Stephanie v NatWest **I WON * I WON**

[Angry_Princess]

I sent the letter to NatWest ' Letter before action' and told them i had calculated £2771.00 in Charges from my 2 accounts.
They sent me a letter back saying they dont belive the charges where unlawfull but are willing to give me £400. for one account and £175. for the other and a gesture of goodwill.

Obviously i am not going to take this!

Not sure now tho..
Do i start court proceedings straight away or send a letter declining their offer?

[bram stoker]

I would write to them declining their offer, refer them to your previous letter and remind them of the deadline you set. Keep to your deadline and take the next step at the right time. Good luck.

[Angry_Princess]

Thanks!

Done that now just gotta wait.

The 14 days dead line is monday so im gonna have to go and sort out the court proceedings now r'nt I.

Im quite nervous now!

[Angry_Princess]

My 1st response from NatWest was the offer and it came from the branch manager.

I sent him a letter declining the offer and i have now had this letter back from Stuart Higley (Customer Relations)

Thanks you for your letter which has been passed to me for my attention, im sorry you found this offer unacceptable. Consequently the offer is now formally withdrawn.

There will be no refund of £2,771 for which you have asked and i note you proposed way forward.

I am dissapointed to note you are contemplating legal action, whilst i hope you will feel able to reconsider, should you decide to go ahead, please ensure that any proceedings are served on our registered office address.

I am sure that this letter doesn't provide the answer you might have hoped to recive but nonetheless thank you for raising the issue with us.
----
Can any tell me if they have had similar letters?
Is this to put me off do you think or do they think i have no case?

Chreers,

[fallen404]

Yup. From other people's posts, it's a standard "P*** off" letter.

[Angry_Princess]

phew!

Also .. im confused about how to work out the intrest. Can any one advise?

On the spread sheet it says UNPAID CHQ CHARGE and CLEARED TRANSACTION etc

ive got unpaid chq chrges etc but not cleared trensaction...
ive got ... referal charges ... card misuse and charges that dont have n e thing by them just the date?

i dont understand it?
am i suposed to type ove the 'in respect of?'

thanks

[Angry_Princess]

Having read something on some one elses thread, it said its difficult to calculate intrest if you have been overdrawn the whole time?

Im really confused about adding up all the intrest, would it be better to just apply for the charges?
Could any one advise?

[Tristan28]

Hi,

I think you just delete whats already on the spreadsheet and insert what they have charged you, for example, 'unpaid direct debit, £38'. You enter the date on which they charged you and the spreadsheet calculates the interest to today's date.

Good luck!

[Angry_Princess]

Im sorry if i sound really stupid but im really stuck.

Please Help Me!!!!

im claiming charges for 2 NatWest accounts from dec 03 - dec 05

It was the 14 day deadline last monday and i need to send my claim form in but i cant work out the intrest.

Is there any one who is in a similar situation who has cracked it and can advise me?

Thanks

[Angry_Princess]

Hi all. .


I still feel really confused about all this and looking at other peoples threads its not going to end n e time soon.
I am currently on benefits and dont have to pay court costs, should this mean i would be intitled to legal aid do you think it would be worth me getting a solicitor?

[Neo]

Ok let me get this straight...

You are getting ready to put a claim in to Money Claim.

You are having problems calculating interest so you can claim back in court?

First of all;

a) Do you have a list fo dates and charges and amounts that have been applied?
b) Have you downloaded the spreadsheet?
c) Can you open the spreadhseet and see it.

No need for a solicitor, but of course, that is your decision. Just remember there is no rush here...

[Bookworm]

Sorry you didn't get a response earlier, it got really busy after the new MSE newsletter, and we must have missed your post.

You won't qualify for legal aid on a small claim.
But you should qualify for court fee exemption.

Tbh, you don't need a solicitor. It's actually quite easy to do the claim form. And thanks to Dave's forms, working out how the interest should be straighforward. As Neo asks, let us know if you have the Excel sheet.

[Spiceskull]

Originally Posted by Bookworm

As Neo asks, let us know if you have the Excel sheet.

Sorry, I meant to post to this thread - I have been helping Princess backstage with the spreadsheets...all ready to be printed out...I know nothing of the status for legal aid, so that advice is best left to others...

See the steps I took to get my bank charges back.
Spiceskull v HSBC.
Thank you Consumer Action Group.
Read my blog.

[Bookworm]

Cool.

Brownie points to you.

[Spiceskull]

Originally Posted by Bookworm

Cool.

Sorry? I thought you said earlier that I wasn't cool. Had a change of heart then?

Originally Posted by Bookworm

Brownie points to you.

What about rep points instead...rep is a much nicerererer colour...

See the steps I took to get my bank charges back.
Spiceskull v HSBC.
Thank you Consumer Action Group.
Read my blog.

[Spiceskull]

Thanks...I needed that boost

See the steps I took to get my bank charges back.
Spiceskull v HSBC.
Thank you Consumer Action Group.
Read my blog.