Hello I have today started the ball rolling by sending the first letter regarding the data protection act, on my wife's account. As I have already mentioned I was made bankrupt in 1993 and this hopefully will at least be partial revenge! I am looking forward to recieving their replies as this claim I am sure reach £10,000.

So this is one for the little man at last....John

I recieved a reply from the RBS office of the chief executive on 13-7-06 at 280 Bishopsgate London EC2M 4RB signed by Christian Masters in this letter he is claiming that a full briefing from those envolved will be carried out. I wonder what this can mean?

In the mean time Nat West bounced a cheque for £14 when the balance was +£8 and charged £38 which they refuse to refund. This was done when they knew that the account was being credited with more than £150 the next day, because banks are aware through there computer systems of any credit or debit which will hit the bank the following day

I recieved a reply from the RBS office of the chief executive on 13-7-06 at 280 Bishopsgate London EC2M 4RB signed by Christian Masters in this letter he is claiming that a full briefing from those envolved will be carried out. I wonder what this can mean?

In the mean time Nat West bounced a cheque for £14 when the balance was +£8 and charged £38 which they refuse to refund. This was done when they knew that the account was being credited with more than £150 the next day, because banks are aware through there computer systems of any credit or debit which will hit the bank the following day

Good luck & stuff the money lenders.

By the way your title is a little misleading cos the whole point of our fight is that money lenders are not acting legally so can hardly be described as Legalised Robbers

On about 1-8-2006 I recieved 6 years worth of statement badly packed and split, these had to be repacked by the gpo and coud easily have fallen out.2 days later yet another set of statements turned up! these to were badly packed but the contents in both packets were intact.

Looking through them I could see Nat West had done a proper job on all the charges it had taken and I was in for the long haul in collating exactly how much has been ******

It worked out to almost £13,000!

It is supprising how much interest mounts up, I was shocked.It has thrown up several questions, do I have to wait for there comments on data protection could I start the ball rolling now? Do I ask for the full amount or do I request payment in 3 stages so as not to going over £5000 if court proceedings are instigated Any suggestions will help.

You will be liable for their legal costs if it goes through any other route than the small claims court, also they will be less likely to defend amounts of £4.5k than £13k. But be careful when they settle (one of the ammounts) as they will say that this is full and final payment on the matter and as such if all the charges come from the same account then they could get up in court and enter that as a defense (the fact you have already settled).

Thanks for that, that makes sense. I will be very careful how this is handled.

Thanks for that, that makes sense. I will be very careful how this is handled.

Watch out they may also state in "full & final settlement of any & all claims" If you have to sign anything when your offered settlement make it absolutely clear the you "only agree to accept the sum offered as settlement for you existing claim which amounts to £**** & that you reserve the right to take further legal action as may be available to you"

And this is one of those rare occasions when you should head your letter "Without Prejudice as to Liabilty"

Thanks all for the good advise I will be very careful how I word the 'taking you to court letter' I have last Tuesday sent a letter asking for full settlement but do expect a sod off letter which is what everyone seems to get.By the way I delivered one by hand(signed for) to the branch and one copy letter with a covering letter to the Bank's CEO this does seem to get a reply even if it is the usual standard letter.

I have today recieved an offer and need some advise. My wife has been offered £2877 in full and final settlement. I did request £11,000+ which is what the amount of charges plus interest comes too, should I accept this or how should I proceed. I am quite prepared to go to Court for the full amount (in a number of stages). What should I do, should I enter into a discussion with them or just send them a letter of my intent of court proceedings?

Also can and how (if I can) claim continuing interest charges up until the date of payment after all the banks would try to do this

Thanks John

write and say that you will only accept the offer as partial settlement and that you will carry on with your claim for the rest, they wont pay you this money anyway once you say that

I have today recieved an offer and need some advise. My wife has been offered £2877 in full and final settlement. I did request £11,000+ which is what the amount of charges plus interest comes too, should I accept this or how should I proceed. I am quite prepared to go to Court for the full amount (in a number of stages). What should I do, should I enter into a discussion with them or just send them a letter of my intent of court proceedings?

 

Also can and how (if I can) claim continuing interest charges up until the date of payment after all the banks would try to do this

Thanks John

As we don't know your personal circumstances no one here can really advise you to accept or not. All I would say is £2877 doesnt even come near £11,000 & I myself would tell them to take their joke of an offer & stick it where the Sun don't shine....but not in them words you understand.

PS no matter what they offer refuse it if it's conditional in any way. You may find later that you have reason to after them again

Oh Forgot to say if you do refuse make mention of the fact that until settlement your claim is growing at whatever daily percentage which equals £*** per day........That often gets their attention.

write and say that you will only accept the offer as partial settlement and that you will carry on with your claim for the rest, they wont pay you this money anyway once you say that

If you do write along the lines of something like

"In an effort to help mitigate yours and my losses & with a mind to costs I am prepared to accept your offer as partial settlement of my claim. If you refuse further settlement then I shall proceed with my remaining claim forthwith. Also I would remind you that until settlement is agreed daily interest continues to accrue at?"

If you do write along the lines of something like

 

Although I do not consider your offer to be a genuine attempt at settlement I am in an effort to help mitigate yours and my losses & with a mind to costs prepared to accept your offer as partial settlement of my claim.

 

If you refuse to offer a full settlement then I shall proceed with my remaining claim forthwith. Also I would remind you that until settlement is agreed daily interest continues to accrue at?"

I have sent a letter (recorded delivery of course) stating that I am willing to accept their offer as only part payment.Also I have given them until 10Th September to respond otherwise I will commence court proceedings against them.

I have also informed them about the continuing interest charges is this OK as very little is mentioned about interest - can I do this?

Belive it or not it has only taken them two days to answer my letter.

It says that my letter has been forwarded to their Customer Relations unit -" a specialised team dedicated to resolve more complex concerns."

It is also stated that I will recieve a reply within 2 days! and it also gave me a PHONE NUMBER! 0800 0154212 so if any one needs to use it feel free

Meanwhile I await tomorrows post with anticipation.

I did recieve a reply from Nat West stating that they were not going to offer any more than the amount they had already offered.

In fact the letter is worded in such a way that they were looking for a fight - I hope there not and the letter is only sent in such a way to attempt to frighten me off. No chance! in fact it has made me more determined so Court here we come.

Nat West appear to be getting snotty but it's only because they employ muppets who don't have a clue about the law.

I am about to start legal proceedings against Natwest for about £4900 which is only part of the amount I have asked for. I am going to ensure that the litigation shows that this is only for part of the real amount owed because I dont want it to go over £5000 and the threat of possibly paying any of Natwest's legal expenses.

I am recieving income support does anyone know if I still have to pay for the litigation?

Any advise will be welcolmed.

Don't mention the additional sums you intend to claim for. Treat each claim as if its on its own. Also being on benefits means you won't have to pay fees. Dont forget to take evidence when you lodge your claim in person

I've done it at last. On friday 6 October 2006 I finally lodged my claim with the County Court,this was done at my local cc not online as I am on benefits following 2 strokes and you have to produce documentation to prove you recieve benefits.

So this part of my litigation has cost nothing. One thing I did learn was that even the local courts are recieving lots of claims against banks and also if you are claiming on line all the paperwork is delt with at Northampton, does this mean that the banks solicitors only have to travel to the Northampton Court or does Northampton farm all of the claims out to the local courts?

If all the claims are delt with at Northampton surely it would be a good idea to use local courts instead of online although it is not as conveniant.

Is it not a good idea to give the banks a hugh legal headache by speading the area their solicitors have to cover.

As of yet I haven't recieved any claim numbers but as soon as I know it I will place it on the appropriate section of the website

They will farm it out to a court near to you.

I agree we should not use MCOL as 1st it isn't suitable for most claims that include contractual interest & Northhampton seem to be a court that favours the money lenders

I deivered the litigation forms to the local County Court and today I have recieved a form from the court with the case number on it. I know the site likes to keep tabs on all items where litigation has started, could anyone tell me where to put my details as I dont seem to be allowed access to the place where I think it should be put. Thanks

I deivered the litigation forms to the local County Court and today I have recieved a form from the court with the case number on it. I know the site likes to keep tabs on all items where litigation has started, could anyone tell me where to put my details as I dont seem to be allowed access to the place where I think it should be put. Thanks

Recieved back from the county court a letter stating that the defendant acknowledged the claim on the 24-10-2006 and that it is their intention to defend the claim. I need to prepare document to send to their solicitors but does anyone know how to record the Peter McNamara interview on to cd?