** SUCCESS ***Yet more charges - full refund hardship :)

[Mochamoo]

Re: Yet more charges

Its credit report, credit file, credit score - checkmyfile I have the full whack deal all three reports plus scoring, its 14.95 a quarter but I like being able to see what's going on and to have it all in PIL

[Mochamoo]

Re: Yet more charges

Really getting cross with Natwest now.

They have ignored my first and second letter and I know I only send it two days ago but nothing on my third letter either.


The Edinburgh address is the right one to send it to isn't it?

[natweststaffmember]

Re: Yet more charges

Yep it most certainly is

If you sent in the stuff then it should take 1 week to make a decision, so income and expenditure, notices of arrears, etc,etc,

[Mochamoo]

Re: Yet more charges

If you sent in the stuff then it should take 1 week to make a decision, so income and expenditure, notices of arrears, etc,etc,

So I should have had an acknowledgement and a decision by now.......grrrrrr

[natweststaffmember]

Re: Yet more charges

So I should have had an acknowledgement and a decision by now.......grrrrrr

Recorded delivery jobbie?

[Mochamoo]

Re: Yet more charges

No couldn't afford it.

[shas]

Re: Yet more charges

I use checkmyfile too! My credit score went from the highest one (is it about 1500?) to 337 within 2 months! Soul destroying at the time... x

[Mochamoo]

Re: Yet more charges

1 month after I first wrote to Natwest I have received an acknowledgement and one of their IE forms. Will post it first thing Tuesday Special delivery me thinks.

The IE form has been put in my name, should I change it to be both of our names or leave it as it is?

[natweststaffmember]

Re: Yet more charges

Leave it as it is and include household income.

[Mochamoo]

Re: Yet more charges

[natweststaffmember]

Re: Yet more charges

Is there an NWB number on that form?

[Mochamoo]

Re: Yet more charges

yes scribbled out


It doesnt give me anywhere to put my non priority arrears... or maybe I should just bounce the mortgage to make em happy

[TUTTSI]

Re: Yet more charges

Blimmin hell Mocha how do you manage.

I have checked the additions and they were fine. There are a few things that stood out for me.

I would have thought that this sheet should just be headed up in your name, but obviously you should include your partners details as you have done.

1. Overdraft £1000, you are stating that this is being repaid monthly?

2. Loan £311 is this anything to do with your creditors? just trying to make sure that this is not included twice.

3. Telephone & mobile and travel & motoring seems a tad high? just my opinion. But maybe that is something more to do with your partner's job... and this should be explained in your letter when you send in this I&E.

Tutts xx

[Mochamoo]

Re: Yet more charges

Blimmin hell Mocha how do you manage.

I have checked the additions and they were fine. There are a few things that stood out for me.

I would have thought that this sheet should just be headed up in your name, but obviously you should include your partners details as you have done.

1. Overdraft £1000, you are stating that this is being repaid monthly? ever month it goes to zero again and every month we max it out and go wayyyyy over the limit again

2. Loan £311 is this anything to do with your creditors? just trying to make sure that this is not included twice. 311 is natwest loan... it asked me to put loans and thats the only loan so i put it down... should i not put it in?

3. Telephone & mobile and travel & motoring seems a tad high? just my opinion. But maybe that is something more to do with your partner's job... and this should be explained in your letter when you send in this I&E. phone is my mobile35, OH's mobile 22 ish per month and home phone 17 per month... motoring is the car insurance mine and oh's and petrol....he is in all but name a travelling sales man

Tutts xx

thank you, I dont want to get this worng but forms really really confuse me... always panic when I have to fill forms in

[TUTTSI]

Re: Yet more charges

Originally Posted by TUTTSI
Blimmin hell Mocha how do you manage.

I have checked the additions and they were fine. There are a few things that stood out for me.

I would have thought that this sheet should just be headed up in your name, but obviously you should include your partners details as you have done.

1. Overdraft £1000, you are stating that this is being repaid monthly? ever month it goes to zero again and every month we max it out and go wayyyyy over the limit again Then you are right to include it.

2. Loan £311 is this anything to do with your creditors? just trying to make sure that this is not included twice. 311 is natwest loan... it asked me to put loans and thats the only loan so i put it down... should i not put it in? No that is OK I was just making sure it was not one of the other amounts you had put down. So yes you are right.

3. Telephone & mobile and travel & motoring seems a tad high? just my opinion. But maybe that is something more to do with your partner's job... and this should be explained in your letter when you send in this I&E. phone is my mobile35, OH's mobile 22 ish per month and home phone 17 per month... motoring is the car insurance mine and oh's and petrol....he is in all but name a travelling sales man Does he claim any of this back from his company/Employer ie petrol, phone, if he does then a note of what he reclaims should be made and only the net amount included on the sheet.
Tutts xx

thank you, I dont want to get this worng but forms really really confuse me... always panic when I have to fill forms in

I was just double checking TBVH, this now seems fine with me but I am sure Ame will cast her eye over it also.

Tutts