Hi again dx100uk, Could you explain to me in simple English on what I need to do or how your are going to help me on this matter? Many thanks, Nick In order to do that I need to pay £70. I have done this now.

I am unable to prove that. I am not sure if Natwest has any records of that. I doubt it. Frankly speaking when I called Natwest I was told that the person who dealt with my query has not recorded in their system and they had no reference apart of the complaint from the Claims Guys and they said that they have responded to that by awarding me the money. My other theory is that someone in Natwest has dealings with someone at the Claims guys, otherwise my call would have been recorded and referenced properly. As it stands even though when they called me after signing the contract and I directed them to stop they still went ahead and did what they had to do. In principle, I got the money due to their intervention. But I still want to counter claim with the above reasons. I am not sure whether I have strong grounds but I think it is a good idea to do that. Would you suggest I did that?

No, I found the advice online to call Natwest for free. This is how I intent to counter claim: Initially to deal with my missold PPI, I got in touch with a company called Claims Guys. I was not sure how they operated. During the initial process, I found out through one of the bank advisers that I could phone Natwest through their free available phone number on 0800 015 0319 and they would deal with it quickly. I did and I heard from the bank very soon. Afterwards, I was awarded two separate payments via cheques from Natwest, but Claims Guys kept annoying by phoning, texting and writing to me stating that they should take the credit. They threatened me and I signed their papers without knowing how they operated. I was worried about my family. If I really had it through them then the money should have gone to them and not me directly as it happens in most cases. Claims Guys kept saying that I should pay them for their work which I am not sure. When I called and I explained to them, they denied it and harassed and threatened me with the court procedures. WHAT DO YOU THINK?

Name of the Claimant ? The Claim Guys Date of issue – 30 June 2016 What is the claim for – On the 25/1/2016 (my full name) instructed The Claims Guys to investigate mis-sold PPI on previous credit agreements. The agreement was made by telephone and the relevant contract was subsequently signed on 28/1/16. The work was completed by The Claims Guys, and on 13/4/16 the Defendant received from the lender a total settlement offer of (the amount). It is a term of the contract that payment became due at the point that the Defendant received the offer. The Defendant has failed to pay all or part of the sum owed to the Claims Guys. The Claims Guys are therefore claiming: the initial fee for work carried out all fees attributable to reclaiming monies due. It has at the end the full name the claimant from the Claims Guys. What is the value of the claim? £1077.59 (+£70 court fee) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? N/A When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. the claim guys Were you aware the account had been assigned – did you receive a Notice of Assignment? N/A Did you receive a Default Notice from the original creditor? I am not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?N/A Why did you cease payments? N/a What was the date of your last payment? N/a Was there a dispute with the original creditor that remains unresolved? n/a Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? N/A

Hi dx100uk, How are you going to help me? Are you suggesting I file a counter claim to the court or is there any other way, you know that would be suggesting to me?

Thank you for your information. It means I need to act quickly.

BankFodder, I think I have been had, meaning I was stupid for not reading the small print and the agreement. I was wondering what happens with small claims if you do not respond to any court requests for the money, apart of being affected on credit scoring. What actually happens after being served the court notice to settle the payment?

Dear Sir/Madam, I am writing to you with regards to seeking some guidance and support. Initially to deal with my missold PPI, I got in touch with a company called Claims Guys. I was not sure how they operated. During the initial process, I found out through one of the bank advisers that I could phone Natwest through their free available phone number on 0800 015 0319 and they would deal with it quickly, which did. I was awarded two separate payments via cheques Claims Guys kept annoying by phoning, texting and writing to me stating that they should take the credit and I should pay them for their work they did nothing and when they called me and I explained to them, they denied it and threatened me with the court procedures. Today, I have received a court letter asking me to settle the claim of £1170. This has caused me a lot of stress. Please advise me what to do about this. Many thanks and looking froward to hearing from you.