DNW's UE Diary

[ken100464]

Re: DNW's UE Diary

Glad your SAR is now moving forward.

[DNW]

Re: DNW's UE Diary

Thanks SH

Good idea about the scan, I'll do that and then find out how I go about getting it refunded.

[ScabHunter]

Re: DNW's UE Diary

Question is, should I keep and file this PO for any reason or should I get it refunded via the Post Office? Will it be of any relevance at any future point if Natwest take any action?

I wouldn't think there would be any reason to keep the PO. You have proof, in the form of GnatPest's letter, that they waived the fee of their own volition and that the SAR is therefore a valid one.

If you wanted to be really safe, you could take a scan of it before handing it over. I don't see any reason to waste £10.

SH

[DNW]

Re: DNW's UE Diary

Natwest Overdraft

Name                     - Natwest
Type of account          - Overdraft
Date commenced           - Oct 2000
Approx balance           - £2,200
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. [snip]
   
2. 21/02/12 - Sent Our Templates | Unenforceability Templates | Subject Access (SAR) - Typical Request
3. 07/03/12 - Letter from Westcot - Acknowledge we have raised a query on the account and will suspend all collection activity while the matter is being investigated. (filed)
4. 08/03/12 - Token Payments ceased (as had resumed in error pending CCA type request)
5. 09/03/12 - Letter from Natwest - Acknowledge receipt of SAR but can't proceed without signed authority
6. 13/03/12 - Sent Our Templates | Unenforceability Templates | Creditor Refusal of SAR
   
7. 21/03/12 - Letter from Natwest - Thanks for your recent letter, unfortunately you haven't signed it and we therefore can't action its contents without being to verify your identity. Please sign and return the enclosed pro-forma.
   
8. 23/03/12 - Letter from Westcot - They are to refund the one interest charge added since 14th Jan (date of formal demand), however the default charge will remain in place.... We believe this resolves the dispute and look forward to your payment.
9. 30/03/12 - Sent to Natwest: Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA
10. 30/03/12 - Sent to Westcot: Part 1: allaboutFORUMS - View Single Post - Overdrafts - CCA Information
11. 12/04/12 - Received from Natwest - "As you don't want to sign the request, we can send the requested details to a nominated branch for you to collect - evidence of your identity will be required upon collection".
12. 24/04/12 - Sent to Natwest - letter informing them of the branch we wished to collect SAR from
13. 15/08/12 - Rec'd from Natwest - As we've been unable to contact you, your details have been passed to Allied International Credit - and queries should now be passed to them.
14. 15/10/12 - Rec'd from Allied International Credit - PLease contact us to discuss payment options
15. 19/10/12 - Sent to Allied (Part 2 of) Overdrafts - CCA Information - allaboutFORUMS
16. 27/10/12 - Rec'd from Allied International Credit - Please send us £1 for a copy agreement or £10 for copy statements
17. 08/11/12 - Sent letter of complaint re ignoring SAR to CEO (see post for wording allaboutFORUMS - View Single Post - DNW's UE Diary)
18. 17/11/12 - Rec'd from RBS Group Exec Office - Acknowledge my letter as above and will investigate as a matter of urgency.(Filed)
    

UPDATE


26/11/12 - Rec'd from Natwest - letter full of apologies for not yet responding to SAR, they are still in the process of compiling and once exhausted will send it all through. They've also returned the (now out of date) postal order and are waiving the fee


Question is, should I keep and file this PO for any reason or should I get it refunded via the Post Office? Will it be of any relevance at any future point if Natwest take any action?

[DNW]

Re: DNW's UE Diary

Natwest Overdraft

Name                     - Natwest
Type of account          - Overdraft
Date commenced           - Oct 2000
Approx balance           - £2,200
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 31/05/11 - Letter refusing to accept I&E form
2. 04/07/11 - Letter reminding over OD limit and chages now £6 per day
3. 12/07/11 - Letter asking for contact to discuss
4. 12/07/11 - Phone call - Natwest won't default until balance reaches -£2250. I&E completed verbally
5. 04/07/11 - Overlimit OD - £6 per day charges
6. 02/08/11 - Letter asking for I&E
7. 04/08/11 - Unarranged OD fee warning
8. 05/08/11 - Breakdown of OD fees
9. - 30/08/11 Ceased token payment (to hurry along the default)
   
10. 12/09/11 - Letter from Natwest - please contact us (ignored)
11. 29/09/11 - Letter from Natwest - please contact us (ignored)
12. 11/10/11 - Letter from Power 2 Contact - please contact us (ignored)
13. 19/10/11 - Doorstep visit from Power 2 Contact (answered and contact card left for OH)
14. 19/10/11 - Letter sent to Natwest - No visits and please consider stopping/refunding charges
15. 04/11/11 - Letter from Natwest - they're sorry I had to complain, they're looking into it
16. 14/11/11 - Letter from Natwest - they're still investigating complaint
    
17. 16/12/11 - Letter from Natwest - Notice of intention to file a default, and DN received
18. 19/12/11 - Letter from Natwest - Notice of default sums (they charged £30 to issue a DN!)
19. 05/01/12 - Letter from Natwest - It's not to late to contact us to sort this out
20. 18/01/12 - Letter from Natwest - Terminating overdraft agreement and demand the account is paid in full. However they also offer the option to agree a mutually acceptable repayment plan.
21. 31/01/12 - Sent to Natwest - letter requesting refund of charges and resumed token payments
    
22. 10/02/12 - Letter from Westcot - They are now dealing with this account and would like to know when we're going to pay it.
23. 15/02/12 - Letter from Natwest - "Thanks for your letter of 31/01/12, Westcot are now dealing with your account and we have passed your letter to them and they will contact you shortly.... When charges and interest were applied to the account they were rightfully due within the T&C."
24. 21/02/12 - Sent Our Templates | Unenforceability Templates | Subject Access (SAR) - Typical Request
25. 07/03/12 - Letter from Westcot - Acknowledge we have raised a query on the account and will suspend all collection activity while the matter is being investigated. (filed)
26. 08/03/12 - Token Payments ceased (as had resumed in error pending CCA type request)
27. 09/03/12 - Letter from Natwest - Acknowledge receipt of SAR but can't proceed without signed authority
28. 13/03/12 - Sent Our Templates | Unenforceability Templates | Creditor Refusal of SAR
    
29. 21/03/12 - Letter from Natwest - Thanks for your recent letter, unfortunately you haven't signed it and we therefore can't action its contents without being to verify your identity. Please sign and return the enclosed pro-forma.
    
30. 23/03/12 - Letter from Westcot - They are to refund the one interest charge added since 14th Jan (date of formal demand), however the default charge will remain in place.... We believe this resolves the dispute and look forward to your payment.
31. 30/03/12 - Sent to Natwest: Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA
32. 30/03/12 - Sent to Westcot: Part 1: allaboutFORUMS - View Single Post - Overdrafts - CCA Information
33. 12/04/12 - Received from Natwest - "As you don't want to sign the request, we can send the requested details to a nominated branch for you to collect - evidence of your identity will be required upon collection".
34. 24/04/12 - Sent to Natwest - letter informing them of the branch we wished to collect SAR from
35. 15/08/12 - Rec'd from Natwest - As we've been unable to contact you, your details have been passed to Allied International Credit - and queries should now be passed to them.
36. 15/10/12 - Rec'd from Allied International Credit - PLease contact us to discuss payment options
37. 19/10/12 - Sent to Allied (Part 2 of) Overdrafts - CCA Information - allaboutFORUMS
38. 27/10/12 - Rec'd from Allied International Credit - Please send us £1 for a copy agreement or £10 for copy statements
39. 08/11/12 - Sent letter of complaint re ignoring SAR to CEO (see post for wording allaboutFORUMS - View Single Post - DNW's UE Diary)
    

UPDATE

17/11/12 - Rec'd from RBS Group Exec Office - Acknowledge my letter as above and will investigate as a matter of urgency.

Quite a speedy response from CEO Office - I've filed this and await their next contact.

[DNW]

Re: DNW's UE Diary

Just hope it's not a new tactic of trying to lull me into a false sense of warm fuzzy feelings towards them before they hit me with nasty paperwork...

[The Tech Clerk]

Re: DNW's UE Diary

It's actually quite un-nerving to receive a letter from a dca who's attempting to be nice

Must be a dream??

[DNW]

Re: DNW's UE Diary

It's actually quite un-nerving to receive a letter from a dca who's attempting to be nice

[nanna58]

Re: DNW's UE Diary

arent they sweet eeeeuuuuughhh

[The Tech Clerk]

Re: DNW's UE Diary

UPDATE

09/11/12 - Received from MKDP - They are liasing with BC to try and resolve my query and reassure me that they take great care to ensure that such matters are dealt with in a professional manner...



More filing.

Ahhhhhhhhh ain!t that nice of them?

[DNW]

Re: DNW's UE Diary

Barclaycard1

Name                     - Barclaycard Plat Visa
Type of account          - Credit Card
Date commenced           - Sept 2004
Approx balance           - £3,200
Date last paid           - Mar-11 (full) Aug-11 (token)   
Arrangement/not paying   - Not paying
Status                   - In Arrears  (DN rec'd 03/09)
Account owner            - DCA (Mercers)

Key:
Them
Me
Other


Activity

1. 18/04/11 Acknowledge receipt of I&E, refuse to reduce or stop charges
2. 27/04/11 Request for payment
3. 13/05/11 Reduced credit limit
4. 01/06/11 Reminder of overdue payment and informed it will be passed to Mercers to send default notice.
5. 30/06/11 Mercers - accept £1 payments, to be reviewed in 2 months. No interest or charges to be applied while making token payments.
6. 24/07/11 I wrote and requested refund interest & charges (sent to Barclays & Mercers)
7. 17/08/11 CCA request sent
8. 03/09/11 DN Received from Mercers
9. 05/09/11 Acknowledged CCA request - they're looking for it and will get back to me
10. 13/09/11 Letter rec'd from Mercers - 48 hours notice (letter dated 06/09/11), I have ignored their demands for payment so they are now passing my account to a local firm who may send a rep to visit me (ignored)
11. 29/09/11 Covering letter for Recon CCA enclosed - but no encs in envelope
12. 29/09/11 Letter received - Calders - 7 day notice (ignored)
    
13. 17/10/11 Current T&C received
14. 19/10/11 Letter sent to Calders - Harassment & Threat of Doorstep-Visit
15. 04/11/11 Letter received - Formal Demand for Payment (full balance) - until paid, no statements will be sent. If not paid by 08/11/11, debt collectors may call or you may be taken to court. We will set off any funds available to us.
    
16. 09/11/11 - Sent Final Response - Unenforceability (No CCA Received)[/COLOR]
17. 15/11/11 - Received from Barclays - They feel they have fulfilled their obligations and complied with my s.78 request..... Re section 61, they point to paragraph 230 Carey vs HSBC, and say "It's insufficient.. to point to the absence of a signed, or a proper s78 copy as a foundation for a plea of an improperly executed agreement... They believe my credit agreement to be fully compliant and will oppose allegations that it isn't..... With regards to the OFT, they do not hold my account to be in dispute..... Attached was a copy of my CCA
18. 28/11/11 Niddy says
    
19. 06/12/11 - Received a letter from Barclaycard notifying me this has now been assigned to MKDP LLP (ignored - waiting to hear from MKDP)
    
    
20. 09/03/12 - Received from MK Rapid Recoveries - "Further to our recent communication (no comms received prior to this from MK RR) we have not received your offer of payment... We want to help and are able to offer installments to clear the balance... We will continue to contact you to resolve this."
    
21. 12/03/12 - Sent to MKRR Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
    
22. 19/03/12 - Received from MK Rapid Recoveries - Thanks for writing, at this time we are unable to resolve your query and we'll liaise with OC and re contact you in due course.(filed)
    
23. 22/03/12 - Received from MK Rapid Recoveries - As you've not taken up our offer of help, as a legal requirement we must inform you we're instructing our pre-litigation team to review your account.... They may commence litigation... It's not too late to resolve this.
    
24. 30/03/12 - Sent to MKRR Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action
    
25. 14/04/12 - Received from MKRR - We've requested a copy of the documents from BC and this will be forwarded to you in due course. (filed)
    
26. 04/05/12 - Received from MKRR - Further to your letter, please find copy statement as requested. Please contact us to discuss repayment. Enclosed were copies of all statements on this account dating back to its inception in 2006. (filed)
    

UPDATE

09/11/12 - Received from MKDP - They are liasing with BC to try and resolve my query and reassure me that they take great care to ensure that such matters are dealt with in a professional manner...



More filing.

[SaltnVinegar]

Re: DNW's UE Diary

I've got the following letter ready to send to Natwest in relation to their ignoring my SAR (thanks Ken for helping with the complaint : )

All the searches I've done show Stephen Hester as CEO, not Les Matheson, so I'll send it to him unless I've missed some vital info?

Does this sound about right?

Sounds perfect!

[ken100464]

Re: DNW's UE Diary

Be interested to see how you get on.

Good luck

[DNW]

Re: DNW's UE Diary

I've got the following letter ready to send to Natwest in relation to their ignoring my SAR (thanks Ken for helping with the complaint : )

All the searches I've done show Stephen Hester as CEO, not Les Matheson, so I'll send it to him unless I've missed some vital info?

Does this sound about right?

Dear Mr Hester

Re Account No: xxxx

I am very disappointed that I am writing to you but I do believe you may be unaware that staff in your company are not complying with a legal request for data that your company holds on me.

This is turn is leaving your company open to sanctions from the regulators if I now choose to follow this path. If this letter does not result in my legal request being fulfilled I have no other option but to report the matter.

Several months ago I sent two subject access request’s (SAR) to your bank (see letter’s attached) requesting all the documentation that your bank holds on me. Both these letters were signed for upon receipt by your bank.

It is a legal requirement that within 40 days this request is complied with. To date I have received nothing from your company in relation to either request.

The staff in either location should have taken ownership of the request ensuring if they were not in a position to comply, then the letter was forwarded to the right section. Following my request to collect these documents from a branch, a letter to me showing the request was being processed would also have been polite but to date I have received no reply or notification.

This is not just a request for some off the cuff information but this is a lawful request for information and your bank is therefore not only giving poor service but also breaking its statutory duty under the DPA.

I would be interested in your response to this complaint and if you feel I should be reporting this matter to the ICO for them to deal with.

As you already hold my postal order to the value of £10 (copy receipt enclosed), I will not be enclosing a further fee.

I look forward to your response within the next 14 days with the requested information.

Yours faithfully

(tamper proof signature)

[BBoo]

Re: DNW's UE Diary

CEO: les.matheson@rbs.com