I have a thread Greg v natwest but have not had a reply to my last post on 27 july just wondering if I could get some advise I received the acknowledgment and the banks intention to defend the claim through the court advising me they had 28 days to file there defence is this just part of there buying extra time by my calculations there time runs out on the 15 august 2006 I have heard nothing since then

Received Notice of issue from County Court 18 July 2006 received Notice that acknowledgement of service has been filed on the 19th July I received notification today 27 July 2006 they intend to defend all of the claim they have 28 days to do so the solicitors are Cobbets, Manchester is this just the part of buying time????

Have filed today filled in the N1 form manually as I had to make a choice of paying court fees or feeding the family so did it on tax credits court reckons I should hear from them in 5 to seven days so the ball is rolling many thanks for all the help so far regards Greg

Do I have to wait till the 8 July to file or can I file now as I have received the letter of refusal from customer remains?????

received letter from customer remains today as follows Dear Mr Parker Your complaint regarding charges has been passed to me and I am sorry we have failed to reach an agreement with you. Please accept my apologies for any unintended inconvenience or upset. I regret that there is little I can add constructively to previous comments but having reviewed your account, I can find no instance where charges have been applied when they were not properly due. They have been associated with a lack of covering funds in the account at the time they were presented for payment. Accordingley, the charges that have been applied to your account should stand. That said in the hope of forging a compromise and settlement with you, (person from branch) proposed an offer of £427 as a gesture of goodwill and without admission of error or liability. this would be paid on the basis of a full and final settlement. I know you have declined this offer but it is not to be increased, if on reflection you decide to accept please contact (branch Manager who will arrange payment. It is dissapointing to note that you are contemplating legal action with the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead please ensure that any Proceedings are served on our Registered Office Address, which appears at the foot of this letter. I suspect that this is unlikely to be the answer you might have hope to receive but nonetheless thank you for taking the time and trouble to contact us. signed ON TO MONEYCLAIM !!!!!

Received standard letter today saying they have passed my letter onto customer relations

unfortunately i posted the letter with the amended i mentioned before i got my reply on this post have I created a problem?????

have posted letter lba today Greg

Have amended the lba as follows please advise if this is ok Thank you for your letter dated 21 June 2006 to which I decline your offer of £427.00 from there I go on to the standard lba letter any advice would be appreciated regards Greg

Thanks will do that today Greg

Received standard letter offering me 427.00 is there a refusal template or do I just send them the lba thanks Greg

sent first letter to bank claiming £1014 on the 9th june recorded delivery to my branch and have had no response from them at all is this normal are they playing for time when I send off the next letter on Friday

might be a stupid question but where do i find the faqs

I have just finished adding up all the charges against my account using the spreadsheet in the library and printed off the prelim letter telling them they owe me £1014.83 and have addressed it to my local branch (hope this is correct) and will start counting the days from tomorrow 9 june 2006 until I sent the next letter I phoned the bank last Friday to ask for all my statements since inception of the account 2years ago and they arrived yesterday I am a little concerned however that I have done everything correctly any advice would be helpful Greg