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.

£6.99



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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    Lightbulb Bonnita v Nat West ***SETTLED IN FULL***

    I just sent my 1st letter off to the bank by registered mail yesterday and i'm all excited at the prospect that they would have received it today!!!! I was lucky enough to have had saved my statements for the last 6 yearsicon exactly and was disgusted at the realisation that the bank had shafted over 900 pounds from me over the last 2.5 years. Sometimes i have noticed they have even charged me for the same unpaid cheque twice in one month only it had been represented on a different day!!! That's taking liberties! One month they even took 150 for various charges and that's not even including the 28 interest i had to pay in addition to that. While i'm paying sky high interest for on my overdraft i notice that when i did have a few thousand pounds credit in my account (a distant memory now) i was only paid a few pence interest.

    I was doing ok until i got made redundant and then following that my partner and i split up and i was left with a mortgageicon on my own. It didn't help that the bank was making my life even more difficult. I'm in a better financial position now and have paid off my overdraft so there's not time like the present right.

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  2. #2
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    Default Re: When it rains it pours...and i'm waiting for my money shower :-)

    Nice one, let us know how you get on!

    Ex CAG helper ^_^
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  3. #3
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    Smile 2nd letter on its way

    After having posted my first letter by recorded delivery (and having a slight panic when after 6 days royal mail still couldn't confirm that my letter had been sent and the Natwest were telling me that they had not received any letter from me) my response finally came (within the 14 days). The letter spewed the usual rubbish that i have seen others quoting on this site saying that their charges are fair, reasonable and transparent blah, blah, blah... Was sent by Doug Barker at the customer care team.

    So anyway i will now be sending my 2nd letter first thing tomorrow (Monday) and look forward to receiving just over 1000 now that i have calculated the interest......eventually. But i guess good things come to those that wait.


    MOD NOTE: THREAD MERGED FOR EASE OF FOLLOWING CASE

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  4. #4
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    Lightbulb Claim in progress

    Hi everyone.

    After sending both the initial letter and the letter before actionicon as of Monday 1st May i logged my court claim for 1136.

    Natwest tried to stall me by calling me up after a week and a half of my letter before actionicon to say that they would get back to me within 5 working days with either an answer or a resolution, however this would have taken them over their alloted 14 days so i filed my claim. The claim went through and they have now been issued, however interestingly yesterday (4th May) i received another letter in the post from Natwest supposedly dated 27th May which hasn't even arrived yet!! This arrived 7 days after their last phone callicon and was sent first class therefore they must have sent it after they had received my claim. Anyway the letter said that they were not able to respond to my complaint and would get back to me in another 10 days. Obviously they are trying to stall for time and didn't think i was serious in my threats, however with the timing of the letter and the dodgy date i'm wondering if they were just trying to cover their backs with the courts by saying that they did respond to my letters of complaint within the time frames. Of course with the 'mistake' on the date no one would be able to varify when the letter was sent!


  5. #5
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    Default Re: Claim in progress

    Have you still got the envelope?

    If so is it postmarked?

    Not that it really matters though, since they have had ample time to refund your money.

    Alan, Derby, UK.



    PLEASE HELP US TO KEEP THIS SITE RUNNING
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    _________________________ _______

    Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

    DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

    Advice given is purely my opinion, and is not based on any legal training.
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  6. #6
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    Default Re: Claim in progress

    Yeah, i checked the envelope and there was nothing on it!! Just the prepaid 1st class postage envelope mark.


  7. #7
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    Default Re: Claim in progress

    You're granting them more intelligence, all right, cunning, than they have.

    Like dinosaurs, unable to adapt, they churn out the same letters that they have used to good effect for so long...

    Meanwhile, we send our letters, sticking to our deadlines, and these unavoidably cross paths with theirs.

    It doesn't matter, in the end. Your claim, your deadlines. You set the rules this time, and as long as they're reasonable (and this site ensures that they are), there's jack **** they can do about it. Cool, hey?


  8. #8
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    Default Re: Claim in progress

    A response to my claim was due on 21st May and i got to Friday 19th thinking that i was gonna be laughing all the way to the bank. Meanwhile since my last posts i mentioned that Natwest had sent me some time stalling letters with bizarre timing and they have continued with this tactic. They sent me another letter saying they were still unable to deal with my queries and they had been waiting for some documentation related to my file that had been delayed (Huh, does that NOT make sense or what??) and would get back to me within another 10 (same as letter before). Then they refunded 111 back into my account (thats not even half of the 1136 they owe me and doesn't even cover the 120 i had to pay to start the claim!!) and said that it was a gesture of good willicon although they did not agree with my claim (first time they had even mentioned the claim in all the letters they had been sending) and any further charges would still stand blah blah......

    Unfortunately Natwest aknowledged my claim that day giving them 28 days to respond, so now my new date to wait for something to happen is 4th June.

    AAAHHHHHHH the wait is agony!!!!!!!!!!!!!!!!!!!! !!!

    They have stated that apparently they intend to defend all of the charges so we'll wait and see.


  9. #9
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    Default Re: Claim in progress

    Oh my god.... I cant believe that NW can be so crap AND get away with it (or at least think they can)

    Good luck.



  10. #10
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    Thumbs down Re: Claim in progress

    Natwest have today defended my claim in full!!!!!!!!!!!!!! The buggers, so now i have a court date to look forward to. Anyway i don't know how they can defend the whole amount when they have already paid 111 back, but anyway. Now i'm scared but my intention is to stand my ground. Has anyone else gotten to this stage and then been paid out before the court date??? Advice needed please.


  11. #11
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    Default Re: Claim in progress

    If you read around it seems quite a few people get paid off just before the court date, so hang in there!

    Good Luck.

    I will gladly donate 5% of reclaimed charges to CAG!
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  12. #12
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    Exclamation Advice re Claim in progress!!!

    After defending my claim Natwest's solicitors sent me a letter requesting additional info under section 18 of the CPR as they feel that there are insufficient details in my claim to enable Natwest to make a reponse (moneyclaimicon only gives you a certain amount of space to write your claim, but i put in the most important details and i think it's clear). With BankFodder's advice i sent them a letter in response saying that CPR 18 does not apply to small claimsicon and therefore refused to give them the info they required. Immediately after they sent me a reply saying that they feel that the particulars of my claim do not properly particularise my claim and therefore have informed me that the judge may order me to supply the info they have requested under section 27.2(1) (f) of the CPR in order to ensure that both parties have an equal footing in court. They also say that they beleive that my claim does not have any prospect of succeeding.

    However as another gesture of goodwillicon (after already having refunded 111 into my account) they would like to offer a further 600. Accepting this offer will be in Full and finalicon settlement and on the basis that i do not disclose any facts or details to any 3rd party and that i withdraw my claim and i would have to accept it within 7 days.

    I know that they are again trying to scare me into dropping the claim and also i feel that if they were so sure that my claim would not succeed in court then they would not offer me over half of what they owe me would they?

    I don't want to accept the payment, However i am panicing slightly as i can see that Natwest do not want to make it easy for me and i can see them letting it go to court!! Should i relpy and say that i will not accept their payoff or not respond at all. They said that if i don't accept they will inform the court and draw to their attention that i have declined a entirely reasonable offer in the circumstances.

    Help!!!!


  13. #13
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    Default Re: Claim in progress

    Firstly, please do not start separate threads repeating your request - it makes more work for moderators and is not appreciated. I have since deleted that one.

    Onto the question...

    They are, I believe, referring to a breakdown of the charges. Did you originally send them a copy of the spreadsheet showing charges, dates, amounts and interest claimed?

    If not, then you should send them a copy (and one to the court also, clearly marked with the claim reference number). I would have thought this will be the last you will hear from them before a refund is made.

    Do this asap and send it special delivery - the court can go standard 1st.

    ..

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    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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  14. #14
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    Default Re: Claim in progress

    Thanks for the reply Jonni2bad and sorry for starting a new threadicon, but i was desperate as no one had responded since last Friday.

    Yes in the last letter i sent to the solicitors in which i stated that section 18 of CPR did not apply, i did include a breakdown of the charges, dates and reasons as they had requested, however this doesn't seem to have made much difference. I will however now sent a copy to the court as i didn't do this before.

    Should i tell them basically thanks but no thanks in respond to their letter which said that i have until Thursday 15th to accept the 600 offer, or should i just let it pass?

    Thanks for any help given.


  15. #15
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    Default Re: Claim in progress

    Let them know you will accept it ONLY on the basis that it is a partial offer, not Full and finalicon. They probably won't accept this, but at least they'll know your position.

    Just for future reference, if ever you need help and have not had a response for a day or so, just PM one of the mods with a link to the question (thread).

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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  16. #16
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    Wink Re: Claim in progress

    Thanks Jonni2bad, your help is much appreciated.


  17. #17
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    Talking Paid in full!!!!

    YIPEEEEEEEEEEEEEEEEEEEEEE EEe i can hardly contain my excitement!!!! The day after receiving a copy of Natwest's allocation questionnaireicon from Cobbetts they sent me a cheque for a 'goodwill' payment covering the full amount + interest and 120 claim fees. From reading other peoples posts that have received full payment i suspected that i might get a cheque very soon after receiving the allocation questionnaire, which, by the way, they didn't submit until the very day of the submission deadline. I can see from other posts that they like doing things on the last day, that's if they can be bothered to meet the deadline at all!!

    Obviously they tried to set the condition that acceptance of this payment by me means that i agree to confidentialityicon, however after reading Vampiress' posts i sent them a letter saying that i cannot agree to this and giving them 3 days to respond as to whether they accept this or not. I gave them the option of sending them the cheque back if they were not happy, or waivering the condition of confidentiality upon which i would accept the payment and discontinue the claim. They sent me a letter back after 2 days saying that they were willing to accept and therefore i'm off to the bank in a minute. That money is going to go straight to paying off one of my credit cards in full and i will also make a donationicon to the site.

    I'm so glad that i stuck to my guns, didn't let them intimidate me with their scare tactics and joined everyone in the struggle. Thank you so much to everyone for their support and guidance and to anyone that has not yet received their money back, or has just started DON'T GIVE UP THE FIGHT!!!!!!!!!!!!!!!!!!!! !

    I will continue to be actively involved in this site and pass on my knowledge/experience to others that need it. xxxxxxxxxxxxxx


  18. #18
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  19. #19
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    Default Re: Claim in progress

    Well done! I am so inspired to take Natwest to court now, I am going to write to them next week and ask for a schedule of my charges over the last 6 yearsicon. Do you think it is worth it though if it is only for around 200!?! :?


  20. #20
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    Default Re: Claim in progress

    Well Done Bonnita,

    The last date that NW have to enter a defense in my claim in 05/07/06 - hope I hear something soon,

    You have inspired me though.... Well done!!



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