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  1. no more relying on the hob, microwave & grill OMG I'll be able to make a roast dinner:-o
  2. just chuffed! really really pleased - hurrah to a new oven too!
  3. YESSSSSSSS! Dancing inside! First job is done - chunky bunch of flowers to Mum for telling me to do it in the first place :D
  4. Waited til the last. Congratulations, Westy - you deserve it...and that thing on four wheels You'll still see me about too, same bank, different scenario! Take care xxx
  6. Hey Trish, Thanks much - money isn't in the account yet though! *crosses fingers*
  7. Hiya Mike. NatWest seem to be settling prior to court claim at present! I recently submitted my preliminary (1st!) letter, WITH contractual interest and was offered full recompense of all unlawful charges, obviously without interest, 10 days later. After reading for months on this site, I was MORE than prepared for battle - but didn't get it! NatWest have obviously finally wisened up to the fact that it costs them less to offer full penalty amount (without interest) in the interim. Contractual interest was something I had decided to go for, because all of my charges stemmed from one paid, overdrawn direct debit, and it spiralled ridiculously from there in the first instance! I figured they should pay me back, at their OWN unauthorised rate of contractual interest, since I hadn't agreed to their borrowing. In the end, I reviewed their offer, and decided it wise to accept so I wouldn't be viewed by the court as being greedy! (they DO do this.) I am presently forming another complaint, because they charged me when I was under 18 (which is against the CCA) and I will take to the bones for contractual because I don't feel as though I had the knowledge OR understanding to prevent it at that time. I am prepared to lose this amount of money, which is why I am considering going forward. My point is, if you can afford to lose court costs - proceed with your claim after the intial offer of full penalty settlement.
  8. Yes. Examine 'statute of limitations' on the net aswell as here, and review people (from this site) whose claim has been beyond six years on this site. You need to at least see how people have done on here, because it will normally! be purely personal experience, and there will be none of the "my solicitor" thing. Check your age - if you were a minor (under 18) on that date, there is more to read then also.
  9. There are zoodles of examples of letters here on the forum which show how each user has refused this offer, OP. Basically, you refuse the cheque, on the basis that you will only settle without conditions, because you can present to the court (if it were to get that far - and it wouldn't) that they are trying to intimidate you, the claimant into settling easily! Read lots - its helps more than it hinders!
  10. God noooooooo! I suffer terribly from lack of sleep. Am often here in the late hours. Nice to see you around though, tc.
  11. I honestly couldn't speak about what I've seen for those who've been defaulted by Natwest (cos I've seen so few) but I would suggest maybe its completely out of Cobbetts range (being as its NatWest who issued default themselves?) and maybe you need to speak to the organ-grinders? Access to a machine with a recording facility might come in handy? I'm talking, if, buts, and maybe's - but my gut instinct is not to settle without black and white proof of default removal consent. The cheque is very tempting (had a full settlement of charges offered directly to my acct. this week) but I know if I were in your shoes, I'd want rid of the default before ANYTHING else. My first thought is to confirm, even if just by phone the default will be removed. Obviously you need proof, either in writing or by advising them you are recording the call, then taping it. Alternatively, you could return the cheque using and modifying the templatr advising them you want acceptance of the default removal prior to reschinding your claim.
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