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.
NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006
Follow up Data Protection Act letter - 09/08/2006
Bank Statments arrived from CR – 06/09/2006
Preliminary Letter sent - 07/09/2006
LBA Sent – 14/09/2006
Money Claim filed – 28/09/2006
Money Claim Acknowledged - 03/10/2006
Owed: £903 21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER
What I would personally find helpful (and maybe a few other members would as well) is if you could maybe post on here the Particuars of Claim you used (obviously minus any personal bits)? I'm just getting to my N1 stage and, although have done the N1 form in 'rough', it would be handy to see another POC, especially from someone who has recently won !
At what stage did they pay out too? Did you have to go a long way down the line?
Best wishes.
J
NatWest
Statements sent for - 18/09/06
Statements received (in full!) - 03/10/06
Initial letter of claim sent - 05/10/06
Offer received for £1,400 approx - 21/10/06
LBA sent with acceptance of offer as part, will pursue for the rest - 21/10/06
Reply to LBA received (forwarding to Cust. Rel to deal with) - 25/10/06
i am currently looking into claiming my charges back, they total about £1600.00, but i need help, im woried because i have a overdraft with matwest and am always in it, right up to the max in fact, would Natwest make me close the account or would they credit it and let me carry on banking with my overdraft??
I'm still banking with them and I still have an overdraft.
If you're worried get a back up account elsewhere, but start you claim now, you have at least 3 months before you win, plenty of time to get another account!
NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006
Follow up Data Protection Act letter - 09/08/2006
Bank Statments arrived from CR – 06/09/2006
Preliminary Letter sent - 07/09/2006
LBA Sent – 14/09/2006
Money Claim filed – 28/09/2006
Money Claim Acknowledged - 03/10/2006
Owed: £903 21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER
What I would personally find helpful (and maybe a few other members would as well) is if you could maybe post on here the Particuars of Claim you used (obviously minus any personal bits)? I'm just getting to my N1 stage and, although have done the N1 form in 'rough', it would be handy to see another POC, especially from someone who has recently won !
At what stage did they pay out too? Did you have to go a long way down the line?
Best wishes.
J
I filled in the Money Claim with the template given here, the important things to remember is to include WHY you think these charges are illegal (it's on the template) and of course how much you want!
I got my money early, I didn't have to fill in the questionaire and it was 14 days before my court due date.
Lucky me
NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006
Follow up Data Protection Act letter - 09/08/2006
Bank Statments arrived from CR – 06/09/2006
Preliminary Letter sent - 07/09/2006
LBA Sent – 14/09/2006
Money Claim filed – 28/09/2006
Money Claim Acknowledged - 03/10/2006
Owed: £903 21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER
actually i have just had a thought , i also have a loan with Natwest, of about 7k, this was a consolidating loan as i was overdrawn and it covered the amount i was overdrawn and all the charges and interest, i was pushed into this loan as ithere didnt seem to be any other option available to me, do you have any advise about what i can do about this please.
You can refer to me if you need help, but I don't know everything!!!
As for the loan, my advice is claim for any charges ON the loan, and claim for any charges ON the account (within 4 years) and use the winnings to pay your loan off.
NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006
Follow up Data Protection Act letter - 09/08/2006
Bank Statments arrived from CR – 06/09/2006
Preliminary Letter sent - 07/09/2006
LBA Sent – 14/09/2006
Money Claim filed – 28/09/2006
Money Claim Acknowledged - 03/10/2006
Owed: £903 21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER
Well done!! I have a question, although you may not have had to do this.
I've just received an offer from Natwest, having completed the aq etc etc and am about to reject it. Did you do this? I'm just wondering if the letter in the library that I used to reject my earlier offer is the correct one to use now.
hi bazzlad, stringernicy here, well done to you. im a new member with "CAG" and I have just sent my initial SAR letter to HSBC. Unfortunately I think I may have made a mistake and sent it directly to my branch, I did not send it recorded or special del. Did I send it to the right place? As you may be able to tell Im finding this whole process very confusing, and quite stressful. Im very worried as there is so much information to take on board, that I may forget some detail, end up in court and have it cost me an arm and a leg. This I cannot afford. HSBC are already stinging me for £125.00 a month in charges, this is putting me in so much debt Im at a loose end.
actually i have just had a thought , i also have a loan with Natwest, of about 7k, this was a consolidating loan as i was overdrawn and it covered the amount i was overdrawn and all the charges and interest, i was pushed into this loan as ithere didnt seem to be any other option available to me, do you have any advise about what i can do about this please.
please help
jess
My understanding of this is that once they payout on your charges you can then claim for the interest on the loan if the loan was direct caused by the charges etc. I have read of someone being paid in full for the loan and it was cleared off.
this is the route I am going down, just finalising the charges bit with Bank of Scotland first.
If I have helped click my scales....
Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
Hiya, I know you weren't asking me but I can answer you anyway! I sent my letter directly to the branch and that worked fine for me. This site is so helful, I've filed the claim and done the allocation questionnaire etc so have been through a few more stages than you. Just make sure that you keep reading the posts and keep copies of everything, and you'll be absolutely fine x
i always wonder why they give up at different stages and pay up....
some get their money back with out even trying, some have to try a bit then before they get to court, some have to put the claim in.....you get my point.
congrats anyway, my fingers are crossed i get the same luck, my claim went into the court on thursday
13 July 06 - Data Protection Act request sent to NatWest :-|
7 August - Natwest want to 'discuss my account'
9 August - "HISTORIC STMNT FEE- £5.00" showing on online bank
16 August - Statements Arrived, tatty brown sellotaped envelope
I am a little bemused, Do you have templates of the letters that you used. I am right at the beginning - i only found out about this on Friday but I know Barclays owe us money.
There are templates for every single letter that you need to write throughout the process- these are in the template library on the first page of the forum.
The best thing to do, and most people will say the same thing, is to spend a few days looking through people's posts and getting the feel for what the process is. Read the FAQ's, read the templates and also read the step by step guide. That way you can't go wrong!! Good luck!
actually i have just had a thought , i also have a loan with Natwest, of about 7k, this was a consolidating loan as i was overdrawn and it covered the amount i was overdrawn and all the charges and interest, i was pushed into this loan as ithere didnt seem to be any other option available to me, do you have any advise about what i can do about this please.
please help
I had the same and put the amount of interest charged on loan on spreadsheet and it then apportioned that ot what amount was charged on my loan. But I filed claim on 24/07 and have today sent cobbettts back a cheque (not a refusal of settlement but because of the way it was written) and they are disputing this loan interest. People have on other banks had their loan refunded - but you can't claim it back twice - so ifthe charges were a large part of the loan and you claim them then you can't then claim the loan.
I'm here to help now so dont' worry, drop me a PM if it's personal or just message this thread. As for the person starting it's VERY important to know the process, there's an FAQ with steps and templates all on this site. Read them, digest them, use them. Don't go off half knowing what you're doing. It's a receipe for disaster and a few people lately have skim read the forums and gone off, only to find they filled in their moneyclaim form wrong. Good luck one and all
NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006
Follow up Data Protection Act letter - 09/08/2006
Bank Statments arrived from CR – 06/09/2006
Preliminary Letter sent - 07/09/2006
LBA Sent – 14/09/2006
Money Claim filed – 28/09/2006
Money Claim Acknowledged - 03/10/2006
Owed: £903 21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER
Im doing as much reading possible, i have opened a separate folder on my pc going through all the steps in a way i understand and everything i may need.When i first came on here it was daunting, but hopefully as the days go by things will get clearer.
It will mate, and if it doesn't just PM me and I'll do what I can.
Bazz
NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006
Follow up Data Protection Act letter - 09/08/2006
Bank Statments arrived from CR – 06/09/2006
Preliminary Letter sent - 07/09/2006
LBA Sent – 14/09/2006
Money Claim filed – 28/09/2006
Money Claim Acknowledged - 03/10/2006
Owed: £903 21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER
I won 2 days ago. Anyone need advice?
The Consumer Forums
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Originally Posted by tigerlilly24
Re: I won 2 days ago. Anyone need advice?
