Account Switch**WON**

[callum.golding]

Hi there,

 

I am about to send in a SAR. I had an Advantage Gold just before Christmas but now have just a current account. I have received charges while on both of these types of accounts. Will the charges be dealt with separatley or all as one.

 

Thanks alot

[bennyowen]

If the account number is the same, then you have to treat it as the same account. Otherwise, treat as separate accounts.

 

However, if the account numbers are different, you could list the numbers within the same SAR letter if the accounts belong to the same person.

 

Send your request by RECORDED delivery.

 

GOod luck.

[callum.golding]

Just what I needed to know. Great help thanks bennyowen

[OldBear]

While you're waiting on your statements, Callum, have a read of Nattie's post about Adv Gold. You may need to separate the (unclaimable) monthly fee from the charges.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

 

Good luck, keep us all posted.

 

OB

[callum.golding]

I'm still awaiting statements. They do like to take their time dont they!!!

Good news is I won against Barclays yesterday!!!!! Hooray.......

[Guest NATTIE]

Sorry i picked this one late, with an advatage gold account when it is converted, apart from the type of account you have, nothing else changes so account number would be the same. SAR is 40 days max so we could be going overtime with this.

[callum.golding]

Hi all,

 

I got my statements today. I've gone through and calculated £1,328. I am a bit confused, on the statements it will say above almost every charge, Interest - then an amount usualy in the £5.00 region. I haven't been adding this amount on, should I, and if so do I just add it to the amount of the charge below it.

 

Hope this makes sense

 

Callum

[hedgey06]

Hi Callum, if i'm reading your post correctly - I'd assume the interest is what you're being charged for going overdraw/over your overdraft. If this is the case, you need to download one of the interest calculation spreadsheets if you'd like to claim this back. Basically, you can claim back the interest on the charges only - not the interest for any agreed overdraft that you may have. It's complicated to work out - but worthwhile if it's a few extra quid! Good luck, hedgey xxx:p

[callum.golding]

Hi Guys,

 

Slightly annoying but yesterday I sent off my LBA. Guess what? ....I get home and check my post and I recieved a letter from Natwest! Sods Law!!!

 

Anyway I'm quite concerned now as the opening line to the LBA is " I am very disappointed you have failed to respond to my letter dated 1st May 2007"

 

There letter says

 

"Thank you for your recent letter regarding the fees applied to the account. We are currently considering your claim. Given the work involved in assesing your claim we anticipate that we will be in a position to respond within 6-7 weeks, but will endeavour to do so sooner if we are able"

 

Should I write another letter and address it to the guy from Natwest explaining I've sent a letter with a 14 day deadline before filling a court case, or should I just leave it as it is and just start counting down the 14 days.

 

Thanks alot

 

C

[bennyowen]

Callum

 

You are too generous. Simply ignore their letter. They will receive your 14 days deadline on your LBA. Let them worry about it. The idea of 6-7 weeks of investigating your claim is a fob off.

 

Prepare for your court action after 14 days, waiting for 7 weeks is not recommended. That is their formula to delay things as much as possible.

[callum.golding]

I love the way they try and delay things. I think they think we will suddenly give in.

 

I actually went all the way with Barclays and it got to the sending off of the court bundle stage until they emailed me with a settlement, so I know how much they love to hold out!!!

 

I'm doing this for a friend but he does not really want to go to the court stage unfortunalely as he cannot afford the fees although you get them back. I've tried persuading him but he'd like to just take the offer (if they give one that is). I wonder how many people have done the same and the banks are laughing by getting away with only giving half the money back!!!!

[WendyB]

It doesn't matter if your friend can't afford to file at court straight away, he can wait till he's got the money to do it, I'm in the same position myself. He can always file later on. A lot of people are having to wait the 8 weeks out for the same reason. Sometimes Natwest are coming up with full amount offers, he might be lucky.

[steven4064]

I love the way they try and delay things. I think they think we will suddenly give in.

 

 

Obviously thewy don't read this site or they'd know with what respect they are viewed!!

 

Steven

 

If this post is helpful, please click the scales

[callum.golding]

No time for reading with all our claims were firing at them!!!!

[callum.golding]

No time for reading with all our claims were firing at them!!!!

[callum.golding]

Apologies for not responding to this thread and updating.....This was won in full shortly after the LBA was sent

 

THANKS for all help & advice!!!!!!!! Two Succesful claims to my name so far....and about to begin the third

 

Thanks again

[steven4064]

Well Done Callum

 

CONGRATULATIONS!

[livelylad]

Congratulations

[callum.golding]

THANKS AGAIN....nice & easy in comparison to one week before Court-date-backdown like Barclays!!!!!