had a letter today and the court have given me a court date of the 18th of jan 2007. Does this mean it will not be struck out?

This was my particulars of claim The claimant claims the repayment of unlawful bank charges for the period 06/03/2001 to 30/06/2006, amounting to £2252.00p for unpaid direct debits, card misuse, charges and referral charges. The claimant also claims interest on this amount under section 69 of the county courts act 1984 at the rate of 8 % per year from the first charge to the last charge, amounting to £479.40p. Interest will be payable up to the date of judgement or earlier if money is repaid at the daily rate of 8%. Also the claimant seeks An award of £200.00 for distress and inconvenience

I think i have balls my claim up.!!!!!!! Had the defendants file statement and in there one bit said" The defendant is embarrassed by the lack of particularity pleaded in the particulars of claim to the extent that the particulars of claim fail to disclose reasonable grounds for bringing a claim against the defendant. In particular: The particulars of claim set out no facts indicating what the claim is about, are incoherent and do not disclose any legally recognisable claim against the defendant the defendant invites the claimant to remedy the above. In the event that the claimant fails to do so within 14 days of the service of the defence then the defendant will apply to the court for an order striking out the particulars of claim The defendant reserves the right to plead further to thye particulars of claim once and if the claimant properly particularises the same. In the meantime, it is denied that the claiment is entitled to the relief claimed or any relief whether as pleaded or at all. So i spoke to my friend who was at the same point and he said it was all legal rubbish that i did not have to replie. in the meantime sent my questionnare back and then today had a copy of theres back and this is what it saidin the other information bit: Pursuant to CPR Part 3.4 (2) (a), the defendant would ask the court to strike out the claim. The claiment has not shown that she has reasonable grounds for bringing the claim and despite the defendent requesting that the claiment remedy the lack of particularity pleaded in the particulars of claim within 14 days, the claiment has failed to do so. The defendant therefore respectfully requests that the claim be struck out. This means i have lost doesn't it!!! This was my particulars of claim The claimant claims the repayment of unlawful bank charges for the period 06/03/2001 to 30/06/2006, amounting to £2252.00p for unpaid direct debits, card misuse, charges and referral charges. The claimant also claims interest on this amount under section 69 of the county courts act 1984 at the rate of 8 % per year from the first charge to the last charge, amounting to £479.40p. Interest will be payable up to the date of judgement or earlier if money is repaid at the daily rate of 8%. Also the claimant seeks An award of £200.00 for distress and inconvenience. Can anybody help

Thanks for all of your replies:) We are in such a bad suituation at the moment that none of our d/d will be paid if we don't have this money and i will be so worried all over xmas we are right at the limit of our o/d so won't be able to get any money, as all of our monies go into the NatWest accounts. anyway heard back from the bank from a Pete Lucus and he said that any settlement only relates to the account in question. I asked him if it would jeopardise my claim on my other account and he said, no it is soley for your account 3******5. So i signed the settlement and sent this letter with it. 1 December 2006 Dear Mr P Lucus Case Ref: 4*****5 Following our conversation on the 30th November 2006, I now except the offer of £500.00 from the letter dated 28th November 2006. I asked you whether this claim would jeopardise my claim on my account 2******9/6****1. Because if it did I would not except your offer, but you told me that each account is dealt with separately and the settlement is solely to your account 3******5/6****6. So on these terms I will settle. I have signed the letter dated 28th November 2006 and it is enclosed. I will wait for the money to go into my account. Thank you. Since i have sent that my friend whom is claiming back charges using the bank shell website said that i have f**ked up by doing this and that they might cancel all my claims??? anybody got any answers to that? as i now even more worried/ thanks vicki:sad:

Yeah have done that this afternoon the man on the phone had to e-mail somebody to find out that information he said he will get back to me. Im not holding my breath though. i might just send a letter before action and see if they offer me any more money. vicki

Please help!!!! Right i have two accounts with natwest one at the momment 288****9 is in the middle of money claim for £3000.00p. No worries with that one. My other account 321***1* i had to wait along time for the statements to arrive which i now have. i sent natwest i letter asking for repayment of charges of £1005.00p and i got my replie today. They have offered me £500.00 Which i would take because 1. it would clear my overdraft up 2. xmas 3. my other claim of £3000.00 i want to accept this offer but im worried it will jeopradise my other claim. On the bottom of the letter it states We accept the sum of £500.00 as a full and final settlement of all claims we have relating to charges. .....................2006 .............................2006 That to me says that i will wipe out my claim for my other account which is in money claim stage??? Please please i'm stuck thanks vicki:confused:

Thanks Kateandpete Yes my letter was from the templates. I click on to the first link that you gave me the particulars of claim but i don't really understand it?? am i actuall claiming for money back on the claim or just claiming for my bank statements back i am realy lost as to what to do thanks vicki

Please can anyone help. for this account (current acc) i ask for my bank statements by the usual letter on the 7th august. I wrote to them a reminder, i telephoned them after the 40 days were up and ive also sent the letter below giving then a further 7 days. well that was up last thursday!!!! Do i just give up now i only need my statements for 2000 to 2002! What do i do next. Natwest I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated (7th August 2006). The disclosure of personal data is incomplete in that at least the following documents are missing. You have failed to provide a complete list of transactions and charges from 2000 to 2002 This is not an exhaustive list by any means, it is just an example of some of the information I am missing. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court. Yours faithfully,

Please can someone help!!! on my account i have just sent my mcol for i have an overdraft facilitie of £1000.00p at the moment i am in it £600.oop so i still have £400.00 to use. my husband left for blackpool at 4.00am this morning went to draw some cash out ready for the journey home and the bank wont let him it says contact your card issuer. can they just stop our overdraft like that???? all our money goes into that so we now are penniless with 2 children . tryed to set up another account and was unsucseesful due to credit scoring. help can they do this to me.!!!!??????? vicki:eek:

Hi Have just come back from a few weeks away, so thought i would update. Ineed an address for the money claim for natwest i don't no if i put in my branch address or not? some advice in that would be good. and secondly i still have not received the other half of my bank statements i have sent them a reminder letter (recorded del) and telephoned them twice now i sent my reqest off on august 7th. i just need 2000 to 2002 some one told me to estimate the two years but then what happens when i go to the mcol ? you no i could estimate anything £5000.00p so any advice would be great.

ok thanks made up my mind and we are not going to accept! the 14 days was up today anyway so now i take them to court? do i write to them telling them that this is what im doing or not? been reading other posts but what do i actuall do now? very stuck? thanks vicki

got a letter from natwest this morning offering me £900.00p !! Im claiming 2252.00, but the letter they give me was a bit worring it said all stuff about the banks chgs being fair and that you could only despitue credit cards??? so i don't no what to do now ? do i accept that 900.00. Has any body ever accepted part payment and got it and then gone on to get the rest or does this not happen?? Please let me know?? Thanks vicki

Hi just reading your thread and i to was forced to take out a loan for 2000.00 this year to cover my overdraft. i'd like to no if we can claim that back. but i have already sent my first two letters off with no metion of the loan so how can i mention it now? good luck i will keep reading to see if you find out how to claim for the loan!!

just a quick update, got at last some of my current account statements which i ask for on the 10th august, well over due now i just have to ring back and ask for 2000 to 2002 !!!!! i wonder how long that will take. then i will start calculating my charges i done 2002 to 2006 and its £1053.00p so far. all worth it if they pay out!!!!!! Thanks for every bodys help on this site will give 5% donation. vicki

hi thanks for your advice. Do you you no where i could find the goods sale of act too???? vicki

Ok have phoned natwest for the current account statements they appoligised and will get them to me straight away, they are well over due. sent the letter refusing the £55.00p and got a letter back 2 days later telling me they have received the leeter and they will pass it on to the right people to get it dealt with properly. is this a standard letter what every body gets??? Just have to wait 12 more days now to find out what they say has any body ever got there full money sent to them at this stage? thanks vicki

I dont think that there is any thing i can do but it is worth an ask. Bought a Sony digital camera in 2004 nearly 2 years ago, and went to use it the other day and it would not work. Took it to a sony shop (not the one i bought it from) and they said its a problem with the camera i think a moudule has gone , it will be cheaper to buy a new one!!! But the thing is i think, you buy a camera and think its gonna last more than two years don;t you? It would be great to hear someones thoughts thankyou vicki:)

HI well got a letter from natwest offering me £55.00p:-x i will turn it down so i guess i now copy the letter before action template from the library! secondly i still have not got my bank statements for my second account i asked for them 1st on the same letter as my other account which i sent to them on the 10th august 2006. so what do i do now????? do i phone them and ask cause they are well over due. please help vicki:shock:

Hi, Sent a reminder for my secound account statements. In the meantime i thought i would get on and send in my 'request for repayment of charges' Schedule. When i posted it i realised i did not put in the copy of my charges!!!! So today i wrote them a letter saying Please find enclosed the schedule of charges to go with the Request for repayment of charges,that i sent you on the 13th 09 2006, for my account ******** yours faithfully vicki morgan Do you think this is ok!!!!!! Or will they think i don't no what i'm doing and not take me serious????? please help. thankyou vicki

Need some help please!! Just going through the rest of my statements what came today and i have a charge, thus is what it says ,charges PLP PREMIUM 920.00 now i did have a loan so has this got something to do with that? Because my loan went in on the same day for4920.00. But is this a chg i can claim back or not? as i don't remember what it was for???? thanks vicki:?:

Ok i will write a reminder to tyhe bank about my other account leeting them no the 40 days still satnd they have until the 19th sept. vicki

Hi Just an update i received the rest of my bank statements in a tatty ripped brown envelope today!! But i did ask them for both of my accounts statements. Because i have received one lot can i carry on and claim for them and when i do get me other account statements them claim for them? Or do i have to wait for both accounts and send them together??????

Hi Not sure what the interest was for? It's at the end of every month where there is a charge, after there is also interest taking out as well but it doesn't say what for it just says interest then the amount? so i dont no to claim this or not. Have been looking on other threads but can find an answer. vicki:)

Just a quickie why can you not claim the interest what they have chg'ed you????

Thankyou went on to your nw forum about ad gold and it really helped. my total was 2358.15 and i - off the ad gold chg's which was 398.00 and then i - off interest of 182.15 so that brings it down to £1778.00p But still have to wait for the rest of my bank statements as they only sent me 4 years worth and not the 6 years. And i asked for both accounts so waiting on my current account statements. thanks vicki:)