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Thought I would introduce myself, after reading loads of different threads I feel like I know some of you already!
I have put in a claim against Natwest for charges that they have been putting on my account for the past 5 years. I have had to borrow money off my dad to try and keep up with them. I eventually realised that I didn't have to pay them and so started the long road to getting my money back.
I phoned the customer service dept on 14/9 and asked for the last 6 years statements, these were received on 19/9. I sent a prelim letter on 19/9 followed by a lba on 3/10. I received standard NO letters to both of these so I filed a claim at MCOL on 19/9 (hubby's birthday!). They acknowledged on 31/10 and I have not heard anything since.
I expect I will hear something soon and that is when I think I will need help so hopefully someone will read this and be there when I need them
Received defence from Cobbetts today with request for further information (CPR part 188) )asking for a response by 5th December. It asks for information on what I am basing my claim on. Do I just send a copy of the schedule of charges with 8% interest and/or a letter stating what Acts etc apply, also I don't need to answer the bit about the CPR part 18 do I?
I don't know whether to send back my aq now or wait a little bit and see if anything happens from Cobbetts. I sent back an acknowledging letter to them with a further schedule of charges.
What does anyone think??
Ok thanks, I have got my own thread but I feel a bit like 'Billy no mates' on it. LOL
If you'd have asked your questions inyour own thread then I'd have replied in your thread. Don't feel like Billy no mates, I'll keep an eye on your thread and offer you help whenever I can.
I don't know whether to send back my aq now or wait a little bit and see if anything happens from Cobbetts. I sent back an acknowledging letter to them with a further schedule of charges.
What does anyone think??
I think I've answered this somewhere else today already , its entirely your call on whether you return your AQ early or nearer the deadline, like I said earlier there doesn't seem to be a trend with Cobbetts, everyone's cases seem to differ with regards to when there offers and responses are received.
Thank you very much, I have been following your thread, have you had any further development yet?
No nothing as yet, I returned my aq quite early but still waiting for them snails at Cobbetts to return their copy, they've got until 30th Nov so they'll probably leave it right up until then. I've found something to keep me occupied while I'm waiting though, you might have read my developements regarding my loan payments in my thread, I had a fairly eventful Sat morning to say the least.
I got an offer for roughly half today but I must let them know by 5th December which is the same date they told me to reply to their defence letter and CPR 18, is this a coincidence?
I am sending my aq today and a thanks but no thanks letter to Cobbetts, shall I put a copy of my AQ in with it?
Son v Halifax settled in full £292
Another son v Halifax settled in full £30
Bigmama59 v NatWest settled in full £4739.69
Son v Halifax 2nd claim settled in full £130
Bigmama v Halifax settled in full £1125
Nothing to tell up to today, haven't heard from anyone since I sent back my aq and my rejection letter to Cobbetts. The deadline for returning their AQ is 10th December so should hear something soon
Son v Halifax settled in full £292
Another son v Halifax settled in full £30
Bigmama59 v NatWest settled in full £4739.69
Son v Halifax 2nd claim settled in full £130
Bigmama v Halifax settled in full £1125
Don't be suprised that you havn't heard anything, this is normal. Like you say their deadline for returning their aq is the 10th so expect to hear something on or around then.
As predicted I received Cobbetts aq today, interestingly they have filled in the costs section putting £300 as their costs incurred to date, even though it says clearly on the form 'Do NOT complete this section if you have suggested your case is suitable for the small claims track', and they have ticked the small claims track as most suitable. Are they not reading the forms?
They have put in other information:
Case management directions cannot be proposed until the claimant serves a reply to the request for further information which was due on 5 December 2006. In light of this, the defendant may amend its defence or apply to strike out.
What does this mean? I sent back a reply to their defence letter saying I didn't have to fill in the CPR18 with a further copy of my spreadsheet and details of claim.
Son v Halifax settled in full £292
Another son v Halifax settled in full £30
Bigmama59 v NatWest settled in full £4739.69
Son v Halifax 2nd claim settled in full £130
Bigmama v Halifax settled in full £1125
Son v Halifax settled in full £292
Another son v Halifax settled in full £30
Bigmama59 v NatWest settled in full £4739.69
Son v Halifax 2nd claim settled in full £130
Bigmama v Halifax settled in full £1125
Son v Halifax settled in full £292
Another son v Halifax settled in full £30
Bigmama59 v NatWest settled in full £4739.69
Son v Halifax 2nd claim settled in full £130
Bigmama v Halifax settled in full £1125
As predicted I received Cobbetts aq today, interestingly they have filled in the costs section putting £300 as their costs incurred to date, even though it says clearly on the form 'Do NOT complete this section if you have suggested your case is suitable for the small claims track', and they have ticked the small claims track as most suitable. Are they not reading the forms?
They have put in other information:
Case management directions cannot be proposed until the claimant serves a reply to the request for further information which was due on 5 December 2006. In light of this, the defendant may amend its defence or apply to strike out.
What does this mean? I sent back a reply to their defence letter saying I didn't have to fill in the CPR18 with a further copy of my spreadsheet and details of claim.
They are just trying to scare you. You can write to them informing them that you shall be bringing to the judges attention the tactics. re-iterate that only full payment of moneis owed will bring this matter to an end. I did this and they settled the same week.
bigmama59 v Natwest ***WON***
for charges that they have been putting on my account for the past 5 years. I have had to borrow money off my dad to try and keep up with them. I eventually realised that I didn't have to pay them and so started the long road to getting my money back.
Reply With Quote
Re: bigmama59 v Natwest
Originally Posted by bigmama59
, its entirely your call on whether you return your AQ early or nearer the deadline, like I said earlier there doesn't seem to be a trend with Cobbetts, everyone's cases seem to differ with regards to when there offers and responses are received.
