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.

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  1. #1
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    Default Nat West CCJ & PPi Claim

    Hi Every body;

    Contracted Nat West ;

    Nat West Loan was a combination of loan and overdrafticon which the bank advised me to take.
    Defaulted on both loans due to unemploymement.

    Nat West obtained a CCJ.

    Payment in order since Court order.

    Can I apply for refund of the PPIicon on both loans from both banks although there is a CCJ on both loans and how can I effectively do this.


  2. #2
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    Default Re: Nat West CCJ & PPi Claim

    read up in the PPIicon forum

    and yes you can reclaim the PPI

    what about unlawful fees too

    bet you had loads on the HFC one.

    you indicate TWO loans
    one Natwesticon
    one HFC

    both have individual ccj's?

    you'll need to make a thread for each claim

    http://www.financial-ombudsman.org.u...notes/ppi.html

    do a customer complaint form and SOC for each

    if you've not got the agreements/statements
    you'll need to SARicon each first

    dx

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  3. #3
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    Default Re: Nat West CCJ & PPi Claim

    thread tidied

    how are your claims going KT?

    dx

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    1. Single Premium PPI Q&A Read Here
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  4. #4
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    Wink Re: Nat West CCJ & PPi Claim

    Hi dx10uk;

    Sorry for the long delay ; have being on holidayicon ;
    received responses from Nat West and HFC on PPIicon claim ;

    Nat West claims that according to their records no PPI payment made on loan and
    HFC states that the PPI payments were later with drawn by me ;
    this I find puzzling;
    but received a refund from Black horse less tax;
    I must say the cheque is handy as I just came back from holiday;
    I plan to pursue any bank charges on the Nat West loan which I defaulted.;

    as for HFC; I will request formal details of all documentation on the loan as I do not have details of the agreement to find out whether what they are saying is correct;
    you can't trust these 'alleyway[EDIT] ';

    Any ideas or suggestions.KT

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  5. #5
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    Question Re: Nat West CCJ & PPi Claim

    Have just received an offer from Nat West Bank for a reclaim of my PPIicon application;
    but they have put a conditionality of acceptance that the pay out will be offset against the balance of the loan;

    which I have expressed concerns on grounds that the loan is curently being paid off after a county judgement and payment are up to date;

    secondly the PPI as I understand it is an unfair and illegal charge on the loan by the bank.

    Any comments on my line of reasonning to Nat West Bank for the refund to be paid directly to me?


  6. #6
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    Default Re: Nat West CCJ & PPi Claim

    they cannot offset against the whole of the balance even with a CCJ
    thats unfair to your other creditors.

    just remember its a civil debt so PPIicon is unlawful not illegal [thats criminal matters]

    i would write back stating you will not be bound by any conditions.

    the debt is being paid off through the CCJ

    there is no authority in the judgement box that allows them to do that

    in effect they are going against the ruling of the judge.

    dx

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    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  7. #7
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    Default Re: Nat West CCJ & PPi Claim

    how does the PPIicon refund measure up to you soc figure

    dx

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    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  8. #8
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    Default Re: Nat West CCJ & PPi Claim

    Hi dx, Thanks for your quick response; I will dispatch a letter t to Nat West as soon as possible; detailing the grounds outlined ; why Nat West's conditions oon the refund of my PPIicon is not acceptable. Thanks very much and will get in touch again.


  9. #9
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    Default Re: Nat West CCJ & PPi Claim

    Works on part-time basis for a transport business ; but lately do not get much work; what are my rights under the employment act; have been with company for over 5 years ; just keep quiet or ask company to find me work or make me redndant any suggestions?


  10. #10
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    Default Re: Nat West CCJ & PPi Claim

    Natwesticon , hfc now Lloydsicon


    you really should have a thread for each
    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  11. #11
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    Question Re: Nat West CCJ & PPi Claim

    Hi CAGS ; Happy christmas and Properous New Year to every one !!!!!!!!!!!

    Have just received a letter from Nat West Bank accepting liability that the following charges were applied to my account between the periods 1904 to 1912;

    these included upaid item fess ,
    account keeping fees
    and unarraged borrowing fees;

    is it possible to claim back these charges from National Westminster Bankicon?


  12. #12
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    Default Re: Nat West CCJ & PPi Claim

    1904?

    were these bank account charges

    if so very diff?

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

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    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  13. #13
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    Question Re: Nat West CCJ & PPi Claim

    hi dx 100uk; Sorry made a 'boob' on the date ; well spotted; the date should be 2004 and not 1904; I quote from letter sent from National Westminster Bankicon; ' ftom your current account -I have reviewed transactions data between 09/12/2012 and 02/3/04 and can confirmthe total amount in charfes applied was 942.82' ; can I make a claim as it clearly states they were charges.


  14. #14
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    Default Re: Nat West CCJ & PPi Claim

    not on bank accounts

    but try

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
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    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  15. #15
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    Default Re: Nat West CCJ & PPi Claim

    ims21,
    Sent SARicon to Nat. West Bank ;
    just received a response from Nat West Bank ;
    after I had highlighted to them inadequate documantation they hold on me ;
    their response was unable to locate loan agreement ;
    they claim as they were unable to locate loan agreement ;
    we would therefore have no documents available apart from insurance added to the account.

    What should my next move be ?

    They conclude if I was not satisfied I should contact the Financial Ombudsmanicon.

    knights Templar


  16. #16
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    Question Re: Nat West CCJ & PPi Claim

    Hi ims21; Received SARicon response from Nat. West Bank today ;

    Nat West Bank unable to trace my loan agreement may send available information in the near future ;

    Nat West Bank state ;

    if not satisfied contact Ombudsmanicon ;

    any ideas how to approach this or contact ombudsman for further investigation.

    knights templar


  17. #17
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    Default Re: Nat West CCJ & PPi Claim

    Sorry...this is all very confusing.

    You said earlier that NW stated they have no PPIicon showing on the account. (Post #11)

    Then you say they have made an offer (Post #12)

    What did their offer consist of, i.e. what is the breakdown of the figures?

    If they have no agreement, what have they said about how they calculated the offer?

    If I have helped you please leave me a message by clicking my star

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    Default Re: Nat West CCJ & PPi Claim

    Threads merged

    If I have helped you please leave me a message by clicking my star

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here



    I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE



    Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

    If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon


    If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

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  19. #19
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    Default Re: Nat West CCJ & PPi Claim

    Hi dx100uk,

    Received received from Nat West Bank ;
    upon SARicon request ;
    that Nat West Bank unable to locate loan agreement and documents ;
    although a judgement debt have been obtained at county courticon by Nat.West Bank
    and debt being paid by instalments;
    is it possible to challenge Natwesticon Bank to produce loan agreeement and documents in court
    otherwise debt cannot be enforced by Nat West Bank .

    knights templar


  20. #20
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    Question Re: Nat West CCJ & PPi Claim

    Hi dx;
    just received another offer from Nat.Westmister Bank that upon further investigation into my previous claim
    which they have already settled ;

    they claim to have found further errors and have made another offer again ;
    but wish to offset this payment to my CCJ default balance ;

    I know you have made a response to the same after the initial offer was made ;

    does the same written response stand or are there any new information on the issues of offsets by these banks ;

    the CCJ is being paid off .Thanks

    Knights templar



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