Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. 17th August 2006 18:18 #1
    mcarreno mcarreno is offline
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    Default NATWEST bank and NATWEST credit card- are they different claims????

    Hi


    Trying to clarify whether I can proceed with claim against credit card, whilst claim against bank is in process.

    I live in Scotland (£750 small claims restriction) and have just sent prelim to bank for first £750 - seperate thread in Scotland section.

    Have just received statements from credit card (43 days!!- still not received abnk statements) and want to start a claim against them.


    If i do will these be treated seperatley and not classed as one claim against Natwesticon- which has implications under Scottish law??????


    Thanks

    M

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  2. 17th August 2006 21:42 #2
    lolly lolly is offline
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    Default Re: NATWEST bank and NATWEST credit card- are they different claims????

    We did our Natwesticon Credit Card and Bank account claims separately after advice from this forum.

    They are separate contracts with different terms and conditionsicon.

    Lolly

    American Express - Prelim letter 9/05. Settlement 12/05
    Barclaycard - £265. Prelim letter sent 9/05. LBA sent 30/5. Offered partial settlement. Declined.
    NatWest Credit Cards - £92 -Prelim letter sent 9/05. LBA sent 30/05.
    Natwest Bank account - £950 Prelim letter sent 30/05. LBA sent 15/06.
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  3. 18th August 2006 15:22 #3
    007coot 007coot is offline
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    Default Re: NATWEST bank and NATWEST credit card- are they different claims????

    Hi, I did mine seperately. I think it would be easier this way after reading advice from others.

    Lisa x

    NatWest: MCOL 16/08/2006
    AQ's - copy received from Cobbets 07/10/06
    offer received: 14/10/06
    FULL AMOUNT RECEIVED TODAY (1st Nov)


    Citicards: LBA sent 05/10/06

    Baclaycard: MCOL 07/09/06
    Defence filed on deadline


    Claims settled in full are:
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    Mint (RBOS)
    Style store card (RBOS)
    Natwest Mastercard
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    MBNA
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  4. 12th April 2007 14:50 #4
    Missy06 Missy06 is offline
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    Unhappy Re: NATWEST bank and NATWEST credit card- are they different claims????

    Further to Mcarrenos post above, should I seperate my Natwesticon current account from my Natwest loan account?

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  5. 11th June 2007 16:13 #5
    yode yode is offline
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    Default Re: NATWEST bank and NATWEST credit card- are they different claims????

    I am doing credit card separate from current acc. not sure about loan accounts but would imagine the are different claims.

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  6. 11th June 2007 17:46 #6
    steven4064 steven4064 is offline
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    Default Re: NATWEST bank and NATWEST credit card- are they different claims????

    I think in principle you could combine them but I agree with the geenral advice that it is better to keep them seperate because of the different T&Cs - combining them would make for a very confusing particulars of claim and an even more confusing statement of evidence if you got that far.

    Steven

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