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About mountainofdebt

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  1. This topic was closed on 03/05/19. 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 their. 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. Yeap - totally normal. Expect a defence in due course from Cobbetts in Manchester who Natwest appear to be using asking on what basis the various acts are being used. They will usually issue this defence right at the very last minute as well.
  3. If its anything like mine, ruddy ages! Lets look at the potential timescale: Day 1 - Moneyclaim application made Day 6 - Claim deemed to be served Day 20 - Last day for acknowledement (which they usually do on the last day!) If no acknowledgement made - great you win by default but usually, depending on size of claim they will acknowledge! Day 34 - last day for submitting a defence and then in my case, Day 48 - last day for ME to submit a response to their defence. Usually an offer of a partial settlement would be made at this point Around Day 60 mark -
  4. and although it pains me to do it, I'm going to have to call it a day and not pursue the interest and extra £100. Had a massive arguement with hubby last night as I'd asked him to make a phone call to check the particulars of the claim (as for some reason we haven't been able to accesss it online for ages) and he blew his top saying that he didn't have the time to do it and that this was typical of society to day. I'm really naffed off - I'm only asking him to make one ruddy phone call and as for not having the time - don't get me started on that as he seems to be able to make time w
  5. I'm not an expert but : a) I dont' think you can sue for a failure to comply with a DPA request...as I understand it, provided you have paid the £10 fee then the best you can do is complain to the Information Office if they don't give you the info after 40 days. b) Breach of contract - can you expand on this? c) Unauthorised charges.....don't you mean unlawful charges? Also I don't think you can claim for expenses.
  6. I thought the envelope did state a return address of Northampton County Court. SS - if your parents do ask then I would tell them that you are reclaiming bank charges....its been in the press so much now I would be more surprised if people DIDN'T start the process of reclaiming. You don't have to mention anything about debts.
  7. As far as I can remember that far back with my claim, you should get a letter from the court in the next few days confirmng the date of issue. The letter will also state the date that it is deemed to have been served, usually about 5 days after it was issued. This date (ie the date it was deemed to be served) is then used as a base date for all future action.
  8. I've decided to phone them up in the morning to ask them for a breakdown and if (or should that be when ???) we get the extra £440 I WILL be keeping it for myself, don't you worry on that score! The rest of the money will be going back to Natwest as a repayment off their credit card - so its a double whammy for them in my book!
  9. Shaun - haven't had a default notice so that's 1 less thing I have to bug them about Kate - you may be right. I could understand the £100 extra court costs as I only paid it on the 2nd and this letter came out a week later but the interest???? I have a feeling that they won't talk to me, which to be honest I haven't a problem with - so long as they realise that they have effectively short changed us. And so the battle continues!
  10. Was talking (well ok it was more lie gloating but hey I'm a woman!) to hubby last night and I said I was curious as to why Natwest hadn't paid the interest and the additional court cost of £100 and that I'd write them a letter about it. Anyway hubby got abit touchy (and no he doesn't work for a bank!) and said that he wanted to drop it, that he was totally fed up of it all and that that it was obvious that the banks were only settling as it was cheaper for them to do that instad of taking it all the way to the courts as they were obviosuly allowed to charge something. (I guess it did
  11. No ....that's what is surprising haven't been told to close the account - the only condition that they want me (or should that be hubby?) to agree to is not to disclose the details of any payment to any third party and confirm that I've written to the court. But as hubby said if they closed his account, he'd close his business account, I'd close my account, my son would close his account and we'd also close our business account so I guess they thought better of it, lol! Now off to buy some ice-cream so hubby can have it with his humble pie!
  12. Don't know if I should comment on this as I didn't see the original thread but feel I should stand up and be counted. As I understand it this site was set up by a group of people who decided that the people in the UK were being taken for a ride by the banks and felt that there needed to be a central point for help/advice, which they have primarily funded themselves. That is of course, forgetting the time that they put in, probably to the annoyance of their families. A few weeks ago I thought I had really mucked things up - to the extent that I was half prepared to accept that I had '
  13. Hi Kate Have wandered over here as I was - ok i'll admit it - nosey to see what stage you're at. If your case goes anything like mine, then you should get a reply from your business manager - even in response to your personal account as s/he seems to have responsibility for that as well as your business account. This letter should state that they think the charges are fair blah blah blah. If requested, the statements should come from the Edinburgh head office. In fairness to Natwest, hubby's was sent by courier (so no compliants there!). from then on the timescale is very m
  14. Wondered where you've been ! Have spoken to my mum about this (gawd nearly 40 and still asking my mum for advice) and she was gobsmacked that we'd got this out of them ......has made her go off and look at her statements now! When she asked why I'd not told her we were doing this, I told her that it was becuase I'd have the usual "your wasting your time" reply ...mum is still one of the old school that thinks all bank managers work to help HER, lol! Anyway Neo I am sure you'll get a positive response sooner rather than later especially as we seem to be working to the same times
  15. Woke up to another letter from Cobbetts today - 24 hours after they completed their court allocation form - sent late and refusing to a delay to see if an agreement could be reached - they've now sent a cheque for £2150!!!!! Whilst I'm very pleased that I didn't accept their initial offer of £1200 a week ago, I'm slightly miffed that this amount isn't for my full claim - they seem to have 'forgotten' about the interest and the extra £100 that I've had to fork out because they couldn't (or wouldn't!) send this letter before the 3rd! Anyway have briefly spoken to hubby and he wants to
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