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    • Well, heres another the of the Trump'et team thats about to be thrown to the dogs eh? Hope he's ready for the death threats from the trump nuts.   "a lawyer for the ex-president also told the Department of Justice (DOJ) in June that all classified material at Mar-a-Lago had been returned."   "At least one member of Mr Trump’s legal team signed a written statement earlier this summer stating that all of the materials marked as classified which were stored in boxes at Mr Trump’s private Florida club and home had been handed over to the government"   Trump ‘appealed to Garland before FBI warrant was unsealed’ - live WWW.INDEPENDENT.CO.UK Rolling coverage of the latest developments following the FBI search of Mar-a-Lago .. Trump says - its all that traitors fault.
    • More like they are no use to them, and what little use is negated by the 'extreme' requirements of the smaller party(s)   .. Con/DUP aside     erk! - how did overwhelmed become warmed in that last post! I've also noted that when quoting, then type straight away, sometimes my text goes in backwards (literally reversed) until i delete the whole line and start again. - weird, Trojan scans come out clean and those aren't simple typos
    • POC   1.The Claimant claims payment of an overdue balance in the sum of 1739.60 incurred by the Defendant under a AvantCredit, Unsecured Loan, account number **********   2.The Defendant failed to maintain payments in line with the Agreement and the Account has now matured.   3.The account was then subsequently assigned to the Claimant and the Defendant has been given notice of the accounts assignment.   Note: The above is paragraphed by the Defendant as Claimant could not be bothered.   Defence    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. Paragraph 1 is noted and accepted I have in the past had financial dealings with AvantCredit. I do not recall the precise details or agreement and have sought verification from the claimant and their solicitors.    3. Paragraph 3 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or AvantCredit.    4.It is therefore denied with regards to the Defendant owing any monies to the Claimant,   the Claimants solicitors have failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14 on date 26-07-2022 (recorded delivery), and the claimant remains in default of my section 77  request, dated 26-07-2022 (recorded delivery).   Therefore the Claimant is put to strict proof to:  (a) show how the Defendant has entered into an agreement; and  (b) show how the Defendant has reached the amount claimed for; and  (c) show how the Claimant has the legal right, either under statute or equity to issue a claim; and (d) show and evidence that a Default Notice was issued pursuant to sec87.1 CCA1974;    5. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77 request, copies of the documents referred to within the Claimants particulars to establish what the claim is for.   To date the Claimant has failed to comply to my section 77 request and their solicitors, TM Legal Services, likewise.     6. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.    7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974.    8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   once again many thanks for your hard work and guidance dx    
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Natwest Business account


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Hi, I started a v small business last year and opened an account with Natwest. Unfortunately I've accumulated some charges due to payments missing to me from clients. I've been successful on our personal account reclaiming charges and wondered if it was worth going after the charges on my business account. As I said, I'm a very small business and things are very slow moving for me at the moment. If I could claim back these charges it'd help me out hugely. I've already requested copies of all statements and should get them sometime within the next 7 days.

 

How does the OFT case affect new claims? Are they all on hold or are Natwest paying out still?

 

Thanks in advance for any help or advice.

 

Jayne

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THe OFT case doesn't affect business claims at all since it is testing the UTCCR1999 which don't apply to business accounts. So go for it. There are special versions of the various letters for business accounts in the library.

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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  • 2 weeks later...

Steven is right , but there have been some business claims stayed recently. It might be worth going down the Financial Ombusman route. http://www.consumeractiongroup.co.uk/forum/general/130570-fos-resumes-business-claims.html

Give them a ring and see what they say. contact us 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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  • 3 weeks later...

Quick update and question - I've had a reply to my initial request for repayment. They're saying it may take them 6 weeks to look into my claim fully so to be patient with them. However, it's now time for me to send the LBA so my question is this - do I send it or give them the 6 weeks?

 

Thanks in advance

Jayne

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THat's easy - send it :)

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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  • 1 month later...

HI, hope someone can advise - had reply from NW today saying charges are fair. I had already sent LBA but am thinking maybe this is response to original request for refund and possibly need to resend LBA?

 

Thanks in advance

Jayne

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Of course NatWest are going to say the charges are fair - keeping on saying it doesn't make it so!

 

However, the st case has given us a problem with business claims because of te ruling that they are not penalties. Given that you can't use UTCCR1999, there is not much to go on altough peole here asre working on it.

 

When was your account opened?

Do you have the T&Cs from when it was opened filed away somwhere?

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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Did they send you letters when the charges were applied?

 

If so, I would read them again very carefully, looking for any hint that they intend the charges to be punitive, or that they believe that a breach of contract has occurred. I found it helped to compare any obviously legalese phrases with your T&Cs.

 

If you *do* find any such hints, do tell us - we might be able to turn it into gold.

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  • 3 weeks later...
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