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
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Hi, sorry if this is covered elsewhere:
Just recieved the reply to my 2nd letter 5 days after it was sent, saying they will look into it and get back to me within 10 days, but I gave them 7 days, do I wait or go ahead with a court claim against them.
Great site, I`m hoping for £3***.....!
Assuming you've sent the prelim and the lba, move on to the next stage (Moneyclaim) as soon as their time is up.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Misread the 2nd letter reply, it said they would reply to my concerns within 10 days, guess what they haven`t replied...!, so I faxed them today to tell them I was going to court, no turning back now....
Just a quick question to all the wonderful people here, so far I have only been in contact with Natwest Cumbria Business Centre. Now I`m at the stage of court action, should I still use the Cumbria address or is there a more effective one. ( I haven`t heard from Mr Higley yet, only my business manager who seems to be missing the point a bit...!)
Just a little update for anyone that`s interested. This morning I got a letter offering just over £1000 as`a gesture of goodwill` (yeah right). A bit far short of the £3*** I`m looking for. They apparantly arrived at this offer by applying some random rules such as only refunding charges where "the amount of the item was less than the fee taken" and "on a couple of occasions where the same cheque was returned unpaid twice in a matter of three or four days".
Isn`t it great how they just make up any old rules to avoid paying the full amount.
that was an interesting response you got there, I havn't seen them give actual 'proper' reasons before for them offering a partial refund. Seems even they know and admit that bouncing the same chq twice and charging £38 for a £5 dd is wrong. You also got a prelim offer pretty fast.
Seems you can accept the prelim offer (if your in dire straits it could be handy) but write back and state that you will pursue the remainder. They will probably withdraw it but you never know.
Well done you and I'll keep an eye on your thread to see when you get the rest.
Kate
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08/06/2006 DPA Letter Sent NW Adv Gold £2513.08
08/06/2006 DPA Letter Sent NW Gold Mastercard £unknown
08/06/2006 DPA Letter Sent NW Business Acc £unknown
08/06/2006 DPA Letter Sent Virgin Card £unknown
08/06/2006 DPA Letter Sent Morgan Stanley £unknown
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Despite being a trainee legal executive Kate has absolutely no professional basis to offer legal advice and if unsure you should always seek qualified, insured legal advice!
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I would love the title of this thread to be cumbria123 vs Natwest, but I don`t know how to change it.
Consider it changed! (But i didn't put 'vs' because that is American!)
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Just a note to say my business manager called me today and said she would be passing it on to another department, as I hadn`t accepted the £1000 she offered. Why would I, I`m owed £3***.....!:o
Mr Higley has replied to express his disappointment at my legal action, interesting to read the other threads by anonymous bank workers telling of new departrments being set up.
Court action here we come
Good luck all.
Donantion wil follow.
Currently about to take court action and the Business Banking Relationship SupportTeam just written to say if I don`t resolve my O/D situation in the next few days, they may have to `terminate our relationship`
Now I reckon if I`m in the middle of an unresolved dispute, then they should wait until that is settled first.
The amount they owe me is much more than I owe them.
It won`t cause me a problem, but I have written to remind them that the account is `in dispute` and until it is resolved the O/D will be staying as it is.
Cumbria v NatWest **SETTLED IN FULL**
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Re: 2nd letter reply
Originally Posted by cumbria123
:o
Re: Cumbria v Natwest
