Tempty V Natwest

[Budgie]

Re: Tempty V Natwest

Bit strong at the end Ame bit otherwise OK.

Remember the whole point of this exercise is to try and get the Buggers to make an offer. Once they have done that Tempty can negotiate for the best possible settlement at this stage.

All Tempty needs to do is to make NatWest aware of the situation surrounding the claim, request that Nat West agree that Tempty is a financial hardship Claimant and request that Nat West settle the claim.

[Amethyst]

Re: Tempty V Natwest

okay and breatheeeeeeee....calmer now pmsl.

Yep I agree a tad strong....but you see what i mean - an outline of the main points of your case rather than a step by step why i fit the waiver type letter.

[Budgie]

Re: Tempty V Natwest

Yep I agree with Ame, ( bugger, how can that have happened, I must go and lay down for an hour )

[Amethyst]

Re: Tempty V Natwest

cheeky sod oops is that your perch snapping I hear?

[Tempty]

Re: Tempty V Natwest

lol
yup i see where you are coming from. Think i'll leave the end bit out though don't want em thinking bolshy cow and throwing my letter in the bin lol

[enaid]

Re: Tempty V Natwest

lol
yup i see where you are coming from. Think i'll leave the end bit out though don't want em thinking bolshy cow and throwing my letter in the bin lol

How very dare they even consider a beagle to be bolshy :tinysmile_aha_t:

Nice one Tempty round 3, Good Luck chuck xxxxxx

[Tempty]

Re: Tempty V Natwest

thanks enaid hunni

hehe got me boxing gloves on this morning and had a play with Ame's letter.
adjusted the figures correctly and altered the ending slightly lol.
please let me know what you think as I want to get this off today xx


Dear kay


Further to a conversation I had with your colleague today regarding the revised waiver terms for cases of financial difficulty I look forward to hearing from you regarding the reconsideration of my claim for the refund of unfair transaction charges.

You will in no doubt be aware from my file (case number XXXXXXXX) that I was left in a position of considerable hardship by your banks refusal to treat me, or my family, with any sympathy following an accident which left my partner unable to work for an extended period, While I was also out of work and seeking new employment.

My sole income at this time was Child Tax and Working Families Tax and Child benefits which totaled £498.78 a month. On one occasion you found it in your hearts to remove £136.00 of charges from my account in one day, £282 over a week ( please see my attached schedule for details of all amounts taken from my account), And as a grand finale over £700 in one month alone. In fact in the year 2007 Jan to April (date of last charge claimed) you charged me £1,512.00. As you can plainly see this far exceeds the FSA guideline of £500 per year!

This forced me into such a situation I was unable to provide basic living requirements to my family and on discussing my situation with your ''advisor's'' was informed the only way that I could stop you taking my benefits due in the following day was to agree to a loan of £1,400.00 (account number XXXXXXXX) which with no viable alternative seemingly available to me, I agreed to and remain in repayment at a rate of £39.15 per month which includes £949.00 interest on that loan.

Considering I had previously complained to the bank and explained my situation, I fail to see how placing me in more debt was a helpful solution to my problem. As you are well aware I have been following the test case with great interest and feel the FSA guidelines apply directly to my case. I will of course be forwarding a copy of this letter to the FOS for their consideration should I not receive a positive response from yourselves.

I look forward to your prompt reply
Yours faithfully

Tempty

[Amethyst]

Re: Tempty V Natwest

Dear kay


Further to a conversation I had with your colleague today regarding the revised waiver terms for cases of financial difficulty I look forward to hearing from you regarding the reconsideration of my claim for the refund of unfair transaction charges.

You will in no doubt be aware from my file (case number XXXXXXXX) that I was left in a position of considerable hardship by your banks refusal to treat me, or my family, with any sympathy following an accident which left my partner unable to work for an extended period. I was also out of work and seeking new employment at this time.

My sole income at this time was Child and Working Families Tax Credits alongside Child Benefit which totaled £498.78 a month. On one occasion you removed £136.00 of charges from my account in one day, £282 over a week ( please see my attached schedule for details of all amounts taken from my account), And as a grand finale over £700 in one month alone. In fact in the year 2007 Jan to April (date of last charge claimed) you charged me £1,512.00. As you can plainly see this far exceeds the FSA guideline of £500 per year.

This forced me into such a situation I was unable to provide basic living requirements to my family and on discussing my situation with your ''advisor's'' was informed the only way that I could stop you taking my benefits due in the following day was to agree to a loan of £1,400.00 (account number XXXXXXXX) which with no viable alternative seemingly available to me, I agreed to and remain in repayment of, at a rate of £39.15 per month. The interest on this loan over the period will cost me a further £949.00.

Considering I had previously complained to the bank and explained my situation, I fail to see how placing me in more debt was a helpful solution to my problem. As you are well aware I have been following the test case with great interest and feel the FSA guidelines apply directly to my case. I will of course be forwarding a copy of this letter to the FOS for their consideration should I not receive a positive response from yourselves.

I look forward to your prompt reply

Tempty

[Tempty]

Re: Tempty V Natwest

thanks hun,
was wondering if i should slip in the £4,848.00 + interest bringing the claim to £6,050.00 in there somewhere lol

[Amethyst]

Re: Tempty V Natwest

aye add it at end

For reference my outstanding claimcurrently totals £6050.

[WendyB]

Re: Tempty V Natwest

Just a few alterations, grammatical wise, so to speak.

Here's hoping they take notice of you and cough up soon.

Dear kay


My sole income at this time was Child and Working Families Tax Credits alongside Child Benefit which totalled £498.78 a month. On one occasion removed £136.00 of charges were taken from my account in one day, £282 over a week and as a grand finale over £700 in one month alone. In fact in the year 2007 Jan to April (date of last charge claimed) charges totalling £1512.00 were removed from my account As you can plainly see this far exceeds the FSA guideline of £500 per year.

Please see attached schedule for details of all amounts taken from my account.


This forced me into such a situation I was unable to provide basic living requirements to my family and on discussing my situation with your ''advisors''(no apostrophe needed here) was informed the only way that I could stop my benefits which were due in the following day from being taken was to agree to a loan of £1,400.00 (account number XXXXXXXX). With no viable alternative seemingly available to me, I agreed to this and remain in repayment of, at a rate of £39.15 per month. The interest on this loan over the period will cost me a further £949.00.

In view of the fact that I had previously complained to the bank and explained my situation, I fail to see how placing me in more debt was a helpful solution to my problem. As you are well aware I have been following the test case with great interest and feel the FSA guidelines apply directly to my case. I will of course be forwarding a copy of this letter to the FOS for their consideration should I not receive a positive response from yourselves.

I look forward to your prompt reply

Tempty

[Budgie]

Re: Tempty V Natwest

Excellent Tempty.

Personally I would leave out the threat at the end re sending a copy of the letter to the FOS.

Try to keep the whole tone of the letter civil and non confrontational.

The purpose of this letter is to get them into offer making mode. Nothing else matters at this stage.

Budgie

[Tempty]

Re: Tempty V Natwest

Blimey I nearly dropped of shock this morning Cobbetts answering a letter .... and in record time too. might not be what i really wanted to hear though but hey, I'm not beat just yet.

letter reads as follows

Strictly Private & Confidential

Dear Sirs (was not aware I'd had a sex change lol)

our client: National Westminster Bank Plc
Claim number: xxxxxxxx

Thank you for your letter dated 29 July 2008.

We confirm that we have today forwarded your request by e-mail to the banks Financial Hardship Team for consideration.

We understand the procedure to be as follows, which will give you a timescale for dealing with your request:

Once the Financial hardship Team receives notification that a customer is claiming financial hardship, they send a 'Customer Financial Statement' out that day. Upon receipt of the completed statement, They forward it to the Collections Center for investigation and a decision. The Collections Center has 30 days in which to contact the customer with a decision, although we understand it is normally much quicker than that.

Yours Faithfully
Cobbetts LLP



so there we have it ...... i may well be bolloxed before i start then .... kinda figured that anyway lol

[Jester]

Re: Tempty V Natwest

Them thar solicitors are the ones who sent the representative to court on Tuesday that I so wanted to smack in the face LOL

Go get 'em girl. Hope you get the lot. Take them to the cleaners

[Amethyst]

Re: Tempty V Natwest

oooo they have a hardship team.


don't be so defeatest anyway mrs. scan the form in when you get it.



Was just thinking having readed Ladidi's thread just now.....your account was in dispute before they forced you into the loan to pay their charges wasn't it ???