what they tell you.

[OldBear]

Yeah oldbear i have seen the post about benefits and was going to take a look into that side of things, the last 4 weeks ive had about £150 taken out in charges

First order of business then, Al, is to get a copy of Martin's letter off to them. Get them to stop taking your benefits now, mate.

 

I did give NatWest a call about giving the charges back to me, but no joy.

I get a funny feeling that they are soon going to change their mind about that.

 

OB

[bigal8000]

Will do oldbear, was just looking at the court bundle , once again thanks for all for the support.

[bigal8000]

Hi all, just a quick update I have had one lot of statements for my first account, I have got £707 in unfair charges up until the 30/11/2005 when I had to stop working and all money stopped going into the account. Right the only problem ive got is a charge of £28 is still being applied to my account every month. I have come to an arrangement with them to pay off £70 a month but this charge still seems to crop up, i have now got my account down from -£750 to -£450 (I had a £300 overdraft) now the only reason it got to -£750 is because of this £28 charge, firstly I understand that at the moment the -£450 is not my money but in a few month when I get the balance back to £0 then it would be (if that makes sense) how do I go about claiming on this ? ( the £707 is when I was still paying my wages in the bank). Hope someone can help me on this ( if you understand what I am saying).

Just a quick point no adv gold on this account.

Thanks for any help upfront.

[bigal8000]

Hi all, had my second lot of statements today from my main account, I started to work out all the charges, took out all the adv gold fees and ended up with £5370 in unfair charges I just could not believe natwest has taken that amount in the last few years. So prelim will be going off tomorrow , wish me luck.

Just a quick one, could someone look at the post above and give me some advise on my other natwest account.

Cheers all.

[Guest NATTIE]

blimey, they are paying out a lot earlier now so send prelim with schedule of charges

[bigal8000]

Hi all just a quick update, sent my prelim off on the 15th Feb for just over 5k, had a letter today from mr higley saying:

Dear bigal

Your complaint regarding charges has been passed to me and I am sorry we have been unable to reach an agreement with you.

I am sorry that we have not yet been able to respond to you and would ask that you bear with us in the meantime. We are currently investigating and will respond to you as soon as possible.

Thank you for your patience to date.

Has anyone else had this letter? Anyway will be sending LBA on Tuesday no matter what.

Cheers all

[tridge]

Hi bigal800

 

'Right the only problem ive got is a charge of £28 is still being applied to my account every month'

This charge is an unarranged borrowing fee which you can claim back. I cannot offer much more help than this, have only just started on this process my self.

 

Good luck