Thread: Gyro v FatChest (Rnd 2) ***SETTLED IN FULL***

This time around I'm claiming back charges and interest on those charges for both my accounts; after whatever outcome I'm changing banks and never doing business with Natwest ever again.

Luckily I had kept statements from up to two years back, so it was a case of adding up the charges, interest and "referal fees", most of which were caused by AOL. It all comes up to just over £800, which isn't much compared to most people, but is life-changing money for someone who has been on low-to-no income for the last two years.

Sent the preliminary letter on the 21st, and have once again received a refusal letter today.

For the record I am not afraid of going to court (as someone wrongly assumed), but I could do without more bad news. Am about to prepare the deadly lba.

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Thanks for the interest

The refusal from Natwest seemed to be premeditated - they obviously know people are trying to claim back the unfair charges on their accounts and have come prepared. They're saying that the refund of charges applies to credit cards only, but I'm not buying it.

I've just printed the lba and schedules again: had to do it at work because my home printer has started playing up (and my backup printer wouldn't install either). I'm going to be sending it first thing tomorrow morning. The only reason I didn't go further last time is because I literally had no money to go through MoneyClaim; this time around I have the backup of a monthly salary.

In unrelated news, a recent "unarranged borrowing fee" caused by - you've guessed it - last month's "unarranged borrowing fee" has left me broke for at least a week. I'm waiting for a lucrative cheque to clear.

You keep going with it! Its a long proces, but all the stuff i've read on the boards has said they are sending out exactly the same letters at exactly the same stage! Just think of the return on investment (although you are only claiming your own money that is owed to you!)

Thanks for the words of encouragement!
Also important is that their charges (which started suddenly) forced a default, which I am aiming to get cleared.

Update:
Sent the lba on the 2nd of this month, and received another refusal letter. "There's little I can do", they say. Except of course, for mobilising their lawyers.

It's on.

Update:
After waiting for my first pay cheque from my recently found job, I've put all the information together, gathered all the courage I could muster and filed a MoneyClaim thing just a few moments ago. With the 8% interest we're now talking just over £1000 - and a horrendous £120 fee.

Wish me luck, because I'll probably need it.

Originally Posted by chriswatkins

dont cave in to the scare tactics that cobbetts will try on you with the CPR part 18, you dont have to answer to it, keep your chin up and you WILL WIN

Thanks, just posted about getting this on my thread. Ridiculous to be in a position where your high street bank is posting this sort of intimidatory material to you! Good luck!

Received an acknowledgement from Cobbetts LLP just now; they're defending ALL of the claim. I'd like to see them try.

Update on the match:

Only a few days away from the time limit, but no! Cobbets has responded. They're basically playing the vagueness game:

- They don't know which accounts I am claiming for
(I'm claiming for two accounts, and I only have two with them)
- They want a list of charges with dates
(which I have already sent Natwest twice)
- They want proof that the charges were unlawful.

I forgot (and didn't have enough space) to include that I wanted the default removed when I submitted the claim through MoneyClaim.

In other news, as a result of the default, I can only open a basic account once I move elsewhere - something the kind people at PayPlan suggested. No more cash machine convenience.

I've got until the 24th to respond to Cobbetts' letter; what do I do now?

Ah! I've double-checked, and it's the CPR 18 that chriswatkins mentioned. So I can ignore this?

Regarding the CPR 18, I've found relevant threads on this and will be sending Cobblers the suggested response letter.

I've also received a questionnaire from the court on Friday (the allocation questionnaire), and want to make sure I fill it in correctly before sending it.

Okay, so I've sent back the questionnaire and the response to Cobbler's CPR 18 request. They responded a few days ago with their feeble counterattack, and even though I'd sent them another copy of the spreadsheets they still said they had no idea what I was suing their "client" for.

Now today they've made their move: they're convinced my case will fail, and they've offered a goodwill payment of £600, with the usual conditions, until 1 November.
It confuses me - why offer any payment at all if they believe I won't win?

I've noticed a trend with some of the other cases - NatWaste (as I now call them) seems to offer just over half of the claim as goodwill.

Anyhow, I've had a very short time to respond to the settlement offer. I've filled in the template letter so far, but a couple of things threw me:

- where to send the letter: I'm using NatWaste's Borehamwood address, as the template says to use the bank's address;
- the date before court action starts: the date in the lba has long passed, so I don't know what to specify.

Any help before 1pm would be appreciated!

Yes, the court case is proceeding, and their settlement offer is "Full and final".

Good thing I double-checked, that could have been embarrassing. My horoscope in one of these evening papers warned me about something like that happening. I'll send the letter first thing tomorrow morning.

Just wanted to make sure, because the relevant thread seemed to refer to a settlement being made before a MoneyClaim.