Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. #1
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    fleeced1 Novitiate

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    Talking Won - 8 Days After 1st Request!!!!!

    Hi everyone,

    As you can probably imagine from the title I'm totally elated

    ***over £4300 worth of charges refunded!!!!***

    and it only took 8 days following 1 letter of request!

    After watching this forum for months I finally took the plunge and sent a claim to Natwesticon on the 13th February 2007. I was prepared to see it through and was expecting a long, drawn out battle with their solicitors who I have deduced from this, and other forums, are an absolute delight to deal with (being polite here - don't want my first post deleting) and was stunned to receive an offer of the full £4300 I requested this morning from Stuart Higley at Natwest.

    Could this possibly be a record?

    Anyway, things are looking up for anyone awaiting a response.

    Good luck all!!

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  2. #2
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    Default Re: Won - 8 Days After 1st Request!!!!!

    That is fantastic news! Really pleased for you congratulations! I am just about to start my claim to Natwesticon by filling in the spreadsheet, did you do a spreadsheet with your first letter (lbaicon?)


  3. #3
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    Default Re: Won - 8 Days After 1st Request!!!!!

    CONGRATULATIONS!!!!!!!!!

    Well done mate - hope I'm as lucky as you are. Here's to good old Nat West (and the lovely Stuart!!!!!!!!!)



  4. #4
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    Default Re: Won - 8 Days After 1st Request!!!!!

    I did send them a spreadsheet with the slightly amended letter of request template. It showed the date and amount of each charge and I did a sub total at the end of each month which dramatically highlighted how disgraceful the charges were as some months it totalled over £400 and one even topped £900!! (I thought they'd have a job justifying that in court!!). I put a total in bold at the end of the sheet. I sent it by special delivery to my branch.

    Hope this helps.
    Good luck.


  5. #5
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Great! Thank you so much for the info, i will be starting my spreadsheet tomorrow! Slightly over 5K to claim so heres hoping it goes as quickly as yours did


  6. #6
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Brilliant, can't wait to get my statements now!!!! The wine's on order and I'm ready to do the spreadsheets!!!! Cheers for the tip - hope you don't mind, but I think I'll use it myself!!!!

    Enjoy the money - cos at the end of the day, it's rightfully yours anyway!!!!!!!!! Luvving (not!!!) Nat West!!!


  7. #7
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Jetspark - Might you be better keeping it just under 5K to keep it in the small claims court - just in case they try to throw us off the scent and defend (and by some freak of nature win)?

    Thanks Hedgey - It's called extreme saving! Not for the faint hearted.


  8. #8
    NATTIE
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    Default Re: Won - 8 Days After 1st Request!!!!!

    congratulations!! please can you fill in the bank survey.


  9. #9
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Thanks Nattie. Have done the survey now.


  10. #10
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    Default Re: Won - 8 Days After 1st Request!!!!!

    CONGRATULATIONS!
    I have only registered today and will be reading all the info before tackling the Woolwich. Can I just ask, how far back did you go to reclaim your charges? is there a certain time or can you go back to what ever you want to?


  11. #11
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    Default Re: Won - 8 Days After 1st Request!!!!!

    I've only had the account for 4 years so I got all statements since opening. I think you can claim for upto the last 6 yearsicon though - a more clued up member/moderator will be able to confirm whether I'm right or not but good luck!


  12. #12
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    Default Re: Won - 8 Days After 1st Request!!!!!

    That is flippin' fantastic news and great inspiration for all us others claiming/demanding our money back from these low life theives!

    Good for you!


  13. #13
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    Default Re: Won - 8 Days After 1st Request!!!!!

    My claim took about the same amount of time, over 4k in charges. I have some bigger fish to fry now, look out MBNAicon, Barclaycard, Citi card and CO-OP.


  14. #14
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Wow that's excellent news. I'd be elated also and hope I'll be this lucky (i'm not that lucky hehe) Congrats!



  15. #15
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Thank you. I hope you all get what you claimed. I must admit I was suprised to get it so soon - I expected to be the first one to end up in court!!


  16. #16
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Made my day reading your news! My 1st request was sent 20 Feb. Keeping everything crossed I can let you all know good news by the end of the week!


  17. #17
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Nice one - hope your claim goes as smoothly.

    I just wondered how many people having this quick refund have kept their Natwesticon accounts active - I have and I noticed another person with an active account had had a quick refund - I wondered if this was anything to do with a fast payout.

    Anyone any thoughts???


  18. #18
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Hi Fleeced,

    I'm hoping you're right about having an active account forcing a quicker settlement, as I have just sent my prelim letter yesterday claiming £4,914 and my account is still active (so far!). However, I have heard horror stories of banks freezing accounts or threatening to close, so it would appear that the response is entirely random and with my luck I'll be the sacrificial goat who gets taken all the way to court

    Congratulations on your rapid win though - really good news and a great incentive for everyone to keep pushing!


  19. #19
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    Default Re: Won - 8 Days After 1st Request!!!!!

    Well my account was closed about 3 years ago, we are now on day 7 out of 14 on the lbaicon, all I have had so far was a letter saying that they were looking into my claim (that was within the first week of the prelim), and I am still sat here waiting.



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