Bank Charges vs My outstanding Balance-County Court in 14/28days.

[hertsman31]

Hi

 

I just want to say I really appericate the help or input any one can give me Im not just saying that any advise will go a long way for me thank you.

 

Here is my history it will be honest

 

I have/had an account with a high street bank. I took out a loan several years ago and then compounded and I once again.

 

Loan is for around 14k minus the interest.

 

I started to default on the loan repayments but did make payments bit by bit, it was reorginized a number of times I cant fault the bank for that.

 

To cut a long story short it was eventually handed to there external solicitors where I actually managed to close one of the account a credit card of £400 and did make a payment of around £150 towards the loan.

 

It was agreed I would pay each month £400 and I have done for three months but have just defaulted again, they have promptly sent me N1 and N9 cpc forms which basicly asks me what I have to say about this loan to the court do I disput it? Do I wish to counter claim, about six options.

 

I have just requested from customer services the last 6 years of my account history and she said she cant see my account as it is not with them any more but the request has been made and should be with me, give it a week.

 

I want to see my account details so I can see how much over draft charges have been unfairly charged against me, total it up and then remove that ammount from either the full 20k, which is most unfair you get the interest when the loan expires, if you call it in early you should not get the interest. Or off set the over draft charges against the 14k (with out interest).

 

I will be asking for 28 extention on the county court paper work and hope to get my bank history but what if the leanding department refuses to send it, can I ask the court or force them to give it to me before I come to agreement on what should be the total amount I owe and any agreed payment plain, I work full time and earn 25k which is around £1550 a month, my rent is £400, low out goings other than gambling.

 

 

I owe the bank I know that, I have been really poor in my respect for the bank I know that, but I have to defend myself the best way I can and wish to bring up the fact the bank has been charging me thousands of pounds illegally into the mix.

 

 

 

Please help?

 

herts

 

If you have read this far

[Lula]

Hi firstly, you need to tell us what loan company and what bank then we can move this posting to the relevant sections where you will receive the most appropriate help for your problems.

[gizmo111]

Lula is correct you need to tell us who this is with.

When you originally took the loan out was it to cover an overdraft made up of charges and likewise when you again consolidated it.

When asking for your last 6 years statements did you put it in writing with the £10 fee and request an SAR - if not you must do so immediately.

Can you post here the details they have put on the claim form?

[hertsman31]

Natwest.

 

"When you originally took the loan out was it to cover an overdraft made up of charges and likewise when you again consolidated it."

 

I took out a loan to cover some expense I had, I later had reason to extend it.

 

 

When asking for your last 6 years statements did you put it in writing with the £10 fee and request an S.A.R - (Subject Access Request) - if not you must do so immediately.

 

My account is currently in the hands of a royal bank of scotland solictor which are acting on behalf of RB/ Natwest.

 

Can you post here the details they have put on the claim form?

 

I will update this today around 7pm gmt (16th).

 

I believe today is the last day of the service period (five days after court stamped) I now have 14 days to respond.

 

As stated my loan is currently around 14k maybe 12k Im actually not sure, they had the account at like 17% for a while, they just dug me.

 

I owe the bank money I know that and I will pay but fair is fair they need to reburse me my illegal charges (at least im not breaking the law I am delaying payment correct (when I dont have the money) but Im paying hence the last 3x£400 Ive just paid monthly, and thousands over the last few years ontime).

 

Im happy to update this issue online going forward as a reference to other partys Im sure some one maybe in a similar posistion.

 

I do not want to be subject to a order by the court asking for dirrect payments from my wages, it may upset my employment of which I have held for 10 years.

 

The amount of money I have paid back to the bank over the years in loan payments and charges, it feels like Ive paid the loan twice over.

 

 

Should I write to the solictor asking for 28 day extention as well as my "£10 fee and request an S.A.R - (Subject Access Request)", is it more complex now the account is offline in legal process or can I still get it, I need it to review my situation any way refernce loan charges....

 

It maybe worth my while putting up some form of fight against this claim? I actually really need some help Im not sure were to go.

 

Thank you for your help so far,

 

best regards

[hertsman31]

By an agreement entered into between the claimant and the defendant, the defendant has failed to pay the sum of 20k(loan is 14k..) , or any part therof. The claimant has requested payment but the defendant has refused or delayed to pay.

 

The claimant claims the sum of xx and interest under s.69 of the county courts act 1984 at a rate of 8% per annum from xx/xx/2007 untill judgement or sooner payment.

 

Costs. The claim does not include issues under the human rights act 1998.