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Hi there, i've recently recieved all statements for my student account since opening it four years ago. What occurred to me today however was that it may be possible to also claim charges for my Natwest credit card which I have incurred this month. So I have two questions
a) if I find out those charges, can I add it to the same claim?
b) i've only had the card nine months or so, do you think I can ring up and ask them to tell me the charge dates?
I was in the same position as you. I would treat the credit card separately. Ask for back statements and work out how much you've been charged. Send off the first letter (see library) and quote the recent OFT report. The likelihood is that you will get these back straight away, credited back to your card. The bank is in the wrong, the OFT say that credit card charges have been wrong, there's not a lot the bank can argue.
After that move onto your student account. Send out the letters as in the library. This will take ages as the bank will say we are right etc etc. Persist and got to small claims court if necessary. Once you get there, it is likely the bank will send you a cheque stating that they are still right but they can't be bothered to go to court.
I'm sending off a prelim letter today for my current account but I was also going to send one off to claim on my credit card.
Are they different addresses? I'm only asking because they seem to be seperate depts, or maybe that's just because it takes 4 days to transfers from my current account online to my credit card to pay off! (What a [problem])
Well, i'd totted it all up and it came to £235, which may not seem a lot to some considering the amounts i've seen on here, but as a skint graduate i'll take what I can get.
I sent them a preliminary letter and they responded with "we think these charges are acceptable sorry you are unhappy...etc"
So I then sent them a recorded letter stating that unless that they refunded then i'd take them to small claims court. That will be 14 days ago tomorrow.
I'm guessing you'll recommend I follow it through, but i'm going away for 6 weeks from September and was wondering what the deal was with how long such action takes, or whether I could and it'd be advisable to carry it out after I get back.
Three threads merged - please stick to one thread!
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
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Hi, not sure which one of your threads I should be replying to!
FWIW if you're off for six weeks I wouldn't MCOL until you were back. You'll be issued your Claim Form and then heading off. The county court will send you out a Notice of Issue saying your CF was sent on x date and the bank have to reply by y date. The bank may file a Defence etc. and with so much activity with your claim it is NOT a good idea to try and run it whilst out of the country.
What I would be concerned about is that you're off wherever for six weeks and your CF gets issued, the Bank files a Defence, the Court sends you out AQs and you may POTENTIALLY miss your deadline to send your completed AQ back to the Court. You are then on risk of having your claim struck out - possibly would be a harsh decision if you then explained but is possible under CPR nonetheless. Also, speaking as a Litigator (no, please don't shout at me) every court case or threat of court case is nothing less than pyschological warfare. If the bank sees you issue your CF and then do nothing the thinking is that you are cowering in a corner and in too deep and will drop off the scale re: this claim - they are therefore far less likely to cough up. My suggestion, FWIW, is to head off for six weeks enjoying yourself and come home refreshed and raring to go. MCOL, watch deadline, act on every deadline and look forward to (a) your ££ hopefully before xmas and (b) striking a blow against the financial giant that is Natwest.
Right i'm back now......from looking at the FAQ's moneyclaim.org.uk seems to be the next course of action (especially since I said i'd take them to small claims court)
Any idea of the costs involved?
Cheers
BTW Danmoz, had a great time away thanks, courtesy of the bank of mum and dad.....preferable to Natwest any day, interest is a lot lower!
However, the letter with the cheque states that my particular of claim has no "reasonable grounds or cause of action against the bank"
and that "payment will be made with no admission of liability and subject to your agreement not to court publicity, or disclose or refer to any third party, the background to this matter, and also keep the terms of this settlement strictly private and confidential."
Well I guess i've just broken that, but should I leave it or do I need to get them to remove the terms?
Does it ask you to sign anything to that effect. If not then bank the cheque - keep your head down until it clears then shout from the rooftops!
Congratulations
Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional. If you PM me for advice I will only reply in your own thread
Progress of my claim **WON**
credit card which I have incurred this month. So I have two questions
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Originally Posted by b.okhrana
