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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Advice please - NatWest PPi Claim


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Hi,

 

I submitted a claim to NatWest as I believe I was missold PPI on a loan I took out back in 2004. The loan is now fully repaid.

 

The PPI was front loaded.

 

I have now received their review of my concerns:-

 

I claimed that I was only provided with a quote for the loan with PPI attached

I was self-employed when I took out the loan and their staff were aware of this

I was not asked whether I had any existing insurance benefits that would cover the repayments

The single premium policy was not explained to me

 

They refer to my signing the Loan Agreement Form which showed:-

 

The payment protection insurance premium payable

The single payment for the insurance being added to the loan

The level of interest on the loan and premium

The months repayments including the ppi

That the policy was optional

 

They also refer to the Application Form which shows:-

 

I signed that I was self employed and that I wished to purchase the optional Loan Protector Insurance.

 

In response to my concerns they say that the policy was provided on a 'non-advice' basis and that I was provided with a Certificate of Insurance containing the criteria I would need to satisfy to be eligible for cover under the policy and basically that I should have read them and cancelled it if not suitable.

 

My main gripe is that I wasn't offered the loan without the loan protector insurance and that had I known that "unemployment" in the case of self-employment basically means "bankrupt" I would have never taken out such a useless product.

 

They have sent me the Ombudsman Service leaflet.

 

Brief question - should I write back to them or go to the FOS?

 

Any help is greatly appreciated.

 

Very unhappy bunny

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  • 10 months later...

My complaint was originally turned down by Natwest in September 2010 and I sent it to the Financial Ombudsman and the Adjudicator upheld my claim. Natwest wouldn't accept his findings and were also awaiting the outcome of the Judicial Review.

 

I have chased the FOS this week as I haven't heard anything for months and assumed it was in the queue for an Ombudsman's decision. I have received notification this week that Natwest are making an offer to settle my complaint but it could take approximately a month due to the large numbers being processed.

 

The insurance loan repayments were £42.30 per month for 60 months from March 2004 - February 2009. These equate to a total of £2538 over a period of five years. They show the premium loan as being £2014 plus APR 9.9%.

 

One question please - can I claim 8% interest on the £2538?

 

Very unhappy bunny

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Hi there

 

What you should expect is each of the monthly ppi loan repayments plus 8% interest on each of those payments from the date they were actually paid right up to the settlement date.

 

I've attached a spreadsheet you can use to work out the amount you should expect.

 

You only need to enter list data in columns A, B and C....the rest of the calculations are done for you.

 

Hope this helps

 

Regards

 

ims

 

StatutoryInt.xls

 

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  • 2 months later...

Hi

 

Thank you for all the advice re my claim with NatWest. I am still awaiting a offer.

 

Just wondering how long they are taking generally to resolve these claims. I was told by the FOS on 25th July that Natwest would make an offer and they would contact the Bank after 14 days if they did not hear from me on the assumption that I would accept . The FOS tell me that they wrote to them on the 18th August, 2011. Natwest say they haven't heard anything from them and that the claim was a "forced closure" by them on the 19th September 2011 and that they are currently taking approximately 28 working days to settle claims.

 

Just wondering what others are experiencing with Natwest.

 

My ppi payments were £42.30 per month for 60 months from March 2004 to February 2009 = £2538.00. I have calculated (tried to) and estimate that I should get in the region of approximately £3900. Does this sound about right.

 

Any help much appreciated.

 

Kind regards,

 

Very unhappy bunny

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