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Sent a claim to Natwest on September 16th for £4,439.42 plus £991.57 interest for 6 years charges.
Got a letter today noting my dissatisfaction but differing in the views expressed in my letter. Despite this they have offered to refund £1,640 as "a gesture of goodwill" in Full and final settlement.
Part of me regards this as a victory but my instinct is to say thanks but no thanks. How do I proceed from here? If I reject this offer do I risk having the offer taken away?
Accept this offer as an intrim payment but make it clear that you will persue the rest of your money.
They may well withdraw the offer but don't worry, carry on using the tried and tested method as used on this forum and you will get ALL your money back.
Interesting I am at the last stage of my campagn and I have never had an offer at all.
If you need anymore guidence there is plenty of resources to be found in the FAQ.
Good luck
Y
Credit Cards
Barclaycard -WON! Amex - WON! MBNA (x2) - WON!
Mint - WON! Monument - WON! Morgan Stanley - WON!
Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
Citi Cards -WON!
Banks
08/06/06 Claim against NatWest started.
01/11/06 Case Closed
08/06/06 Claim against Halifax started
24/08/06 Case closed
Had a call this afternoon telling me that my claim has now been referred to the Customer Relations Department. Is this standard practice or should I be worried?
Very interesting that they seem to have completely changed tactics: they are now making offers right at the beginning of the process rather than completely refusing to pay them at all.
As my claim is for £5,430.99 is this going to be a Small Claims Court action I will need to embark upon or county court? Am I right in thinking there is an £5k limit for Small Claims?
Also I checked my account today and they have slapped a further £260 in charges in September alone!
Do I include this in my current claim or start a new one?
Sorry to ask basic questions but I am new to all of this
Just got the standard bog off letter from Mr Higley in which he claims the OFT have misled us all on bank charges their ruling only applies to credit cards. Interestingly he has not withdrawn the offer of £1,640 but he hgas stated that there is no more on offer.
My claim now stands at £5,700 so I am going to proceed.
Is it now time for the letter before action? If so do I send it to him as he says any proceedings are to be served on his registered office.
Can somebody help me now as this is definatley "squeaky bum time" for me.
Just got the standard bog off letter from Mr Higley in which he claims the OFT have misled us all on bank charges their ruling only applies to credit cards. Interestingly he has not withdrawn the offer of £1,640 but he hgas stated that there is no more on offer.
My claim now stands at £5,700 so I am going to proceed.
Is it now time for the letter before action? If so do I send it to him as he says any proceedings are to be served on his registered office.
Can somebody help me now as this is definatley "squeaky bum time" for me.
Yes its time for lba, what i would do is add that you will accept the offer of £1,640 as an interim offer but you will pursue the rest in court! do not sign anything saying Full and final settlement or you wont be able to claim again.
If they give you the offer then that will bring down your claim amount to below £5,000 so you can go through small claims, pm me if you need further guidance
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Sent my lba on 3rd October and I've received a reply as follows>
I regret that there is little that I can add constructively to previous cortrespondance and noted your proposed course of action. I have alerted our lawyers and litigation department accordingly. May I please remind you that the address when initiating documents is that of our Registered Office, below.
Sounds and tastes like a very standard response. Go straight to MCOL or N1. Whatever you feel more comfortable with. Make sure you use the right Particulars of Claim as Cobbetts are using it as a new trick to get claims struck out. Go through the site and use the more precise one... Try a winning thread...
Good luck.
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Hillsey v NatWest **SETTLED IN FULL**
. Total of £5,400 with interest
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NatWest v Hillsey
