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DaveMac

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About DaveMac

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. I'm just about to write to NatWest re credit card charges on two accounts, however I am not sure which initial letter I send. Is it straight to a letter before action, or is there a letter which mentions about the OFT ruling? Also which address do you direct the letter to?? so far I've corresponded with them re my statements at the following address: Credit Card Operations Regulatory Risk PO Box 5636 Southend on Sea SS99 1WJ Is this the address I should write to, to ask for my money back?
  4. Thanks for that - has anyone actually sent such a letter to Cobbetts & if so, what was the reply?
  5. I got to the stage of receiving my AQ and the case being transferred to my local court. NatWest had entered their defence (the day before the deadline), and then yesterday I received a letter from Cobbets as follows: Dear Sir Our client: National Westminster Banl plc We refer to the above matter. Our client considers that your challenge to its charges would fail in Court. Our client believes that its charges are fair, reasonable and transparent. It considers that the amount debited to your account has been applied strictly in accordance with your agreement with it and its published tarrif. Our client is also committed to ensuring the transparency of the information that it gives to its customers about the operation of its products. As such, our client does not believe that your claim has any prospect of succeeding. Subject to the above, although our client is confident that it will be successful at a final hearing, its legal fees will almost certainly outweigh the value of the claim, and, as such, our client must take a commercial approach to such claims. Accordingly, without any admission of liability, our client is prepared to settle this matter in full to prevent incurring any further legal fees. We enclose a cheque in the sum of £2,821.10 for the charges (together with interest and Court Fees) outlined in your schedule from 12 January 2001 onwards. As previously stated under the Limitation Act 1980, you cannot bring a claim more than 6 years after the date on which the cause of action accrued. You issued your claim on 12 January 2007 and you are therefore only legally entitled to claim between the periods 12 January 2001 to 12 January 2007. Acceptance by you of this goodwill payment will be in full and final settlement of your claim against our client and strictly on the basis that: 1. you agree not to disclose to any third party the fact of, or any details relating to this payment. 2. you write to the Court withdrawing your claim. Any charges that properly accrue in the future will be applied to your account in line with our published tariff and in accordance with your agreement with the bank. Should you be unwilling to accept such charges then we may need to consider if we are prepared to continue to provide you with your existing banking facilities. Instead we may offer you a simple account that does not offer borrowing facilities or other services that can result in charges. We would ask that you now write to the Court and discontinue proceedings in this matter. We have attached two copies of the Notice of Discontinuance and we should be grateful if you would complete the copies, forwarding one to the Court and the duplicate to us. We await receipt of the completed Notice of Discontinuance. Yours faithfully Cobbetts LLP Much as I like the idea that they's caved in, I hate the thought that they're still trying to dictate that even though their charges are unlawful, unless I refuse to accept them, then they may have to close my current account & overdraft facilities. I am in the fortune (or unfortunate) position that the cheque will not totally clear my overdraft with them. They have done the usual & put the account number on the cheque for it to be paid in to that account only. Should I accept it or not???? (Fortunately I haven't decided yet, so I can broadcast their offer on this website & let everyone know their tactics). Has anyone been in a similar position to me here, & if so - any advice?
  6. I just spoke to a different bloke at MCOL who stated that they NatWest have until midnight tonight and then tomorrow when they come in, they process all the defences - so it could be on tomorrow. He stated also that it takes 24-36hrs for a judgement to go on-line and they will accept a defence if it comes in before the judgement - even if after the deadline.
  7. I received an acknowledgement of service signed by NatWest solicitor on date 19 January. I've just spoken with the Courts service who state that they issued the claim on 12 January and they count it as being served 5 days after issue, (even though Cobbetts have only signed it on 19th). That means that 4pm today is the deadline for their defence - I haven't heard a thing from NatWest. Moneyclaim online have just said that after the deadline date, I go online and enter judgement against them. They then have 28 days to pay the claim! Is this correct? - What do I do??? Help!!!
  8. I received an acknowledgement of service signed by NatWest solicitor on date 19 January. I've just spoken with the Courts service who state that they issued the claim on 12 January and they count it as being served 5 days after issue, even though Cobbetts have only signed it on 19th. That means that 4pm today is the deadline for their defence - I haven't heard a thing from NatWest. Moneyclaim online have just said that after the deadline date, I go online and enter judgement against them. They then have 28 days to pay the claim! I'm just going to post this on the forum to check if this is correct, but it sounds good (as it's now 4pm).
  9. I've submitted my claim for approx £3,000 and it has now been served on NatWest on 19/01/2007. Cobbetts have indicated that they will fully defend the claim. To date I have not heard anything at all from Cobbetts. Tonight I went to log on to my NatWest account on-line and was unable to do so. I've been using this account for ages - so I've had to re-register with them and am awaiting an email to re-activate the account. Am I paranoid or is this a common tactic with NatWest??? Anyone any experience of this?
  10. thanks very much for that, I will await their AQ
  11. Just got my Notice of Acknowledgement of Service back with Cobbetts' response stating they intend to defend all of this claim (box ticked). I'm just in the process of writing the standard letter to them enclosing a copy of my schedule of charges. What happens now? Will I get a court date & do I have to do anything other then sit and wait for Cobbett's response??
  12. Schedules of charges sent to Northampton County Court - now I'll wait for NatWest's reply! They've told me it will be deemed to be served on 17th January 2007.
  13. Congratulations!!! Well done Trudi! I'm just at the stage where I've had my Notice of issue from MCOL. Apart from a stalling letter from NatWest, I have not had any other correspondence. I'll wait for the court date and hope my claim goes as well as yours!!!!! Anyway congratulations again & well done!!!!! Dave Mac
  14. Many thanks for that - I'll try that now
  15. I have today received my Notification of issue from MCOL. As advised above I am about to send two copies of the schedule of charges to them. Obviously since I first calculated the 8% interest and lodged the claim, further days have passed and my schedule has altered on the spreadsheet due to the interest. Do I therefore send a copy of the original schedule I sent to NatWest (with the 8% at the time), or do I send an up to date one (bearing in mind when I entered the details on MCOL it was less than it is now). Help????
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