Turned 2 cheques down now, got my court date for early April and not heard from Cobbetts since my last letter dated end of January turning down the second cheque again. Time is running out for one or both of us !. Nerves of steel. Looking forward to my day in court.

After sending my letter I have today received my notice of allocation to the small claims track (hearing) in April. Does this mean that Cobbets will now do nothing until the week before ?. Quite funny though as my name is correct on all documentation except for the Order from the courts where they spelt my name wrong !. Is it just a case of sitting and waiting further now, or do Cobbets start to pay out when we get to this stage ?. Rgds Alex * I also have two friends on the trail of Natwest following my adventures, and between them they have over £5k of charges to claim back. Snowball effect continues !

Letter sent ! Keep the faith.

Hi Michael, Thanks for your feedback. Yep that is what I believe, and therefore I would be a hypocrit to take the money and run. I am in for the long haul and will stick to my guns. Cheers Alex;)

Hi Anyone, Would really appreciate some consumer support here ?. I am doing the right thing yes in turning this latest offer down given my circumstances of the 15 x claims that are in year 7 ?. Cheers Alex

Can you believe my parents tried to sign up to BT Broadband but were put through to an Indian call centre. Having been with BT since the yeard dot, and assuming as they are the brand name they must be best they wouldn't consider my recommendation of Utility Warehouse who I was using. When speaking with India about this, my mother was asked if she was sure she was with BT as they couldn't find her !!. After 10 or more minutes of pain staking conversation, she told them where to put broadband if they could not even see she had been with BT for over 25 years !. Finally glad she took my advice and I signed her up to UW, for which she has now been extremely happy. I also had massive headaches with NTL, and only because I had a friend in the office could I get my account resolved !. Not what you want really.

Hi Westy, They must read this thread because low and behold a letter through this weekend with a cheque for £273.98 as long as I withdraw my claim !. That barely covers the court fee of £120. Given my claim has been made on 15 entries that were in the 7th year, am I right to reply that this is unacceptable and hold out for my £711 ?. They have even put on the cheque my name payable into account (then my old natwest account no) which I no longer have and cancelled about 8 months ago !. Hopefully light at the end of the tunnel. Alex

Hi All, Well christmas has come and gone, and still nothing from the courts ! The last I heard was from Cobblers when they stated they had filed the defence. Do I still sit and wait to hear from the courts ?. When are Natwest likely to make an improved offer ?. Getting impatient now with the waiting nut hopefully I shall hear something soon. Alex

Great thanks Deller, I will look forward to some good news in the New Year then all being well !. Have a great xmas too.

Hi Alan, Many thanks for this that is brilliant, and I promise to stick to this thread !. Have a great xmas too. Just received my latest letter from Cobbetts this morning in the post and it states the following:- 'We refer to the above matter and enclose a copy of our clients Allocation Questionnaire which has today been filed at court'. Ok what to I do now ?. The last thing I did was turn down the offer of £160 from Natwest but say I would accept that as an interim payment, and then they have come back with this. This is literally there copy of the form that was filed to court on 20th Dec. I welcome your advices out there on how I need to proceed from this, bearing in mind my issue with the first 15 entries as detailed a little earlier in this thread. Rgds Alex

Hi Deller, Sorry I did try to reply to my last post thinking it would go to the top of the threads again, but it didn't seem to hence my latest post. My claim was for £720 plus £300 of interest charges, so I had to pay a £120 court fee. In hindsight 15 of my claims which were in 2000 totalled approx. £500 of my £720 !. I then got this advice from Westy, which I followed up with a letter to Cobblers stating I would accept £160 as an interim payment. No, don't worry about the 15 entries. Write back to them rejecting the offer and accepting the £160 as an interim settlement only. They will withdraw the offer. Include in your letter something along the lines of the following. "You have stated in your letter that NatWest will not consider any claim over six years old, alleging that it is time barred under the Limitations Act 1980. I shall be claiming, under S.32 (1) (b) and © LA 1980 that NatWest has knowingly concealed the unlawful nature of its charges from its customers, and I was not aware of this fact until the last few months - nor could I, as a layperson, be expected to be so aware. I am therefore giving you this opportunity to reconsider your decision not to refund charges extending back beyond 30 October 2000." FYI - S.32(1)(b) relates to concealment of facts leading to the cause of action rather than concealment that the charges were unlawful. So you would need to establish that they concealed the the true cost of the services they were providing in relation to your breaches - and their standard 'our charges are fair, clear and transparent' sentence is probably an enormous help in doing so. Hope that helps. If it does, click the scales! Westy I sent this letter on 8th Dec. and have heard nothing further. Do I wait ? Contact the courts ?. Cheers Alex

I received a letter on 8th Dec. stating that they would offer me just £160 and saying that as my first 15 entries were older than 6 years these would not stand up. Somebody kindly sent me advice on how to respond which I have done claiming that I am not a layman etc and stating that I would accept the £160 as partial payment. I have not heard anything further from Cobblers. Can I contact the courts now to progress ?. Even without my first 15 entries I am owed £200 plus my £120 court fees. Cheers Alex

Ok I followed up with my letter on 8th Dec. but have not heard further from Natwest yet. How long is it likely before they reply to me ?. Should I contact the courst again to set the wheels in motion ?. I want my money...................

Brilliant I guessed not but thought I should check. Thanks, letter on the way !!. Alex

Westy, Do I need to include 'Withour Prejudice' on my reply letter ? Cheers Alex