should I stick or twist

**oxtonprenton** · 1st March 2007 23:08

Hi everyone
this bank claim lark is fantastic.
Ive won £4800 from RBOS and just recieved an offer from Nastywest.

Question. I claimed £1830 from Nastywest and they really messed me about. I did not recieve a reply so I filed an on line claim on Monday Morning for £1830 plus interest icon

plus court costs (£2350).
I then recieved their offer today for £1830 but they would not yet know about the claim. Should I take the money or hold out for the full amount. ALso what is the proceedure for the MCOL claim
thanks

Similar Threads:

**Glenn UK** · 1st March 2007 23:16

you have filed before they offered id stick if i were you

Glenn

**hagenuk** · 1st March 2007 23:18

I'm with Glenn on this one, you gave them every opportunity to settle and I would not be inclined now to accept anything less than full payment.

Regarding the MCOL claim, you will be notified that they have acknowledged the claim and at that point they will either settle in full or defend. Nat West have been settling claims recently so you may get an increased offer.

Let us know what happens.

**oxtonprenton** · 2nd April 2007 23:01

Hi to everyone.
Natwest icon

offered my the requested sum 6 days after I had issued MCOL for the claim plus interest icon

plus court costs.

I recieved cobbetts correspondance with a submisssion of them lodging a defence.
I wrote to cobbetts and told them that Natwest had offered to settle and gave them 14 days to settle the original amount offered plus 50% of the differance. Cobbletts told me by letter they could not substanciate the claim as they had no supporting evidance. (even though Natwest offered to settle)
The deadline came and went and I have just recieved Cobbetts "defenants defence" which in the first paragraph is asking for the case to be stuck out due to lack "properly particularised claim" and they are asking for a case management conference. Can any one help ..... as in what should I do next regards
Mike:?

**hagenuk** · 2nd April 2007 23:08

How did Natwest icon

make their offer to you, in writing?

**oxtonprenton** · 2nd April 2007 23:24

Hi,
Yes they did. I recieved the letter which is 2 pages long telling me how its all my fault but they then go on to offer the full amount claimed and gave me a letter which I needed to have signed and sent back. All thic came after the cut off date I provided them so thats why I filed the MCOL for interest icon

and court costs.

**hagenuk** · 2nd April 2007 23:34

Ah, so they offered you a full refund but it was not received until after you had filed. In that case, the offer would usually be withdrawn. However, I would keep it and use it against them. Do not worry about the Cobbetts defence, not a single one of them has worked yet, I am sure yours will not be any different.

This defence is perfectly standard, as is the request for a CMC. Read about it here http://www.consumeractiongroup.co.uk.../natwest-bank/ and I will arrange to have this thread moved as it is in the Welcome Forum and it should be in the Nat West forum.

**oxtonprenton** · 2nd April 2007 23:42

Thanks
should I provide cobbetts with the receipt of their defence which they have requested ??
and can you tell me what the usual time scale is next.
thank you

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