barracad v NatWest **WON**

**barracad** · 18th May 2006 09:24

Advice needed...

Prelim letter sent 16/05/06. Standard reply received today (so obviously didn't even read the letter!)

In their response they have made it clear that it is their final reply, so do I need to let the 14 days lapse or can I just move on to the lba icon

?

My understanding is that the Prelim gives them up to 14 days, and by them sending a final reply that stage is over so I should move on to the next stage?

All advice appreciated.

Similar Threads:

**dgif1973** · 18th May 2006 09:40

Absolutely, if they have said no then its time for your lba icon

.

Good luck

Nick

**barracad** · 24th May 2006 17:26

Received reply today stating there is nothing they can constuctively add to previous correspondence, and that they have alerted their lawyers and litigation department.

Moneyclaim here I come!

**barracad** · 26th May 2006 08:10

Claim issued today.

Claim number 6QZ34017.

Amount claimed £3,530 + £120 costs + £741.34 interest icon

(Total £4391.34)

**monkey_uk** · 28th May 2006 20:20

whooohooo! Keep us posted!

**barracad** · 14th June 2006 18:24

Received letter today from Cobbetts (Natwest icon

's Solicitors)

Dear barracad,

Our Client: National Westminster Bank Plc
Claim Number: 6QZ34017

We refer to the above matter.

Our client considers that your challenge to its charges would fail in Court. Our client believes that its charges are fair, reasonable and transparent. It considers that the amounts debited to your account have been applied strictly in accordance with your agreement with it and its published tariff, which it is satisfied complies with all applicable laws and regulations. Our client is also committed to ensuring the transparency of the information that it gives to its customers about the operation of its products. As such, our client does not believe that your claim has any prospect of succeeding.

However, as a gesture of goodwill and strictly on the basis that our client rejects any liability to you, it is willing to offer you a goodwill payment icon

of £1,900.

Acceptance by you of this goodwill payment icon

will be in Full and final icon

settlement of your claim against our client and strictly on the basis that:-

1) you agree not to disclose to any third party the fact of, or any details relating to, this payment:

2) you write to the Court withdrawing your claim.

Whilst this letter is written without prejudice icon

save as to costs, in the event that you decline this offer, we will draw this letter to the Court's attention on the basis that we hold the firm view that this offer is entirely reasonable in the circumstances. This offer will remain open for 7 days until Wednesday 21 June 2006.

We look forward to hearing from you.

Yours faithfully

Cobbetts LLP

Now need to think of what to write in my letter back to them telling them I'll carry on til I get the full amount, unconditionally.

(For info: Amount claimed is £3530 + £120 court fee + interest icon

up to today 14/06/06 £756.94 = £4406.94)

**pittn2000** · 14th June 2006 19:35

I've just started taking action with Natwest icon

, keep us posted!!! As I would like to see what they say about this.

**barracad** · 28th June 2006 09:13

Natwest

have sent me a cheque for the full amount, on the condition that it is confidential, and that the claim is withdrawn.

I have written to Natwest advising I do not agree to the confidentiality, and as soon as they confirm this is acceptable I will bank the cheque and withdraw the claim.

**katesage** · 28th June 2006 09:23

CONGRATULATIONS BARRACAD!

Thats such great news. Well done, thats a big hit for Snatchwest. What are you going to spend it on?!
That was pretty quick, you sent your prelim 16/5 and got payment 27/6. Not bad at all.

**barracad** · 28th June 2006 09:27

In a way it's already all been spent!!

I'm getting married next year so it will all be going towards that!

Good luck to everybody - you will get your money back in full.

**pittn2000** · 28th June 2006 10:17

So did you get the full ammount inc court cost + 8%?

**katesage** · 28th June 2006 10:41

Originally Posted by barracad

In a way it's already all been spent!!

I'm getting married next year so it will all be going towards that!

Ahhhhhh thats a good thing to spend it on, karmically speaking. my refund will be partially spent on the same, getting married next june.
congrats again, you must feel great.

**barracad** · 28th June 2006 10:43

Originally Posted by pittn2000

So did you get the full ammount inc court cost + 8%?

Yes. Every single penny!!

**monkey_uk** · 28th June 2006 10:52

Congrats once again buddy!

**Chrissielr** · 28th June 2006 11:21

Well done! Just about to start our action against Natwest icon

and wondered if they had mentioned anything about closing your account?

**barracad** · 28th June 2006 11:29

Originally Posted by Chrissielr

Well done! Just about to start our action against Natwest icon

and wondered if they had mentioned anything about closing your account?

No. Touch wood.

**pittn2000** · 28th June 2006 11:41

Well done fella. Im sending my prelim letter today £622.30 owed!

**pittn2000** · 28th June 2006 13:57

Another question, did you receive the refund in the form of a cheque or was it just refunded back into your account?

**barracad** · 28th June 2006 14:00

Cheque.

**timinio** · 28th June 2006 14:12

GREAT NEWS BARRACAD!!
As an ex stokie myself Im dead chuffed duck

Ive had all the standard p-off letters myself so this is inspirational
At the moment I'm about 7 days behind you,Ive sent in my moneyclaim and had an acknowledgement of N/W lawer (Ronney)corrbets but not the letter you received yet!!You were brave not to accept the confidenciality clause though
Best Wishes for next year
Tim

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