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I sent the letter to Natwest ' letter before action' and told them i had calculated £2771.00 in Charges from my 2 accounts.
They sent me a letter back saying they dont belive the charges where unlawfull but are willing to give me £400. for one account and £175. for the other and a gesture of goodwill.
Obviously i am not going to take this!
Not sure now tho..
Do i start court proceedings straight away or send a letter declining their offer?
I would write to them declining their offer, refer them to your previous letter and remind them of the deadline you set. Keep to your deadline and take the next step at the right time. Good luck.
My 1st response from Natwest was the offer and it came from the branch manager.
I sent him a letter declining the offer and i have now had this letter back from Stuart Higley (Customer Relations)
Thanks you for your letter which has been passed to me for my attention, im sorry you found this offer unacceptable. Consequently the offer is now formally withdrawn.
There will be no refund of £2,771 for which you have asked and i note you proposed way forward.
I am dissapointed to note you are contemplating legal action, whilst i hope you will feel able to reconsider, should you decide to go ahead, please ensure that any proceedings are served on our registered office address.
I am sure that this letter doesn't provide the answer you might have hoped to recive but nonetheless thank you for raising the issue with us.
----
Can any tell me if they have had similar letters?
Is this to put me off do you think or do they think i have no case?
Also .. im confused about how to work out the intrest. Can any one advise?
On the spread sheet it says UNPAID CHQ CHARGE and CLEARED TRANSACTION etc
ive got unpaid chq chrges etc but not cleared trensaction...
ive got ... referal charges ... card misuse and charges that dont have n e thing by them just the date?
i dont understand it?
am i suposed to type ove the 'in respect of?'
I think you just delete whats already on the spreadsheet and insert what they have charged you, for example, 'unpaid direct debit, £38'. You enter the date on which they charged you and the spreadsheet calculates the interest to today's date.
I still feel really confused about all this and looking at other peoples threads its not going to end n e time soon.
I am currently on benefits and dont have to pay court costs, should this mean i would be intitled to legal aid do you think it would be worth me getting a solicitor?
You are getting ready to put a claim in to Money Claim.
You are having problems calculating interest so you can claim back in court?
First of all;
a) Do you have a list fo dates and charges and amounts that have been applied?
b) Have you downloaded the spreadsheet?
c) Can you open the spreadhseet and see it.
No need for a solicitor, but of course, that is your decision. Just remember there is no rush here...
If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks
Sorry you didn't get a response earlier, it got really busy after the new MSE newsletter, and we must have missed your post.
You won't qualify for legal aid on a small claim.
But you should qualify for court fee exemption.
Tbh, you don't need a solicitor. It's actually quite easy to do the claim form. And thanks to Dave's forms, working out how the interest should be straighforward. As Neo asks, let us know if you have the Excel sheet.
Apologies to people who I was in the process of helping, I may be gone some time.
As Neo asks, let us know if you have the Excel sheet.
Sorry, I meant to post to this thread - I have been helping Princess backstage with the spreadsheets...all ready to be printed out...I know nothing of the status for legal aid, so that advice is best left to others...
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Stephanie v NatWest **I WON * I WON**
' letter before action
.
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Re: Stephanie Vs Natwest
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Originally Posted by Bookworm
