Had a cheque come through the post today for £2,400.77 Had usual clauses in, so have sent letter rejecting that....but kept hold of the cheque (just not cashed it) Seems like it is all over bar the shouting now! YES!!! Mark

First thing to do is read the FAQ on this site, read other peoples threads, then crack on with your claim. Good luck Mark

Ahah...latest news. Offer of £1200 from Cobbetts. To be rejected. Soon, this will all be over!!!! Mark

Ahhh, it seems we are at the same stage..... Good luck... wee

Hello all - some help would really be appreictaed now! Just got a letter from Cobbetts. Thought it may be an offer, but no It says "we note your comments regarding our Request For Further Information. It is our clients contention that your POC did not properly particulurise your claim. For example. our client cannot properly defend a claim where you have not given the details of each charge you claim is disproportionate and unreasonable. The Court is bound by an overriding objective to deal with cases justly and ensure that parties are on an equal footing. It was clearly the case that our client could not respond to your claim where you did not provide sufficient particulars." By way of info, my claim was by MCOL and POC as follows : Particulars of Claim Claimant has account ( xxxxxxx/ xxxxxx) with Defendant from approximately 1999 conducted on their standard terms and conditions. Claimant is claiming the return of £1769.80 taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec. 69 of the County Courts Act 1984 at a rate of 8% a year from 23/11/2000 to 06/09/06 of £411.50 and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £1769.80 x 0.00022 Can someone offer any advice?? I submitted the spreadsheet of charges once to Nat West, twice to Cobbets and CC the court. Thanks Mark

The latest installment in the case... Recieved a defence from Cobbetts yesterday, and also a request for further information (CPR18). Am figuring that I dont need to do anything ref their defence, but will respond to CPR18 request saying that is likely to end up in small claims, and so do not need to respond. Will also send copy of charges. Do i need to update the interest on the charges when I send another copy? Any help appreciated! Thanks Weebag

Received notification that Acknowledgment of Service has been filed.... Cobbetts are the solicitors.. So, gotta wait a little longer! :-| Wee

Finally got round to issuing MCOL - claim was started yesterday....just got to wait now! Wee

Latest news: Letter from Stuart Higley, giving the address to send legal proceedings.. MCOL here we come......... Weebag

Just a quick update.. Letter from Natwest today, from customer lending centre in brighton (not signed). Basically a bugger off letter...BUT..we are claiming BANK charges...and the letter refers to that fact that they do not accept the OFT finind in relation to CREDIT CARD charges...seems they have sent a standard letter out, without checking in reflects the facts. They offer £175.00 as a gesture of goodwill and in full and final settlement. LBA here we come.... Weebag

Camshaft?? Seems odd.................. Replacing a camshaft shouldnt affect the starting at all (and should have caused the typre of problem you report). Prob cheapest way is take to Main VW dealer, explain circumstances, let them keep for a couple of days (let a technician take it home one night so it gets a few miles) - obviously before you can do that, you gotta get it started! Got breakdown cover? Wee

Jeez - I thought we were all here because we need help, not stupid comments from people! None of us have any idea over what got people into the situations they are in. Best of luck glynn Mark

Depends on the service shedule and who did the work. Typically a main (franchised) dealer will charge anything from £65.00 to £95.00 per hour. A 60,000 service is usually (with no extras) about 1.5 hours (you can get the exact time allowed if serviced at a main dealer, from Toyota directly, ring their customer service department and ask and then check against your invoice) Then you have the parts, typically oil filterm air filter, spark plugs, oil, fuel filter. Was the cambelt changed? that would add HUNDREDS! If you want to PM me, with a complete breakdown of charges I would happily look over them for you. I consult to the motor industry - and Toyota are one of our customers! Regards Mark

Thanks Cillitbanger - knew someone would be along with an answer! Mark

Hello everyone, thought I would start a thread on the case of my Fiance v NatWest. By the way, what a fantastic websites this and Moneysavingexpert are. I suddenly feel as though I am starting to get some control back over our lives! Anyway - sent a letter to branch on 3 August asking for £2168.06 and giving 14 days to respond (as per template) Yesterday recieved letter dated 10 August from branch saying "I am not yet able to answer your concern fully, as I need to look into matters further. I will contact you again within the next 10 working days either wilth a full response to your concern or an update." The letter came from the Customer Lending Centre in Brighton (local branch is Eastbourne). So - what is my next course of action? Im thinking send a Letter Before Action to the Customer Relations Manager, Freepost NAT12685, Borehamwood WD6 1BR and copy in the Customer Lending Centre - any comments? The only thing that concerns me is that my Fiance also has a loan with Natwest - whilst we have a parachute current account should Natwest decide to shut account down, we can not afford to repay the loan yet. Anybosy been in this situation? Once again, thank you to all contributors to the website - wish Id found it a long time ago! Mark

Seems REALLY odd that they would put LHM in (Liquid Hydraulic Mineral) as it is only for Citroen cars that has Hydroelastic suspension...and yes, its green! First point of call is a letter to: NATIONWIDE AUTOCENTRES LTD 7/9 Richmond Road Olton Wharf Olton, Solihull, West Midlands B92 7RN They are also member of the RMIF, so that would be the next port of call (make sure you have something in writing from the 'other garage'. Wee

Hi - did you buy the car new or second hand? If second hand, the responsibility lies with the vendor....(actually, it does if new too, but if bought new Renault will take more interest). The things Renault will look for are: Was the car purchased new, from a renault dealer? Has the car got a full renault service history? If the answer to these are yes, then Renault will consider a gesture of goodwill towards repair, depending on mileage. Call em on 08000 72 33 72......... Weebag