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Ed v Natwest Business

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Having completed all my personal account, I decided to go after Natwest for the business account. I have completed the letter sending stage, the filing, beat thier Solicitors in thier attempt to obtain a stay and am now in the process of compiling the bundle. The amount claimed is just shy of £50k. Once I am successful with this one, I intend to reclaim the previous 11 years for which I have the statements for.:-D


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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Wow! A £50K claim?

 

Bet Nat West and Cobbetts are just loving you! ;)

 

Shout up if you need any help Ed.............but sounds as though you're doing great ;)

 

Good luck x


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can I ask what the amount is made up of, did you use Contractual interest or statutory?


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Way to go. It's no wonder that British industry is on its knees with banks so intent on destroying businesses! I am after 2k from Natwest and 2k from LTSB on business accounts but you have just reminded me to look at our old partnership accounts to see how much we should be reclaiming from them.:D Best of luck.


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Ed, do you have the relevant T&C's to include in the bundle for this account? :confused:


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Just make sure your claim is airtight. They will try to pull it to pieces. I was sucessful with Nat West with my business claim which came in at £25. Don't be scared to ask anything however trivial it may seem. Good luck.


A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Hi Hedgey,

 

I have the the T&C's for 2002 but not 2001, and Natwest kindley sent me a copy of the current ones when they offered £8k F&F which I chose not to accept.


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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Duplicate posting


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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Hi lula,

 

I have gone for Stat interest. Although I have gone for contractual on my personal claims on the grounds of Custom or Usage I didnt have the courage to go for contractual on this amount. I did input it onto a contractual spreadsheet and it came out at £120k which scared the living daylights out of me. Has anyone any experience of the witness statement for the bundle?


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Steven4064 has the business T&C's for 2001 Ed, I'll ask him to link you to them. They may come in handy. ;)


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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You will find the 2001 Business T&Cs here

  • Haha 1

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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thanks guys printed of and added to the bundle.


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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Oh bugger. just re-read the court directions. Bundle due on by 4pm 8th not 26th as i had previously read. The 26th is the date on which the negotiation period ends. Any help with what must be in my statement will be gratefully appreciated. It looks like it will be a long night.


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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You will need

 

1. the basic court bundle from the templates thread (minus all the consumer stuff naturally)

2. Your schedule of charges

3. All the statements which are referenced in the schedule

4. Bank T&Cs

5. A statement of evidence - a basic outline of the case:

 

a) that you had/have an account (details) with defendant (between dates)

b) that they levied charges in respect of purported breaches of contract (unauthorised OD, referred DDs etc) listed in the schedule

c) that the T&Cs they believed entitled them to do this are such and such - quote T&Cs

d) the charges levied are far in excess of any damages they incurred as a result of your breach of contract (list evidence from court bundle)

e) the charges are therefore unlawful penalties at common law (quote cases - Dunlop, etc)

 

I presume you have read the guide to business claims


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Thanks again guys.


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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Hi Ed, we got our charges back from Natwest yesterday - well the offer letter anyway. Limited company account, but only £1800 and nothing like the amount you are after. They said they would respond within 8 weeks and they did - if you add on an extra day or so for weekends. They would not pay the interest we claimed but we needed the money so were quite happy with just getting the charges back.:D Keep on trucking.


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Well don Goldlady. At the end of the day we all do what we need to do so I completly understand you settling.


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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Finished bundle at 4:30 this morning. I have my local printer waiting for it this morning to copy. It will be filed at the court and posted to Cobbetts by lunchtime.


Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

Share this post


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Best of luck;)


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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