Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
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a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
LOL! Well after last years mammoth claim we're at it again. Unfortunate spiral of charges totalling £164, customer service refusing to budge at all ever these days.
Story so far:
Prelim and schedule sent 4th July 2007
as of today no reply, lba printed and ready to send.
Well............ if you've done it all once before with nasty west, you know the drill! And they've probably not changed much since you last stepped into the ring with them either!
Best of luck
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Lol thanks Hedgy yeah done it all before over a year ago! Nice to be back on the site after many ups and downs but maybe not so nice for it to be for this reason! LOL! Ah well i'll get there I know i will!
saw this for the first time yesterday, sre they allowed to change your account terms and conditions as a result of yu reclaiming unlawful charges made by them?
surely you've done nothing wrong?
I'd be inclined to run my current account elsewhere and setup a standing order to supply enough money to service the loan and overdraft, thus incurring no charges, that suits you and stiffs them
I've got two NW accounts that have been dormant for years, one has 1p in and one gets enough money every month to cover the interest on the overdraft and pay a little off
NatWest
sar 310107|Prelim 120407|LBA 260407|N1 310507 | Served 130607 | Ack 270607 | Def 130707 | AQ/Strike out/Draft directions 270707 | | Court Date 080807 | Stayed Barclays sar 310207|Prelim 120407| LBA 270407|N1 310507 | Served 130607 | Ack 210607 | Def 100707 | AQ/Strike out/Draft directions 230707 | Court Date 080807 | Stayed Smile/Co-op Prelim 010607 | LBA 230607 | N1 090707 | Served 180707 | Ack 260607 | Co-op SETTLED 150807 MBNA sar 040607 Citi sar 040607 Egg sar 040607 | Prelim 010807|LBA 160807 Halifax sar 130607
Tbh i don't really want have to start using another account as i've had this one for 19 years and don't want the hassle although if i have to then i will, however they do state that if i wish to close the account that the overdraft and loan become instantly repayable at that point.
...we can arrange for the closure of your account upon the repayment of any existing overdraft borrowing.
Please note however that if you hold a loan with Natwest your are required by its terms and conditions to maintain a funding current account with the bank.
I don't have the money to pay this (if i did i would pay them off anyway). Also that kind of makes option 2 impossible again as they say i need a current account.
So realisticly speaking I have 2 options
1) drop my claim
2) pay for a bank account
The other options are totally impossible for me and also (I presume) for a great number of people with £1000's owed to the bank that they cannot simply get their hands on to repay.
Anyone got any further ideas? I have a feeling I may just have to take them to court...again, but with OFT stepping in now whats the score?
lol oh I do have another account, my hubby and i both opened accounts with other banks in April 2006 as i started my first Natwest claim.
However we found it nothing short of a small nightmare. With the co-op and Nationwide both promising us that we could have basic accounts and that there would be no full credit score, both did so and rejected us (may i also add it took them over 2 months, numberous letters and phone calls at our expense to even get a decision). HSBC did the same, tried with Smile and got instantly rejected there also. Our credit files are by no means perfect but they are not horrific either.
Tbh we found it very difficult and all hubby managed to get was a separate Natwest Step account and myself an RBS Key (cash) account which won't facilitate DD, SO, chequebooks or Maestro cards sadly. Although hubby has a solo card with his Step account.
If only it was as simple as filling in a form online I wouldn't have had this account for 19 years (since the age of 9) lol! I do understand that using the accounts means they are likely to be upgraded but at the end of the day do not see why I should have to. All big banks are as bad as each other in my opinion and all have the same unlawful regime of penalty charges, i would only be jumping out the frying pan into the fire....
Cheddar, try Nationwide again. I was turned down by them a couple of months ago when I applied online for a parachute (defaults against my name) but I went into the branch yesterday and opened a basic account (flex account with D/D facilities) no problem (3 forms of I.D. needed). Took just over five minutes - it might be worth a try.
As for the nutty west, I really don't know what to advise. Your the second one this week that they've done this to - it seems to be their new strategy for peeps who go back to them for a second claim. Hopefully, somebody can advise further on this - sorry hun, I'm really stumped on this new stance they're taking. xxx
tell them the account is in dispute at least until the claim is settled and tell them you're going to complain to the Ombudsman thingy to say that they're trying to penalise you in retaliation for claiming your charges back from them
point out that the charges are unlawful and as such they can't insist that you pay them in future, work the OFT case into it somehow
NatWest
sar 310107|Prelim 120407|LBA 260407|N1 310507 | Served 130607 | Ack 270607 | Def 130707 | AQ/Strike out/Draft directions 270707 | | Court Date 080807 | Stayed Barclays sar 310207|Prelim 120407| LBA 270407|N1 310507 | Served 130607 | Ack 210607 | Def 100707 | AQ/Strike out/Draft directions 230707 | Court Date 080807 | Stayed Smile/Co-op Prelim 010607 | LBA 230607 | N1 090707 | Served 180707 | Ack 260607 | Co-op SETTLED 150807 MBNA sar 040607 Citi sar 040607 Egg sar 040607 | Prelim 010807|LBA 160807 Halifax sar 130607
Tbh its the third claim, i claimed again for about £80 or so a couple of months ago, just sent prelim and got a form back to sign and the money back afterwards.
I'll stick with the RBS account for now and am transferring my wages over into as of next month anyway so hopefully it won't take all that long for them to upgrade it. Another thing I always find tough is ID lol I don't drive, dont have a passport or any photo id of any kind and they always look at me as if i am mad when i say that LOL!
I'll bide my time and see what strategies if anything anyone can come up with.
I was possibly thinking of accepting the £10 a month account and seeing (i may have to read the mountain of paperwork with the letter) if i can then opt out...maybe after i get my money back??
Natwest just keep amazing me they really do, if this is now becoming standard for claims (even small ones) then I can see them losing plenty of customers!
Upon reading the paperwork there doesn't appear to be any T&Cs re the Monthly Management Fee, the only info is that they will charge £17 for the Maintenance Charge (once known as Unarranged Borrowing Fee), Paid Referral, Guaranteed Card Payment Fee and Unpaid Items Fees.
If a mod/sh would like i will see if i can scan these docs and email to someone?
Cheddar Vs Natwest (round 2 ding ding!) ***WON***
printed and ready to send.
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Originally Posted by cheddar
