Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

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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)


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  1. #1
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    sue glenton Novitiate



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    Wink The Enforcer **WON**

    This procedure has been relatively straightforward compared to other threads on this site.(I'm processing this on behalf of my son who has been and is still being robbed by nat West) Even at this late stage they are taking charges off him.
    I set the ball rolling on 31 March after receiving statements and calculating what was owed by NW

    1st letter - no response.
    2nd letter (recorded delivery) - letter back saying 'your statements will be with you shortly and we note the comments about your charges'.
    small claimsicon after the required time frame - NO response
    So Judgement time -Pay up by deafult and the court sent Nat West the Judgement and still no response.

    Today is the seventh day since they received it. My contact at the small claimsicon court tells me I can now pay to follow up with enforcement/bailiffs. Could there be a photo opportunity in the offing?? Phone to bank tomorrow will decide.

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    • #2
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      fivelaws Informative fivelaws Informative fivelaws Informative fivelaws's Avatar



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      Default Re: The Enforcer

      I'd like to see the bailiffs go and do a "walking posession" in your local NatWest branch... "computer, 100. Swivel chair, 5. Desk, 20..." That would be ace!

      Sadly, they'll probably just pay up double-quick snap once they realise they face public humiliation.

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    • #3
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      Default Re: The Enforcer

      Why are you phoning the bank? Just send in the bailifs. You can contact the media when you know the date the bailifs are going in, but you'll have the money by then, or they'll apply for a set-asideicon - most probably.

      Good work, I hasten to add.


    • #4
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      Default Re: The Enforcer

      I agree - don't bother phoning them.

      From other cases i have read about that got to this stage the bank applied for the judgement to be set aside, you might want to have a look for one of these so you're ready for anything you may need to do if this happens.

      If you found this post useful please click on the scales above.

      Egg - 400 - Prelim sent. On hold.
      Mint - On the list Est 800
      GE Capital - On the list (3 accounts!) Est 4000

      MBNA - 545 Prelim sent 13/11/2006
      LBA sent 1/12/2006
      350 partial payment received 18/12/2006.
      Full settlement received 20/1/07

      NatWest - Est 4000 not incl interest
      Data Protection Act Sent 10/1/07
      Statements received 24/1/07
      Prelim sent 3/2/07
      Full Settlement received 22/2/07

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    • #5
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      Exclamation Re: The Enforcer

      Thanks for the comments.

      Can they still apply for the judgement to be setasideicon after the 7 days has lapsed? I thought that was the final decision from the court that Nat West had defaulted -not responded-and had to pay.

      When my son rang them the legal team was unavailable (bit busy maybe?) and the customer relations guy's response to the next step of enforcement was 'Do what you've got to do'.

      I will process the enforcement but read other threads first to get more info.


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      Default Re: The Enforcer

      Than can most certainly apply for set-asideicon, pretty much whenever they like. So far, it's only been done as another delaying tatctic and to save face; ie "we never lost the case, we just settled out of court because of the costs".

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    • #7
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      Question Re: The Enforcer

      Ok Guys, here we go.

      Enforcement warrant requested today cost 55
      Made the first claim via small claimsicon court on 24/4/06
      Judgement on 1/6/06 so now it's bailiffs.

      Do they just think we won't do it and take it to the end? Spoke to the small claimsicon helpline who advised me that "bailiffs probably wouldn't be appropriate for a bank!!!! and that there are different types of enforcement, (news to me)The court might summons a director and get him to explain to the court why he hadn't paid up" (responded even).

      Anyway I've processed the warrant bit, they can do what they like now as long as the money comes back.


    • #8
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      Default Re: The Enforcer

      Quote Originally Posted by sue glenton
      Ok Guys, here we go.

      Enforcement warrant requested today cost 55
      Made the first claim via small claimsicon court on 24/4/06
      Judgement on 1/6/06 so now it's bailiffs.

      Do they just think we won't do it and take it to the end? Spoke to the small claimsicon helpline who advised me that "bailiffs probably wouldn't be appropriate for a bank!!!! and that there are different types of enforcement, (news to me)The court might summons a director and get him to explain to the court why he hadn't paid up" (responded even).

      Anyway I've processed the warrant bit, they can do what they like now as long as the money comes back.
      There are different types, yes. Like Garnishee orders and things. You can probably find them if you Google the right terms.

      I think baliffs are actually the most relevant to banks as the others involve blocking salaries and taking the money from someone who owes the bank money (garnishee) which would be very difficult to enforce.

      Most banks I can think of have lots of expensive computers for starters which should cover your claim easily. Or perhaps those large safes full of money...

      By they way, did you post how much the claim was for? If not do you mind me asking what the total is?

      If you found this post useful please click on the scales above.

      Egg - 400 - Prelim sent. On hold.
      Mint - On the list Est 800
      GE Capital - On the list (3 accounts!) Est 4000

      MBNA - 545 Prelim sent 13/11/2006
      LBA sent 1/12/2006
      350 partial payment received 18/12/2006.
      Full settlement received 20/1/07

      NatWest - Est 4000 not incl interest
      Data Protection Act Sent 10/1/07
      Statements received 24/1/07
      Prelim sent 3/2/07
      Full Settlement received 22/2/07

      The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional
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    • #9
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      Default Re: The Enforcer : bailiffs on the way

      Thanks cornflake, I am still not au fait with the lingo. Completely different language to me.

      Natwest owes my son 3063.95 that includes interest since date of claim (and small calims fee of 120) and not including enforcement fee of 55. The charges are over 4 years. And they are still deducting money as we speak. small claimsicon court are telling him that all charges will be refunded.

      parachute accounticon in place, once I know where and when I'll post the info and contact the press re bailiffs in Natwest.


    • #10
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      EMODONNE Novitiate



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      Default Natwest: Ulster Bank

      Have been reading this site all night and just wondering. Ulster Bank are Natwests sister bank in Northern Ireland. Everything on this site relates to English/Scottish law but I am assuming that as we are all in the UK that the laws relating to bank charges will be virtually identical. If anyone knows of any reason this may not be true I would be most grateful to hear from them. I intend to send of my DPA on Monday to test the water anyway.


    • #11
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      Default Re: The Enforcer : warrant applied for

      I think the law is the same, but English & Scottish law differs on the fine details of the small claimsicon court. No idea if NI uses English law for this or if you have your own system. Maybe a phone callicon to your local county(?) court would answer the question? Unless somebody on here already knows the answer...

      Edit : And it's best to start your own thread, maybe in the General area rather than "threadjack" this one - it's less likely to be read here unless somebody is already following this thread (like me...)

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    • #12
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      Talking Re: The Enforcer : "Your Cheque is in the post"

      THEY PAID - NO MESSING!

      Can't beleive it until the cheque (3k+) arrives but have been told by the court that it will be with us next week. Bailiffs went in to NatWest - Local Branch - and retrieved my sons money.

      Your donationicon will be with you shortly, can't thank you enough for your hard work and constant support with this process.

      I am not good at detail and hopeless at forms, didn't put the Head Office address on and still got the cash. Don't sweat the small stuff fellow forum users, just keep at it. This system works


    • #13
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      Default Re: The Enforcer : warrant applied for

      Well done! Another win for the small person!!

      MY POSTS ARE MY OPINION ONLY...IF IN DOUBT TAKE PROPER ADVICE...I'M JUST CLAIMING TOO !

      NatWest SETTLED IN FULL 25/08/06
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    • #14
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      Default Re: The Enforcer : warrant applied for

      congratulations

      Well done and thanks for the donationicon could you also fill in the survey please

      Go on ... you know you want to click me
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      Default Re: The Enforcer **WON**

      That is excellent!!
      That's the best one yet! The thing is as well bailiffs can come straight in if the doors are open (as they obviously are with banks).
      Well done.


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      Default Re: The Enforcer **WON**

      Well done, it gives us all hope.

      2nd July 2006 NatWest total claim 1964.00
      3rd July 2006 Sending First letter to ask for money back

      8th September sent letter before action letter
      12th September letter back saying Nothing at all really !!!!!!!
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      Default Re: The Enforcer **WON**

      Did the baliffs actually enter the bank then?

      You should tell a few newspapers about that.

      EDIT: Just read your earlier post. Did you let the press know? A photo of baliffs walking into a Natwest branch would make my day!

      If you found this post useful please click on the scales above.

      Egg - 400 - Prelim sent. On hold.
      Mint - On the list Est 800
      GE Capital - On the list (3 accounts!) Est 4000

      MBNA - 545 Prelim sent 13/11/2006
      LBA sent 1/12/2006
      350 partial payment received 18/12/2006.
      Full settlement received 20/1/07

      NatWest - Est 4000 not incl interest
      Data Protection Act Sent 10/1/07
      Statements received 24/1/07
      Prelim sent 3/2/07
      Full Settlement received 22/2/07

      The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional
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    • #18
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      Talking Re: The Enforcer **WON**

      Thanks for the responses and to whoever changed the title to WON. I tried and it didn't work.

      The bailiffs told us that there would be a two week wait for them to go in, so when we rang to find out the date time etc, they'd already done it. I was going to inform the local press but they were too efficient.

      It would have been such a great story.

      Thanks again to Dave and the team, you are excellent!


    • #19
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      Default Re: The Enforcer **WON**

      Quote Originally Posted by sue glenton
      Thanks for the responses and to whoever changed the title to WON. I tried and it didn't work.

      The bailiffs told us that there would be a two week wait for them to go in, so when we rang to find out the date time etc, they'd already done it. I was going to inform the local press but they were too efficient.

      It would have been such a great story.

      Thanks again to Dave and the team, you are excellent!
      The press might still be interested in the fact that they did actually get as far as going into the branch. I'm sure the baliffs would be happy to confirm it.

      If you found this post useful please click on the scales above.

      Egg - 400 - Prelim sent. On hold.
      Mint - On the list Est 800
      GE Capital - On the list (3 accounts!) Est 4000

      MBNA - 545 Prelim sent 13/11/2006
      LBA sent 1/12/2006
      350 partial payment received 18/12/2006.
      Full settlement received 20/1/07

      NatWest - Est 4000 not incl interest
      Data Protection Act Sent 10/1/07
      Statements received 24/1/07
      Prelim sent 3/2/07
      Full Settlement received 22/2/07

      The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional
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    • #20
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      Default Re: The Enforcer **WON**

      GREAT NEWS!!!!! Well done, what would some of these boys do without their mums x

      I am fighting for my son too! They have filed a defence in his case though - much the pity!

      7th June mcol 30 + 276.00 + int17.37=323.37 Abbey
      Accepted 291 chq cleared 28th July
      7th June mcol 120 + 1135.02 charges + 83.42 chq for 1438.44 paid to bank 2nd Aug
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