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kerriegeorge

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Everything posted by kerriegeorge

  1. rec'd corbetts AQ and an offer of £1100. have replied with yes will accept in part payment template letter! so so close now x
  2. if its astandard account claim everything as the only thing u cant claim is a service charge - i.e advantage gold fee and u aint got one!!!!!!
  3. your not changing it your expanding it - dont panic youll be fine. its not a letter i drafted myself so its a winner!!
  4. see kay v Natwest's thread page 2 - reply from mod
  5. whatever u have written in your POC Corbetts are asking more questions. the only case lost (see natweststaffmembers link) was thrown out because they actuall said that the claimant hadnt breached the contract. the letter i have pasted (from bank templates library) says everything u need to say. a mod has seen the letter in a previous post) the words arent word for word to my own POC but when asked further questions by Corbetts this letter is what i sent as it has more detail than the one i sent when i claimed on line. the basic content is the same just expanded. you are panicking about nothing. you are forgetting that Corbetts have sent u a pretty standard defence to what everyone gets on here - more to the point you dont even have to reply to it as your original POC was enough.
  6. obviously if your claim is not the same u will have to amend bits and like i said several posts ago u could copy and paste bits from mine into your CPR reply letter on page 1!!!! or just do whatever u like!
  7. OK so cut and paste the bits u can use!!! as long as all the law bits are in there thats what matters right? also use the letter u drafted (cut and paste them)- i replied to someone else earlier about the very same thing and a mod advised that the person could either send the letter as i advised or leave it and dont reply as in fact u dont have to reply to them at all. if your confident that they have been sent everything they need.
  8. its a template letter hundreds have used on here - it particularises the claim answers all the questions and gives them enough info that they couldnt possibly argue with - up to you!
  9. Woh there neddy!!! are u working out interest on your charges or claiming back the interest that has acrued because your charges have sent u over your limit? your message is very confusing
  10. u could just copy and paste mine into yours 1. The Claimant has an account (Account Numbers Sort Code) with the Defendant. 2. During the period in which the Accounts have been operating the Defendant debited numerous charges to the Accounts in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant. 3. The lists of the charges applied is attached to these particulars of claim. 4. The Claimant contends that: a) The charges debited to the Accounts are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit. b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law. 5. Accordingly the Claimant claims: a) the return of the amounts debited in respect of charges in the sum of £00000 b) Court costs £0000 c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just. I believe that the contents of these particulars of claim are true
  11. same here - paid to local county standard delivery cashed few days later x
  12. hey darth - dont panic they are merely trying scare tactics and its a pretty standard letter. i replied with a letter and YET another schedule of charges. You actually dont have to even do this but no harm in covering yourself - ill put the letter on here for u - back in a tic x
  13. if u look in the faq'a section there is a step by step guide that will help u along the way x it was too long to send in personal message x
  14. ok u should of sent the LBA after 14 days. it doesnt matter though. it doesnt make alot of difference who u send it to to be honest. As long as your sending them and they are receiving them. i sent mine to Natwest Customer Relations FREEPOST Nat 12685 BOREHAMWOOD WD6 1BR and got responses to both my letters within a few days. i'll private message u a step by step guide it should help u x
  15. well if u go over your overdraft limit u will be charged an unarranged borrowing fee (UBF) this at the moment is £28. BUT what Natwest do is put the Advantage Gold Fee (AGF) and The UBF together so on your statement it would read £40. or previously £38 £36 etc if u have these charges u need to claim the UBF but not the AGF. Your interest will go up the more your overdrawn but unless you have gone over your overdraft limit as a direct result of the banks charges its not claimable. even if it is claimable its hardly worth it as its alot of compliacted work for a very small amount. You can however once u get to the Court stage add on the 8% interest. have u filled in the spreadsheet in the bank templates library?
  16. absolutely martin they try every scare tactic in the book to try and scare u not to continue with your claim - imagine how many people drop out at the last stage and how many thousands it saves them!!!!! keep going with it and remember u will win in the end!!!!! good luck x
  17. have u waited the 14 days? if so yes send them the LBA (letter before action) from the templates library, they have a further 14days from the day u send it. after this if they havent paid up (which i doubt they will have) u file a claim either through www.moneyclaim.gov.uk or by doing it the paperway. u will find links and templates for what to write and guidance notes in the bank templates library. Did u use the spreadsheet in the library to enter all of your charges?
  18. No the bank have already rec'd your prelim and LBA so no need to send to Corbetts. As for the Courts its up to y9ou - some do and some dont, i really dont think it makes much difference unless a case is actually heard. i am at the very latter stage and if i get a date for a case i would forward all relevant info to the courts. good luck x
  19. Hi Jem - the interest is alot of complicated work for a very small amount - most people dont claim it - i didnt. its up to u but by the sounds of things u will only have a small claim so the interest prob wouldnt amount to much. For more info on Advantage Gold fees see Natweststaffmember's sticky at the top of the Natwest Thread x
  20. Natwest Bank and Natwest CC are both a part of RBS ( Royal bank of Scotland) - Good Luck x
  21. some do send it some dont - i havent, however, in the unlikely event it is going to actually get to court i would forward it. good luck x
  22. yeh it seems to be moving along as it should - good luck
  23. oh? i made mine payable to cheltenham court and it has been cashed with no problems!!!
  24. im running at the about the same time scale as u - i also res'd corbetts AQ yesterday - keep me updated as i will u x goodluck x
  25. I sent this with yet ANOTHER schedule of charges - it expains everything and they havent argued with it!!! Dear Sir/Madam 1. The Claimant has an account (Account Numbers Sort Code) with the Defendant. 2. During the period in which the Accounts have been operating the Defendant debited numerous charges to the Accounts in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant. 3. The lists of the charges applied is attached to these particulars of claim. 4. The Claimant contends that: a) The charges debited to the Accounts are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit. b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law. 5. Accordingly the Claimant claims: a) the return of the amounts debited in respect of charges in the sum of £00000 b) Court costs £0000 c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just. I believe that the contents of these particulars of claim are true
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