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.
So glad I found this site! I'm just starting out on my claim (sent prelim letter for £4917 yesterday) and quite prepared to wait it out as long as it takes. Being the kind of person who has absolutely no luck whatsoever I am also fully expecting to become the sacrificial goat they decide to fight back against :o but hey for over 4K of MY money back it will be worth whatever it takes!
Just one small query, if anyone could help? I unknowingly calculated part of my total claim amount to include the advantage gold fee along with the unarranged borrowing charge (between 30 and 40 quid, depending on the fee amount at the time) and now, having just read that the Advant Gold monthly fee should have been deducted, I'm not sure what to do? Should I just leave the amount as it stands, and presume they'll spot this and deduct the fees anyway or submit a new claim minus the AG fees? :?
Thanks, and I'll keep you all updated as I go.
Oh and good luck to everyone else out there fighting the good fight!
They will just deduct the cash you are not entitled from any settlement but you should send them a revised letter informing them. At this moment Natwest are paying out after the first letter, so hopefully they will with you.
Hi Arien,
I sent my Prelim letter two weeks ago and also have had no reply, so my lba went in the post today. Missgiggles is also in the same boat with the same timeframes.
Looks like we might be waiting together. I wouldn't worry too much.
Hope to see cheques flooding in sometime in the next 14 days.
Cheers
Jx
Yes silly me - the account has been closed in my case. (I coud give them an alternate account number into which they can deposit my refund, but haven't to date).
Also, checked and Missgiggles got her offer through on Saturday, so good for her! (though I think she might be rejecting it to get the full amount)
Jx
Thanks Nattie and Hepburn. And yes Nattie I'm sending my lba to Borehamwood, by registered post today.
Nattie, sorry, what do you mean by no cheques forthcoming prior to court? I thought some people received refunds before getting to court? Or do you just mean payment by cheque?? (Sorry, it's early and I'm half asleep )
Hepburn hopefully we'll get some kind of response shortly. Seems strange how everyone has different reactions from Natwest, doesn't appear to have any particular system to it?
x
People do get refunds, direct to their account if it is open prior to court or cheques if it is settled prior to court and the account is closed. Once it goes to suing the bank then it is a cheque for settlement on all occasions
Thanks Nattie. Just sent my lba so hopefully I will hear something from them soon. I sent it registered post, to be delivered by 1pm today so it's 14 days and counting till MCOL
Just received full refund offer (after lba) for over £4K!
Interesting though - I had heard nothing from them after Prelim, and still nothing on day 14 after LBA, but thought I'd ring Customer Services that morning before proceeding with MCOL in the afternoon, just to see if they had anything to say. When I rang I was told that my offer letter was amongst a batch that would be sent out within 21 days, but that they had no way of knowing exactly when it would arrive as the letters were being staggered.
So if I hadn't rung I'd have wasted my time completing MCOL and been £100 out of pocket too. Perhaps it might be a good idea for those of you waiting for replies to try the same thing? Worth a try at least...
Anyway, good luck to you all and hope you have same result!
x
Hi Arien, congratulations on your win!!! Nice bit of news in time for the bank holiday!! Keep on top of them though, as some people are waiting ages for the money to appear in their accounts. Enjoy the cash, hedgey xx :grin:
Congratulations!
My full offer came 3 or so days after the deadline on my lba too, so I was pretty pleased I had ended up waffling about for a few days before filing the MCOL.
Have fun spending your money!
Jx
Delighted it wasn't dragged out too long but still waiting for the offer later, which should have been here by Saturday . Will ring them again later this morning to see what's going on. Presuming bank holiday post is the problem but will ring everyday until I see the money in my account.
Arien v Natwest **WON**
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Re: Arien v Natwest - FULL REFUND!!!
. Will ring them again later this morning to see what's going on. Presuming bank 
