Waveydave v NatWest ** WON **

**Waveydave** · 16th October 2006 11:23

Thought i would add my details here as im sure ill be back with questions soon enough

I have all my statements from the start of the account so i havent bothered contacting Natwest icon

with the SAR icon

letter.

Im claiming for £444 over two years

Initial preliminary letter requesting refund of charges sent 16/10/06 to :

John Cunnane
Manager
Customer Relations Unit - Depot Code 040
225 Shenley Road, Borehamwood, WD6 1TE

Sent by registered post so now the count down begins. I'm nervous and excited at the same time but after a weekend of researching and discussing with my Wife we have both agreed that should push come to shove we will stand up in court and be counted

Wish me luck

Waveydave

Similar Threads:

**Waveydave** · 20th October 2006 17:16

BY 'eck - Got a very quick reply from Natwest icon

, Standard reply as well id imagine.

Just a few excerpts from it that are mildly amusing.

" In your letter you have claimed we have been acting as you fiduciary, yet i am unsure of the basis for your contention. This does not form tpart of the normal Banker / customer relationship"

"I suspect that this is unlikely to be the answer you might have hoped to recieve but nonetheless thank you for taking the time and trouble to contact us"

LOL

Anyway Ill get on with printing the next letter out and getting ready to send but what i would like to know is do i send the next letter NOW (bearing in mind i had a reply from Natwest in 3 days) or shall i leave it untill the 14 days is up ?

Oooh its exciting lol

**CitizenSmith** · 20th October 2006 18:16

Hi
I had the same form Natwest icon

but stuck with the tried and tested ways of the site - give them the full 14 days is best
Regards
Wolfie

**Waveydave** · 28th October 2006 15:23

Just in the process of sorting out my lba icon

and obviously the standard fist line of

" I am very disappointed that you have failed to respond to my letter of the [XXDATEXX]."

doesnt fit as they have made contact to deny.

So - will this suffice as a starting line ?

"Thank you for your letter of 19 October 2006, the contents of which I acknowledge but disagree with."

and then straight into the rest of the letter.

Just want to make sure im not opening myself up to anything by acknowledging and disagreeing

Cheers in advance

Mumofthreeboys · 28th October 2006 15:25

Sounds good to me!

**Waveydave** · 28th October 2006 15:31

Top stuff cheers .

One final thing - in my original bog off letter it states :

" Should you decide to go ahead, please ensure that any proceedings are served on or registered office address"

So - do i send my lba icon

to the registered address or to good old Mr Higley ( who the bog off was from)?

Ta all

Mumofthreeboys · 28th October 2006 15:34

Personally, I would reply to the address it came from. Having said that, I don't think it makes too much difference, as it will get forwarded on if it's wrong.

**Waveydave** · 28th October 2006 15:35

Originally Posted by Mumofthreeboys

Personally, I would reply to the address it came from. Having said that, I don't think it makes too much difference, as it will get forwarded on if it's wrong.

Cheers mumofthree

Much appreciated

Mumofthreeboys · 28th October 2006 15:36

You're welcome.

**ataction** · 28th October 2006 15:40

Respond to
National Westminster Bank icon

PLC
135 Bishops Gate
London EC2M 3UR

**Waveydave** · 28th October 2006 15:47

Originally Posted by ataction

Respond to
National Westminster Bank icon

PLC
135 Bishops Gate
London EC2M 3UR

Do i not need to address it to a "person" though ?

**ataction** · 28th October 2006 15:50

Well you are taking action against Natwest icon

PLC so it does not really matter. I would send it recorded delivery as a matter of course. Don't forget your schedule of charges.

**Waveydave** · 28th October 2006 15:51

Originally Posted by ataction

Well you are taking action against Natwest icon

PLC so it does not really matter. I would send it recorded delivery as a matter of course. Don't forget your schedule of charges.

Good point

Yep gotthe Schedule reprinted and its ready to go to the post office to be sent recorded on wednesday when there 14 days is up

Thanks

**Waveydave** · 30th October 2006 15:53

lba

now SENT :o

Im going to start preparing for the obvious outcome of it progressing to the court stage but what should i be looking at doing TO prepare ?

**chantelle** · 30th October 2006 16:23

Hello Dave

I'd give them them 14 days. I am in the same position as you and got the same letter it seems. I got a very quick reply and my 14 days is up today so I will be sending the second letter tomorrow.

Good Luck. This bank seems to be the akward one.

**Waveydave** · 8th November 2006 13:10

Originally Posted by chantelle

Hello Dave

I'd give them them 14 days. I am in the same position as you and got the same letter it seems. I got a very quick reply and my 14 days is up today so I will be sending the second letter tomorrow.

Good Luck. This bank seems to be the akward one.

Cheers Chantelle,

Well Natwest icon

have replied to my lba icon

and the reply is as follows:

"Dear Mr XXXX

Thank you for your letter dated 31st October 2006.

I regret that there is little that i can add constructivly to my last letter and note your proposed course of action. I have alerted our lawyers and litigation department accordingly. May i please remind you thatthe address to use when initiating legal documents is that of our registered office, below.

Thank you for letting me know of your intentions.

Yours sincerely

Stuart Higley"

I assume this is standard but anyone notice anything new or different on there and i would also imagine the line about lerting solictors etc is mearly a scare tactic in teh hope i think sod it - WHICH I WONT

I shall now give them the full 14 days before i start with MCOL

anything i need to b e aware of etc ?

**The cobbett slayer** · 8th November 2006 13:23

Not really.

They've given you the green light to issue your claim in the courts so just get on with it.

Use the templates for filling in your N1 or MCOL and get in there.

**chantelle** · 8th November 2006 14:59

No, waste no time. Hopefully you will get paid by Christmas. I haven't received a letter yet, just waiting. I shall compare when I get my letter. Have you opened or heard of a parachute account icon

?

**Waveydave** · 8th November 2006 16:18

Originally Posted by chantelle

No, waste no time. Hopefully you will get paid by Christmas. I haven't received a letter yet, just waiting. I shall compare when I get my letter. Have you opened or heard of a parachute account icon

?

i think parachute account icon

refers to opening a seperate ( non natweat) account so that you have something to fall back on if they get nasty and put restrictions on your account.

Its something ive looked into but not sorted yet

payment by xmas would be loverly although to be fair i think ill use any money i do get from this to pay off other debts rather than fritter on xmas as ive done most my chrissy shopping lol.

Fingers crossed anyway

**Waveydave** · 28th April 2007 19:22

Wooooo - well i finally got round to puting the claim through mcol on the 30th march 07 and Natwet have sent me a cheque today for the full amount + costs + 8% interest icon

which totals £538.01

With the cheque i recieved a letter which states

"we believe that your particulars of claim disclose no reasonable grounds or cause of actio against the bank. However we believe that given the aMOUNT of your alleged claim it is not commercially viable or cost effective to defend this claim"

So is that a standard reply ?

I also got the speel about payment being made in Full and final icon

settlement and that payment is made with no admission of liability and subject to my agreement not to court publicity or disclose details to third parties etc,

It also asks me to write to the court to discontinue proceedings and not to take any steps to enter judgement against the bank.

So three things

1) What do i do next ?
2) where do i support this site with a donation icon

3) MODS - add me to the WON totals

Onto Lloyds icon

and the biggy now ( 6k)

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