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

reg. office:
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Thread: nat.west

  1. #1
    special k
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    Wink nat.west

    hi new person here just posting to say hello,

    Similar Threads:

  2. #2
    ChloeJane
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    Default Re: nat.west

    Hi New person!

    Welcome to the forum!

    You will find everyone really helpful and supportive!

    As a newbie and as the site can be a bit of a maze to find your way through, thought I would give you step 1.

    Step 1.

    Get your information! So you know what to claim.

    You do this by easily following templates by copying and pasting them to suit you and your details.

    1. Data Protection Act, Subject access request letter - List of charges

    Click on the link above and you will go to a template that will be to request your data and information from the bank.

    You can than spend the 40 days waiting for the information but can look around at what the tiimetable will be and what steps are next.

    A great link is below which sets out a sample of the process.

    Example Step-By-Step Instructions

    Starting a thread (your own story) is a great way to get support and lots of advice. To start a new threadicon which is really helpful for you so everyone can help you, is below!

    http://www.consumeractiongroup.c o....wthrea d&f=84

    Chat -- is a great way to ask questions instantly! so come on in and meet new friends and find support.

    Look me up if you need more help! Step 1 is the letter.

    Good luck!




  3. #3
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    Default Re: nat.west

    Quote Originally Posted by special k View Post
    hi new person here just posting to say hello,
    Hi Special K,
    Welcome to the forum.
    You don't specify if you are making a claim, If as i guess you are all the guidence you need is contained in the following.

    Nat West new thread.
    http://www.consumeractiongroup.co.uk...newthread&f=12
    Click the above link,Title your thread "Special K V Nat West."
    Other members with experiance of your bank can offer informed advice.
    use the template letters in order. Stick to the timetable in there.
    please take time to read the faq's
    LINKS....
    http://www.consumeractiongroup.co.uk...-claiming.html

    FAQs....
    templates library....
    If you have charges going back further than six years read in here;
    http://www.consumeractiongroup.co.uk...ond-6-yrs.html
    There is also live chat, visit if you need any quick advice.
    http://www.consumeractiongroup.co.uk.../flashchat.php
    Finally good Luck.
    Happyolddog.
    If this helps please tip the scales,Left.
    <<<<<<<<<<<<<<<<<<


  4. #4
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    Smile Re: nat.west

    thankyou for your welcome. I have started the claim for my private account, got to the stage of an offer, my claim was for £3516.00 before interesticon, they offered me £3126.00 but they wanted me to sign for Full and finalicon settlement which i am not willing to do, i have written to them asking them how they got to their offer and would they put it in writing, i have not heard anything, so i am not sure as what to do next, except the offer or take them to court.


    also started claim for business account started this in feb, done all the letters,sent them all reg.post they have all been signed for. but i have been completly ingnored not one of my letters have had a response.
    can anyone give me advice on this.


  5. #5
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    Default Re: nat.west

    Try this approach:-

    Dear Sir
    Account XXXXXX
    I am in receipt of your letter dated XXth April reference xxxxxxxx.
    I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, interesticon and court fees of £XXX which together total £XXXX.XX as detailed on the enclosed schedule.
    I will accept the sum offered in your above letter only as part settlement and on the clear understanding that I will pursue recovery of the remainder.
    I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim.
    I am not prepared to agree to any confidentiality clauses you try to impose, unless of course that you are willing to make an offer of due consideration in addition to the above amount, in order to be afforded this privilege by myself.
    I hope that this clarifies my position
    Any good?


  6. #6
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    Smile Re: nat.west

    thanks i will try that should i give them a time limit


  7. #7
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    Default Re: nat.west

    I am planning on giving them the standard 14 days and then see what happens.


  8. #8
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    Default Re: nat.west

    I have just looked at the last letter i sent them dated 16/04/2007 addressed to Mr Stuart Higley.
    It reads . I wrote to you on the 19th march asking you for a full comprehensive list as to how you came up with the amount of £3126.00 which is your offer to us, our claim before interesticon is £3574.00. plus interest of £963.36 bringing the total to £4537.36. We have had no response to our letter. I am writing this letter to inform you that should the response to this letter not be acceptable i intend to claim the full amount claimed together with the interest uo to the date of judgement and court fees in the in the proceedings through the court. I think that i have been very patient in this matter considering that my first letter is dated 19/02/2007.awaiting your reply within 7 days.


  9. #9
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    Default Re: nat.west

    Cant say fairer than that SK.

    Have you already started you claim on MCOL?

    If yes then stick with it-if no then start the ball rolling.

    After all you wrote to them on the 19th of Feb, chased them on the 19th March and that is long enough in my view.


  10. #10
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    Default Re: nat.west

    thankyou for your help. I think I am just putting off the MCOL because I am nervous about doing it, but its time to bite the bullet.


  11. #11
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    Default Re: nat.west

    If you at all unsure about MCOL log onto Her Majesty's Courts Service - Home and follow the links.

    If still unsure ask us


  12. #12
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    Smile Re: nat.west

    hi special k here. has anyone tried to do their claim through the financial Ombudsmanicon, rather than going to court.:o



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