Hi Nat Westers,

Got statements today but only going back to October 2002. Do they tend to send them in dribs and drabs? I must say, the package was in a shabby brown envelope, the address was handwritten and it was only just readable. It looked very rushed...guess they must be getting terribly busy! Total so far is £2,081. Letter going out today asking for the other 2 years worth of statements. Will keep you posted.

Paul

Yes because October 2002 was when NatWest changed computer system from Natwest PLC system to RBS group computer system. The rest should be with you shortly

Thanks for that NWSM.

Got the rest of the statements today!!! Talk about dragging things out. Prelim going off for £2,320.

Blimey, I am sure it doesn;t take that long. Please send the Prelim to Customer Relations Unit in Borehamwood. They deal with all letters now.

Thanks again NWSM

Hoping for a quick bit of advice here. I'm doing my sister-in-law's NatWest claim. Got the statements but its a bit disappointing with only 2 charges for card misuse. However there are lots of charges that are not really specified. It just says Charges, date and her account number. They are all at the end of the month and all for either £14 or £28. Can we claim them or are they some sort of service charge? Thanks in advance.

Paul

Unarranged Borrowing to me, and yep add it on. £14 and £28, any others?

Cheers NWSM! There's quite a few and they add up to about £380. Firing off prelim in the morning. All the best,

Paul

Make sure Prelim is sent to the Customer Relations Unit at Borehamwood.

Will do, many thanks for your help.

Paul

Hi Folks,

Been away for a while dealing with Barclaysharks (I won and got over £2,000 more than they actually owed). Anyway, I'll be hanging around here for a while now. I'm about to issue the wife's claim against NW and I can't find that interest calculator. Anyone know what happened to it? By the way, I can't use those spreadsheets so I just need the simple 8% calculator. Cheers.

Paul

MCOL done today - at last!

Onwards and upwards now Paul. Good luck.

Well, the claim was issued on 26th March, they aknowledged on 12th April giving them 28 days. No defence has been submitted. I could enter judgement but am reluctant to do so because won't they simply get it set aside and it will take even longer? What's my next course of action? Thanks in advance,

Paul

Any thoughts on the above please?

hi Paul

the 28 days isn't up yet ......cobbetts will normally fax on the lasy day and u will be notified 2-3 days later.....

so just hang in there and be patient there is nothing u can do to speed it up............so chill......

Scott

Yeppo, the hardest part in all this claiming thing is the waiting. Dont be too rushed into everything, sit back, enjoy the ride, and what you learn from this process along the way. You grow in confidence by the day, so let the wait just wash over you. The money will be yours again, but just try and be patient, it will go at the pace it needs to for you to get a satisfactory ending to this............ All the best.......... but just wait, and your patience will be justly rewarded. Fendy xxx

Thanks Scott and Fendy,

Thanks for your support. Yeah, I know all about waiting after dealing with Sharkleycard, who eventually paid up on the evening before our hearing. What a fiasco that was! Scott, the 28 days is up. They aknowledged on 12th April but the claim was deemed issued on 26th March. They had 28 days from then. So I can enter judgement if I wish but is there a better move at this point? I'm not really in too much of a hurry but I feel that the claim has reached a point where I might need to do something. Just not sure whether that means wait or write someone a letter.

I personally would call the court offices tomorrow and speak to the staff there basically asking their advice. i.e. you know you can go for judgement, but is that the wisest thing. Take their advice, they are there to help and usually very very very good and patient, and give excellent advice. I would explain the situ to them and see what they recommend for now. It might be they think to wait a bit longer i.e. another week, but see what their thoughts are on this, i.e. what is a reasonable amount of time extra to have given it to wait for the defence to be filed, i.e. what is a good time to go for judgement time wise without the judge thinking youre hurrying it along to judgement. Check with them would be my advice. All the best. Fendy xxx

Paul

try ringing cobbetts and tell them u will enter judgement unless they give u a reason not to.........ie a cheque is on the way.......

if a cheque isn't on the way ask them why haven't they filed the defence within the permitted timescale..threaten them with judgement and see what happens......

i would expect they will be rather embarrased as they have probably forgotten to file the defence, give them 24 hours to pay u in full or u will enter judgement........see what they say...........

Good luck

scott

Thanks again Fendy and Scott,

Good advice and scales will be duly clicked. I think a call to MCOL regarding what would be a reasonable amount of time to wait. And then Cobbetts (if appropriate) to see what they have to say. By the way Fendy, I didn't have time to read your thread. It's rather long! I take it that you won.

All the best,

Paul

Just spoke to a lady at MCOL who was very helpful. She was limited as to what she could say to me because it is my wife's claim. However, she said if we don't enter judgement they can still accept Natwest's defence. I said what if we do enter judgement and she said in the current climate they would not accept their defence. So I think I'm going to click on the judgement button unless someone here has different advice.

Hi Paul

2 options

1. enter judgement

2. ring cobbetts 1st then enter judgement if they dont give u a satisfactury answer

Scott

Scott,

I'm going to enter judgement and see what happens. If it then gets set aside we don't mind waiting. They've got to pay up in the end!

Regards,

Paul