This topic was closed on 03/07/19. 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 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

This topic was closed on 03/07/19. 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 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

This topic was closed on 03/06/19. 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 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

I put in a claim for my Natwest Business account, now the problem am facing is my account was in a sole traders name, we had have a Ltd company but that disssolved about july 07 and we were still trading until dec 07 as sole traders. My account was running as sole trader, now Cobbetts who are acting solicitors on behalf of Natwest are contacting me to withdraw my case as they have found out from Companies house that my ltd company had dissolved and they said i cant proceed with the claim as its against the law? But my account is sole trader not ltd so do i still have to withdraw it? Please let me know asap. Thanks

I put in a claim for my Natwest Business account, now the problem am facing is my account was in a sole traders name, we had have a Ltd company but that disssolved about july 07 and we were still trading until dec 07 as sole traders. My account was running as sole trader, now Cobbetts who are acting solicitors on behalf of Natwest are contacting me to withdraw my case as they have found out from Companies house that my ltd company had dissolved and they said i cant proceed with the claim as its against the law? But my account is sole trader not ltd so do i still have to withdraw it? Please let me know asap. Thanks

Hi, We moved into our property october 2006, since then our gas and electric is this npower and we were told we are on dicounted rate for having both with them and if we pay by DD. Now we started paying £50 DD every month to each £50 to gas and £50 for electric, they then contacted us and said we need to pay more so we £70 gas and £60 electric ever since. Recently we have had letters from npower gas saying that we owe them £400 on top of what we've been paying, and they will be reffering us to debt collection. Now we dont undertand as there is only two of us and we both work during the day so haeting is only on in evenings and weekends and we pay them monthly anyway. Yesterday saw Watchdog and how people complained about npower overcharging them Can anyone advise us how we work it out if we are being overcharged as this just seems too much something is wrong somewhere. Please let me know. Thank you

Hi, I have submitted a court claim against halifax since August 2007. Since then they have forwarded me to several debt collectors and had harrasing phone calls and letters of them. They have also been putting on extra bank charges since last year so the debt is atleast £600 more due to the extra charges since the court case. Now what do i do, they have defaulted me and froze my account and i cant even open a new bank account with any other bank due to the default. What happens to those access charges that they have applied? Please help me.....how do i get this default removed? I've read previous threads and on it ive seen this letter: Halifax Card Services Customer Services PitreavieBusinessPark Dunfermline KY99 4BS Date: 18th January 2008 Dear Sir or Madam Account number – xxxx xxxx xxxx xxxx After recently receiving letter dated 11th Jan 2008 ref xx/xxxxxxx from Balir Oliver and Scott limited (Debt Collectors) they inform me and I note that your company has placed a "Default" notice against my name. Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee. 2. You must supply me with a signed true and certified copy of the original default notice 3. Any deed of assignment if the debt was sold on I would request that this data is provided to me within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. Yours faithfully, is this what i should send them? what about the extra charges they have put on? Please advise me. Thank you

Hi, I have submitted a court claim against Natwest which is for just above £5000. I have just received a N150 Allocation Questionaire from the court, what is this for does this mean it will be going to court and natwes wont be settling it outside court? Am panicking as i dont know what this means as its seems all complicated now, ive filed other claims too with other banks ive not received allocation questionaires for them so why now? In your templates you have a draft directions template, can i just copy and paste that as my draft directions or do i have to change anything? Can someone help/advise me as i really dont know what to do.

Hi, I wrote all my letters to halifax, no response. I then filed a case in court and had gone away for a few weeks on holiday. On my return i find a letter from halifax which was sent whilst i was on holiday stating they are refunding me £3166 (claim was for £3766back into the account and this was they final offer, and to sign the attached form and post it back to them. But due to me being on holiday i hadnt sent it back obviously and next think i know am getting debt collectors letters for the £3766! What do i do? can they send my account to debt collectors even though am disputing it and i have a court claim with them? Please let me know. Thank you

Hi, I am now in process of filing my N1 form against Lloyds TSB, Lloyds total amount came upto £9050, its going to cost me £250 to file the claim in court. Do i file it the same way as a normal bank? or are business banks different? I really worried its alot of money, has anyone had any experience with Lloyds Bank in the past? Please let me know, as i finally at the last stage just abit worried......

Hi, 04/06/07 My very first NatWest business account, is now closed were known as Direct Business Baking ihas any1 heard of them? Aynway worked out the charges and came upto £1050.00 so wrote to them requesting the refund of charges back. 29/06/07 Havent heard anything from them, so i wrote my second letter, letter before action the business one. 09/07/07 Still havent received anything as yet. What do i do? what are my chances of winning? has anyone won with NatWest business? would really like some advice from anyone who has please!!!!!

Thank you, am about to file my case the amount totals to £1080 with the 8% its £1309.15. How much will it cost me to go court?

Hi, i am starting a claim against Lloyds Business Bank. Sent my first letter to which i got the follwoing rely: Thank you for getting in touch with us. I am sorry you are unhappy about your account charges. Like any business, we do make a charge for some of our extra services. When customers dont have have enough in their accounts to cober a payment this always means extra work-and it has to happen very quickly. We have to agree to make the payment by increasing an overdraft or tell customers we cant agree it. We feel its fair to charge for this service. If you know a payment is going to take you over your agreed limit, you're welcome to see if ther's anything we can do. You might be interested to know that the Office of Fair Trading (OFT) published new guidelines on credit card default charges in April 2006. We, along with other banks have been talking through those guidelines with the OFT since then as they are about "default" charges that people pay when they break the agreement with us. Those guidelines do not apply to your service charges-they are not default charges as you havent broken your agreement with us. The OFT has recently announced that it recognises taht applying the general principles it set out in 2006 to current accounts is not straightforward and that a more detailed examination is needed. We should also point out that the Unfair Contracts Terms Act 1977 and the Unfair Terms in Consumer Contracts Regulations which the OFT mentions dont apply to you as you're a business custoner and these acts and regulations only apply to consumers. I do hope you can see that we make our charging system as fair as possible-and why i cant agree to refund or cancel your charges. In case you're worried about what information we share with credit agencies, i would like to reassure you that we only share what is known as white data, which is information about paymnets to your credit card, loan or mortgage accounts. We dont share details of bank charges. I hope this fully answers your points raised with us. Please let me know if there is anything else I can do to help. If we cannot come to an agreement, I will provide your details to the Financial Ombudsman Service so they can consider your complaint independantly. Yours Sincerely Sarah Brookes What do i do now? She mentioned unfair contracts Terms Act 1977 and the consumer contracts regulations dont apply, but i sent the template from the business account template letters? I have sent a letter before action out.....already was that the right thing to do? Please let me know. Thank you

Hi, I guess to people it may seem this link has been going on ages but what happened was i started the claim last year and didnt proceed with it due to personal problems at home, now i have restarted my claim and am willing to go all the way to court, just need some advice on how much it will cost me? Can anyone answer me?

I have sent the lba letter 29/06/07, so next step is to put in court claim. But the amount am claiming in round £8000 thats not including the 8% interest how do i file in small claims court for this? how much will it cost me? Please let me know. Has anyone won a case with lloyds tsb business bank? whats the likely hood of it going to court or do they settle before court?