Forteboy v Natwest Bank **WON**

**forteboy** · 27th October 2006 23:24

Hi All,

i have today filled in the interest icon

on charges courtsey of the "Vamps" spreadsheet, it showed the interest was £334.06 over £100 more than I had originally planned to request so thanks to livelylad for advising me of this. Now I want to send my prelim letter off to Natwest icon

on Monday, so as to ease my nerves do I send the letter from the templates along with my newly completed sreadsheet. Finally do I send the letter to the customer service department i received my statements from or to the headoffice. Many thanks:grin:

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**nathal** · 27th October 2006 23:28

It prob would be best to send to head office(imo) but either, it will reach the correect department eventually

**forteboy** · 29th October 2006 18:51

Hi everyone, as can be seen i have now obtained the figure to claim from Natwest icon

, however it is pretty close to the £5000 limit for small claims, and when the 8% interest icon

is added it will go over the limit:o . Will this have any effect on my claim, will the bank defend more vigorously,I know the banks are in the wrong but I am still nervous about the whole court issue. Any assistance would be greatly accepted

Regards

Dennis8-)

**Michael Browne** · 29th October 2006 18:58

interest

is not taken in account for the small claims limit, but is taken into account for court fees, which for claims over £5000 are £250

**forteboy** · 29th October 2006 19:33

Hi Michael,

thanks for that, but just to clarify it is the claim plus interest icon

plus Court fees but not the compound 8% interest that sets your final figure. Many thanks

Regards
Dennis8-)

**forteboy** · 30th October 2006 15:44

I have finally done it, I have just sent the prelim letter off to Natwest icon

requesteing return of all my money they have illegally taken along with the interest icon

. Roll on my rejection letter and lets get it on.

I have been reading lots of threads on this site but i have not found any one who has actually gone to court, is this correct or have I just not found the right thread as of yet. ! more question if i may what is "Mercantile Court" as i have seen various references to this. Once again many Thanks

Regards
Dennis8-)

**forteboy** · 1st November 2006 10:01

The Bank have received my prelim Letter today, so as they say in all good Movies "let Battle Commence"

Regards

Dennis8-)

**forteboy** · 6th November 2006 21:00

Just a quick update, well there isn't one really, no news is good news as the saying goes.

Dennis

**forteboy** · 7th November 2006 22:53

Hi Everyone,

At last I am one of the family

, I received my first rejection letter from our dear family friend Mr Highley, pretty standard really, don't accept my point of view and wont be returning my money, ah well I will just give up then. Not a chance, Can someone please advise, do I send my lba icon

tomorrow or do I wait until the 14 days are up any advice would be appreciated.

Dennis

**Deller** · 7th November 2006 23:17

They have responded to your prelimainary letter, so yes you can crack on with your lba icon

now!!

**Michael Browne** · 7th November 2006 23:25

Forum advice is to wait the 14 days. Some don't without seemingly adversely affecting their claim. So far. Your choice.

**Deller** · 7th November 2006 23:37

Sorry perhaps I was wrong, I've been lead to believe that once they've responded you can carry on.

Probably better to follow Michael's advice, he knows a lot more about it than me, and he's certainly been very helpful in my claim.

**forteboy** · 8th November 2006 00:40

Thanks guys, I will leave it to next week then, can not wait.

dennis

**forteboy** · 11th November 2006 13:44

Good afternoon all,

I sent my lba icon

yesterday and again its just a matter of waiting. I wonder what Natwest will do, if they settle on this letter it will be great, in excess of £4500, just in time for christmas, and if they wait till I issue court action then christmas will not be as good for the kids but Daddy will get a nice 42 inch plasma screen with the interest icon

the bank will have to give me, in excess of £1100.

I think I will make a start on the court papers on Monday as i do believe christmas will arrive before the money.

Dennis8)

**forteboy** · 13th November 2006 14:46

Hi All,

just a quick note to say that Natwest icon

have received my lba icon

this morning so 14 days before court action will commence

Dennis

**Deller** · 13th November 2006 14:55

That plasma screen's getting closer!!

**forteboy** · 13th November 2006 22:23

thanks Deller I hope so

Dennis

**Allyxia** · 14th November 2006 10:42

Hiya D - Found it!!!

It will automatically flag up for me now when you post on here so I can keep an eye onit - though it looks like you already having lots of fun here already!!!!

**forteboy** · 14th November 2006 12:31

Hi Ally,

thank you for your help, I will obviously keep you all up todate.

Dennis

**lil_jo** · 14th November 2006 12:44

Hi Forteboy

We're in the same boat at the same time lol ... i sent my lba icon

to cr*pwest on 8th November, heard nothing yet (no surprise there then ...) I decided to send all correspondance directly to the branch by recorded delivery, afterall, as soon as it arrives the clock is ticking ... and if they have to be a little bit more organised to get the letters / forms etc to the correct deparrtment then so be it ... the clock still ticks. In my opinion, they harp on about having local branches etc, and i've always dealt with my branch directly ... why change now?? lol. My thread is in the scotland forum under "gimme_my_money Vs Natwest icon

" (long story .. had to re-register with a new name as had real problems logging in / password etc)

I'll be following your thread closely, good luck!!

lil jo xx

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