After 29days on my first claim i entered judgement on NW, however one day later(so they got 30!) they managed to enter a defence - however 4 days later(cos it was a weekend before they entered defence)mysterious amounts of money were deposited in my account. Then i got a letter saying that they wont pay up. Then i also got a letter saying that they have paid up - and "stay within your limits or else" letter. So just keep holding on in there and you will get your money. I also used MCOL, so it may be a bit differnet if you have gone through tthe county courts.

Hmmm? quick one here. I have filed with MCOL, obviously based in Northampton, however i live in the east riding(nr. Hull) so am wondering if i need to worry about this court throwing cases out? Or, will i be okay as the 28 days is up on 19th June? and that i have not yet asked the case to be transferred to hull county courts? Advice would be greatfully received.

Its okay lori, look after your toe-nails, you know you will win again - otherwise you would have definitely heard that they will defend. If they had a leg to stand on they would have let you know by now. I filed my second claim last week, acknowledged on Monday 21st - so heres hoping - I need a holiday!

Now been acknowledged, 2nd claim! Anyone else had 2 claims, and anyone had any problems with them? acknowledged 22nd May so they have until 19th June to defend or pay up, hopefully the latter ASAP.

Thats re-assuiring! having just filed my 2nd MCOL, LOL!

Sorry, too tired to read all this. Did they forget to do something on their claim? or not follow the step-by-step instructions?

I will be going MCOL, posted it recorded so will start court process tommorrow morning, as too tired after long day at work to do it now. I am not on benefits so will stick to MCOL, but MTM is right for anyone else doing this! Anyone heard much about the case taht was rejected at court ?

Ok, its been 14 days today since i sent my 2nd LBA off. Should i give them until tommorrow to reply due to the postage before i start court proceedings? I dont think so!

No, dont file at court yet! You need to send your "Letter Before Action" which vcan be found in the templates section - which lets teh bank know that you are going to go to court within 14 days of that LBA letter.

Glad for you smoothy, you should be able to see the rest of the funds come back into your account anytime soon - then you have to let the courts know in writing that they have paid up and the case is settled, but not until NW have paid up EVERYTHING including your court costs. Then you`ll probably get a letter saying they wont pay up, and another letter saying they have paid up and that you have to abide by the terms and conditions from thereon or they will close your account. all on the same day! Well done!

what period is your 2nd claim? could you not get the info off their internet banking site?

Got my standard fob-off letter this morning. At least this means i can get on with sending my LBA earlier than anticipated. *LBA no.2 sent today(01/05/07) gives them until 15th may to respond then court action again! yipee!*

Oh well, as expected, ZERO reply from either my letter or any of my emails, so i will going ahead with my my 2nd LBA 1 week tommorow!

Well done, i do think its rridiculous that they made you wait that long for £110! However it took me 72 days to get back over £4k! so perhaps they are just making money off a "fund" that they have to pay back these fees.

Hey Lori, good luck with your 2nd MCOL, must be on first name terms with them by now!lol! I am mid-2nd claim aswell after just getting over 4K back from them, i have sent a rejugged prelim letter along the lines of : I am writing to ask you to refund to me the charges which you have levied from my account between 21/07/06 to 23/04/07. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. As I am sure you are aware, the recent media interest has highlighted the attempts by financial institutions such as yours to stall or dissuade claimants who are prepared to take legal steps in order to recover their penalty charges. As you have already demonstrated that you agree with this conclusion by settling another case I brought to your attention, I now request you refund the charges that have been levied against this account in the above time period. I calculate that you have taken £xxxxplus £xxxxwhich you have charged me in overdraft interest for the sum which you have taken. Total £xxxx. I enclose a schedule of the charges which I am claiming with this letter. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. The bit in RED is the new bit, so heres hoping they might ACTUALLY read it!

no fair SMESIN you have 7(8 now) more replies than me! and 1000 extra people reading your thread!

I shouldnt worry about it, because -surely- your money would have been cashed only a couple of days after you sent the SAR. NW are taking as long as possible to try and put you off following through with your claim. So just keep plugging away and you'll be fine, allow them a few extra days because in the end it will be worth it. Think about it - a few days for a few hundred quid? i'd be willing to wait. but then i have been ongoing since last june due to financial restrictions(court fees) but now i have all my money back.

At my work place we destry financial information documents after 6 years of keeping them for the inland revenue, however we do have very basic information kept in a national archive. I believe NW would probably do the same as us, but i would think that the information they keep would only relate to names and credit scores/limits. Hope this is of some help.

Easy MTM!

Ok milk tray man, i see where you are coming from, but i have not split my claim - these fees are from the same account that were levied against me during the first litigation process, as that took me nearly a year to compltet due to financial restrictions on starting my court claim. Smoothy, do you think it matters if i send my letter on PINK paper? think it will soften their hearts? lol!

Yeah, that was what i was thinking of doing, just wondered if there was a template out there already. Cheers Smoothy!

Hi, does anyone know if their is a template for the second prelim letter which has in it something along the lines of ... ...I would like you to take into account that you have already settled one instance of chrages on my account... ??

I have sent this message via the secure email system online : FaO : MR Charles Bacon Dear Mr. Bacon, Recently i have reclaimed chrages applied to my bank account through the court systems, having done this for june 2000 to june 2006 i am alson going to start court proceedings for the period of July 2006 to present - as there is another £xxxx of charges that were applied to my account. It would be in your interest to settle this figure amicably without going to court as you would not have to pay court costs OR the 8% interest that can be applied via the court systems. I look forward to your prompt reply before Wednesday 25th April. Thank you Stewart Warnes I will also send this to Mr. Bacons address when i get it. Also. if it comes to me having to start litigation again should i start from the beginning with the prelim letter and then LBA? As i have the info off my online bank account and i dont need the Data protection info.

On the subject of Mr. Bacons email address, does anyone know it?

Hi whiskas!, I have just got all my money back of NW so here goes : Once you file with MCOL you dont need to talk to NW as it is the courts that do that for you. Once filed you have to wait till it has been acknowldeged, usually about a week after filing. Once acknowledged NW have 28 days to file a defence. If they dont file a defence you get the option to pass judgement, ie you win by default as the havent defnede your claim. If you pass judgement too soon NW will get a LATE defence in.(this happened to me on day 29, 5 days later NW paid up, 2 days after that i got a letter telling me they werent going to pay up AND aletter saying they have paid up!) Hope this is some help! You`re nearly there, so dont give up!!