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    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
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    • We have finally managed to obtain the transcript of this case.

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Moneyhelp V's NatWest


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I have just been hit with charges for £76.00 on my new account with more to follow.

 

I feel I have been wrongly charged as my benefits went in the same day as my D/D come out and guess which happened first!!

 

I know I have had £76.00 taken on the 3rd December and have been told I had another D/D and S/O was refused this morning - I would NOT be in this frigging mess had they not hit me with the first lot of charges. This amount may not seem a lot to some folks, but this is the amount I get a week to live on.

I am going to stop this snowballing before I lose my home!

Keep you posted! :mad:

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Hi money, glad to see you back.

I'm soooo sorry the bank have done it again to you, but whether it's 76p or £76 you should fight for it back, 23_32_7.gif

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Thanks girls ;)

 

I never thought I would wind up back here to be honest as I had learnt a big lesson with banks.

But this time is no fault of my own, I can now see how things can get well out of hand and I am furious :-x

 

Another charge of £38.00 was taken on 17th December, my total is now £114 I may even have more to come as I now have no money in the bank to cover bills let alone feed my self :-x

I am going to wait until the new year, add up my charges and put my claim in.

Keep you posted.

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Don't forget to hand your Right of Appropriation letter into your local branch to stop them taking any more money that might be due into your account, & it'll also allow you some money in your pocket for over the Christmas period.

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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It means that your advising them that you are in need of the money in question for things such as food shopping, rent, Gas/Electric bills etc, & that you'll be drawing the money from your account almost as soon as it has been deposited. But you have to give them at least 7 days notice, but unfortunately it can go the other way & the bank could in fact disregard the letter, & take your money anyway. There is also the option of asking your local benefit office for advise on this (only if you're on benefits), I have read that the benefit office can intervene & explain that you depend on this money every week/fortnight.

Hope it helps

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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  • 3 months later...

Just noticed you have started this one up again. Glad to see your back to it. ;)

 

Good luck. xx

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Hi there,

 

what is happening with bank charges now though, because I sent my prelim letter off about a year ago but then there were notices up on here saying that there was a court case on to see if the charges were going to be legal or not, has there been an outcome of this yet as i haven't heard any further from natwest? thanks :) xxx

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Hiya littleone,

 

You really need your own thread as you will get more help that way. But to answer your question, you should still carry on with your claim regardless.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 3 weeks later...

Thanks everyone :D

 

Well today I have printed out my prelim and charges sheet, they will be off in the post tomorrow, if I can find an address to send to :confused:

 

Only been with this bank a year and they have taken £245 out of my benefits :-x

 

Halifax has always been my bank, I now have bailiffs after me for £70 for them! feckers!

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So i take it the boot is firmly in place now! :p

 

Go get em girl!!!!!!

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Letter from NatWest today..

 

We acknowledge receipt of your complaint about bank charges...

Basically says they have asked FSA to suspend the normal timetable for dealing with bank charges.

They also want me to fill in a "Customer Financial Statement Form" together with an explanation of the circumstances leading to my inability to meet my commitments ( I told them I consider myself in a position of financial hardship, ie. on benefits)

Then it goes on to say they will review my banking facilities. Which sounds like a threat.

The statement is 4 pages long and want to know the ins and outs of a ducks a$$ - should I fill this in or am I wasting my time?

Anyone know?

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