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Nat West and Shoosmiths


paul26may
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paul26may,

 

Welcome to the CAG site .

 

the answer to your question is £10 per request.

 

You need to start a thread on the NatWest forum.

Where you will find alot of help and support.

Good luck.

Click on link.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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  • 1 month later...

I am trying to sort mine and my girlfriend's claim for refund from Nat West and I am confused!

 

eg.

 

March 2005

 

Unpaid items, standing orders and direct debits 2 * £35 = £70, fair enough.

 

Then on 31st March -

 

Charges 04 Mar A/C 2427**** - £37.

 

Can we claim this or not?

 

By the way, on 4th March the account was overdrawn £3000.

 

Please help!

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Hi Paul, welcome on board the nutty west forum!

 

Sounds like you guys have an Advantage Gold (AG) account - which means you're paying Nat West a legitimate fee for a service they're providing. Unfortunately, Nat West have now started to lump in AG fees with unarranged borrowing fees - making it hard to work out what they're charging you in penalty fees!

 

Have a look at the sticky in the forum on Advantage Gold and unarranged borrowing http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html- this will help you work out what you can reclaim from them. Basically, you deduct the AG fee from the charges - and reclaim the rest. If you need any more info, post back on here and we'll help as much as we can. Hedgey x

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  • 7 months later...

HELP!

Just had a letter from Shoosmiths. They got a charging order on our property in December, £17,000, and are now threatening repossession if we don't pay them £750 per month for the next 2 years.

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Bump

 

I'm afraid I haven't got a clue, sorry, but you'll be at the top again so hopefully someone will pop in and have a look.

 

gh

If you find my advice helpful - please click on my scales

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Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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a little more info would be helpful

 

what was the debt?

 

did you receive any court papers? have you moved address recently

 

do you have details of the judgment? do you know what court it was obtained in?

 

regards

paul

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The debt is £17000 and it was a 'home improvement loan'. In other words a loan of about £10k that was then increased to £13k by the very helpful Nat West clerk.

 

I have had court papers etc and went to court for the charging order procedures. The solicitor from Shoosmiths actually said that they wouldn't go for possession. But of course I don't have that in writing.

 

Hope that helps a little.

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Forgot to mention, it was obtained at local county court and also I have several claims against the Nat West for bank charges.

 

Furthermore, I really feel like we need help urgently regarding our overall financial position. There are mortgage arrears and problems with the secured loan. We need some breathing space to enable us to get things back on track.

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  • 10 months later...

I have sent a CCA request to Nat West - purely because I want to see a copy of it, not because I intend challenging.

 

However they have replied stating that as they have already obtained a CCJ they are not obliged to produce the CCA. Is this correct?

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I have sent a CCA request to Nat West - purely because I want to see a copy of it, not because I intend challenging.

 

However they have replied stating that as they have already obtained a CCJ they are not obliged to produce the CCA. Is this correct?

 

No, they are wrong. There is nothing in the Consumer Credit Act which specifies what they are claiming. Check sections 77 and 78 here - Results within legislation - Statute Law Database

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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  • 4 years later...

Back in 2004 my girlfriend and I remortgaged her home in order to pay off some unsecured debt

and her ex husband his 25% share of the equity in the property.

 

The Nat West was one such debt but instead of allowing me to clear the loan I had with them they insisted I put the money into my current account

- which was overdrawn at the time and

 

after the deposit they stopped me having any further access to it

- and that is where it has stayed ever since, some £10,000.

 

I still have a personal loan that Shoosmiths keep reminding me about and the current account balance is being slowly eaten away

by charges relating to another Nat West account.

 

In 2009 we were repossessed after running up mortgage arrears of approx. £6000.

 

Now my query is this.

 

If the Nat West had allowed me access to that current account and the £10k that was in there we would have not been repossessed.

 

By the same token they surely could not argue that the money was there to pay off a debt because it has never been used to do so.

 

The loan remains outstanding to this date and the £10k that was raised from the remortgage has just been placed on deposit and is losing value.

 

I would suggest that at the very least they should have cleared the loan off with the money I deposited with them.

 

There was also PPI on the loan that I tried to claim on but was knocked back.

 

Both my partner and I have suffered ill health as well by the way, largely because of the stress we were put through.:?:

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why did they refuse you access to the £10k?

 

get that PPI back too!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so you've made no contact with then since when

 

this seems mighty unfair

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The only contact I have is a quarterly statement and the standard letter from Shoosmiths threatening me with you know what.

 

I get one of those perhaps 2 or 3 times a year but nothing ever happens.

 

I think the last time I was in correspondence with Nat West directly would have been around 2005/2006.

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then I think it time you started letter complaint to them.

 

explain what you have here and see whatthey say.

 

its a bit unknown what help you'll need till be see their response.

 

I wonder also if BCOBS might play a part too

 

you have certainly been treated unfairly

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 years later...

My ex partner (Deborah) took out a loan with Nat West about 12 years ago.

 

CCJ issued in 2007 for £24,000 and not satisfied.

 

Earlier this year Drydens got involved.

 

To cut a long story short we sent an N245 form in to the local county court in March offering to pay £20 per month.

 

She never heard anything further.

I contacted the court on Monday of this week and they explained that a letter had gone out to her in April.

Nice chap at the court said he would send another out which she received today.

 

The variation quite clearly states that £20 has to be paid to SHOOSMITHS in Northampton

by 4th July and thereafter every month.

 

I rang Shoosmiths to set up a direct debit.

They can't just do that they need Deborah to call them.

 

She did do only to be told that Shoosmiths cannot take payment and she must contact Drydens.

I called Shoosmiths and they won't talk to me.

Deborah has to phone them.

We're going round in circles!

 

Are Shoosmiths playing silly beggars?

Are they being deliberately obstructive?

Can they refuse to ignore the court order like that?

 

In the meantime Deborah is stressed to hell over it all and quite unwell.

 

 

Advice please?

 

Thanks in anticipation everyone!!

:-x: and mad2:

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Can you ask your ex partner for a letter of authority to deal with this on her behalf ?

 

 

Send a letter to whomever by Special Delivery and insist that they provide you with their bank details in order for you/partner to set up a direct debit in order that you can comply with the terms of the court order.

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Reading between the lines..looks like Shoos have assigned the handling of the judgment to Drydens ..

We could do with some help from you.

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