This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

thank you for the reply's i will try to upload what they have sent me asap and also find out whether the claim was continued or stayed.

Hi I wonder if anyone can give some advice please I had a personal loan in 2006 for around £6000 which regularly paid for two years. Unfortunately 2008 I was diagnosed with cancer and had to go to hospital for various ops etc As 1 was unable to work I fell behind with the payments and was defaulted. I then set up a repayment plan with the dept collector of £5 a month in which I paid for around three years I then stopped paying when I discovered that the credit collect had to prove the dept. I then received court summons from Cabot in he post in late 2016. I defended the claim by asking them to prove it letter. The summons was the discontinued by the court and I have not heard anything else from them until last week, they have now sent me all the documents that I have asked for signed loan agreement and statements etc In the mean time my cancer has now progressed and I have been diagnosed terminal 1. my question is have they now got a good case and will I have to pay. 2. should I write to them and tell them, about my illness and give them copies of the hospital letters Kind regards William

Hi shane247 Well its just that I had just over £500 in return direct debit charges applied to My account in June of this year..... So I first rang my local branch to ask for the return of the said charges and They said no. I then rang customer relations to complain and I said that I will take natwest to Court if I don’t get the charges refunded... They said no So I then rang mr cunnane who is the manager of customer relations and I told him That I would like the charges refunded to my account and that I will not stop Complaining and that I would if necessary go to the next level until I get the charges refunded. Three days later the £500 was refunded to my account hope this helps regards william.

or you can give John Cunnane 020 8236 8007 ( Customer Relations manager) and ask him for your money back, i did and i got it .... let us know how you got on good luck.

any news m8?

hi i had the same thing, but it took about 4 weeks to come off. hope this helps regards.

any news yet?

hope this helps Name xxxxxxxxxxxxx Address xxxxxxxxx Address xxx Countyxxx Post code Cobbetts LLP Ship canal House date xxxxxxxx2006 King Street Manchester M2 4WB Your Ref: xxxxxxxxxxxxxxxxxxx Particulars of claim Dear Sir or Madam: IN THE NORTHHAMTON COURT Claim No: xxxxxxxxxxxxxxxx Account Name: xxxxxxxxxxxxxxxxxx Account number: xxxxxxxxxxxxxxxx Sort Code: xxxxxxxxxx I acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc. 1. The Claimant has an account ("the Account") with the Defendant which was opened on or around xxxxxxxxxxxxxx 2. During the period in which the Account has been operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant. 3. A list of the charges applied is attached to these particulars of claim. 4. The Claimant contends that: a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit. b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law. 5. Accordingly the Claimant claims: a) the return of the amounts debited in respect of charges in the sum of £xxxxxx and £ xxxxxx interest. c) Court costs £xxxxxxx d) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just. I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative I believe that the contents of these particulars of claim are true

hi i used this ( taken from posts on the forum) hope it helps Name xxxxxxxxxxxxx Address xxxxxxxxx Address xxx County xxx Post code Cobbetts LLP Ship canal House date xxxxxxxx2006 King Street Manchester M2 4WB Your Ref: xxxxxxxxxxxxxxxxxxx Particulars of claim Dear Sir or Madam: IN THE NORTHHAMTON COURT Claim No: xxxxxxxxxxxxxxxx Account Name: xxxxxxxxxxxxxxxxxx Account number: xxxxxxxxxxxxxxxx Sort Code: xxxxxxxxxx I acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc. 1. The Claimant has an account ("the Account") with the Defendant which was opened on or around xxxxxxxxxxxxxx 2. During the period in which the Account has been operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant. 3. A list of the charges applied is attached to these particulars of claim. 4. The Claimant contends that: a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit. b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law. 5. Accordingly the Claimant claims: a) the return of the amounts debited in respect of charges in the sum of £xxxxxx and £ xxxxxx interest. c) Court costs £xxxxxxx d) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just. I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative I believe that the contents of these particulars of claim are true

its normally 28 days from when they acknowledged it.

apply for a judgement straight away.

hi trevor yes m8 I sent it recorded delivery I have only just sent it so no response yet but I will keep you posted m8 "Do you recommend that we remove the paragraph that you have in your letter relating to the credit agency findings" yes as this relates to my personal circumstances. please keep us updated and good luck regards william.