robertsdj vs NatWest - we won!

[Chrissielr]

Should have started this thread a week or so ago. Have been through the letters process as per the FAQS and received standard negative responses and issued claim on MCOL as below:

 

Claim issued 29/06/06

Claim number 6QZ42232

Amount claimed £1464.32 incl. costs and interest

 

NatWest acknowledged the claim on 3/07/06 and I just wondered if, in other people's experiences, it is normal for them to do this to gain the extra 14 days?

 

Thanks to everyone on this website for all the fantastic advice and support!!

[Chrissielr]

Well now I've taken the time to read through the latest updates I've answered my own question! Looks like I've got a wait and a defence to look forward to. Kepp you posted.

[Chrissielr]

Well just sitting here waiting for my 28 days to expire, which just happens to be the last day of my holiday! Noticed that NatWest seem to be settling some claims quickly but not others, any thoughts on why that is? I don't think my claim is particularly high in relation to some others on here, so it can't be the value.

[Chrissielr]

I'm getting a bit paranoid as the only poster on my own thread!! Anyway, is anyone else out there at about the same stage of things as me, waiting for 28 days to end?

[orfoster]

Lol well im replying to you as no one else has yet. I haven't got as far as you as im at the start of my claim but just waiting for the copy statements to arrive.

 

Im crossing my fingers as im unsure if they will set a court date to set down laws on charges soon so im hoping i get it out the way before then cos we have had our charges refunded alot now.

 

Yes im noticing they are refunding more claims than others, not too sure why this is, i expect they are looking into the history of the account.

 

I hope it all goes well. Do keep us all posted.

[razor25]

hey, i posted the thread before you and also have had no replies! my 28 days is up tomorrow and they have just filed a defence. but i need to know off people what happens now, ie is a defence normal etc.

 

most peoples threads seem all over the place so trying to track down someone at the same stage as you is v hard!!

 

however, it does seem normal practice for them to wait until the very last days before they do anything. however, like you said, it does seem that some people get paid off quicker than others so it would be good to get views on why this is...

[Chrissielr]

hey, i posted the thread before you and also have had no replies! my 28 days is up tomorrow and they have just filed a defence. but i need to know off people what happens now, ie is a defence normal etc.

 

most peoples threads seem all over the place so trying to track down someone at the same stage as you is v hard!!

 

however, it does seem normal practice for them to wait until the very last days before they do anything. however, like you said, it does seem that some people get paid off quicker than others so it would be good to get views on why this is...

 

Oh I feel alive now!

 

Anyway, the defence is normal, you should now receive an Allocation Questionnaire. Have a look at Timinio and Scissorhearts posts, they've just been through this. rbrears post on the general forum gives good advice on how to respond next.

 

Good luck!

[Chrissielr]

Received the NatWest defence CPR Part 18 request as expected this morning (28 days up at midnight last night). I intend to right a polite letter re Part 18 not being applicable as listing will be heard on Small Claims Track - do I need to do anything firther at this stage, or just wait for the Court to give a date?

[cumbria123]

I got my defence and cpr pt 18 yesterday, one day over the 28 days, I replied with the appropriate letter. I expect the AQ form will come soon, I think that`s the next stage.

[Chrissielr]

It's good to know that there is someone on the same timescale as me - fingers crossed for us both!!

 

I recieved the AQ today as well and am in the process of writing my amended particulars of claim and part 18 request for NatWest as rbrears did. I remembered that he had responded to the part 18 in order to serve one of his own on NatWest.

[mdonley]

hi wonder if you can help, I am filling in the N1 form, under the heading 'Brief details of claim' what did you put, thanks

[Chrissielr]

Hi there, the best advice for MCOL claim filing is here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/634-guide-notes-completing-moneyclaim.html

 

Good luck and keep us posted!

[mdonley]

Hi thanks for that, i've been trying to open the N1 form in PDF but it wont open for some reason, getting a bit frustrated, my final 14 days ran out on 31 july, going away tomorrow, just wondering if I can lodge my claim a week or 2 later than that date, I'm doing it the old fashioned way through my local county court

[Chrissielr]

Hi thanks for that, i've been trying to open the N1 form in PDF but it wont open for some reason, getting a bit frustrated, my final 14 days ran out on 31 july, going away tomorrow, just wondering if I can lodge my claim a week or 2 later than that date, I'm doing it the old fashioned way through my local county court

 

Just pm'd you with half a further response. No reason why you shouldn't wait until you get back from hols.

[Chrissielr]

Offer of £800 received yesterday! Can I have some advice in what to put in my "accepting the offer, but continuing with the claim" please?

[Warms]

Offer of £800 received yesterday! Can I have some advice in what to put in my "accepting the offer, but continuing with the claim" please?

Hi

I did a quick search in the NatWest thread for you and came up with this e.g.

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/24380-been-made-offer.html?highlight=partial+offer#post190076

It has an example of what such a letter could look like, and maybe you could change it a bit for your purpose...?

Anyway, good luck - I'm still waiting for my statements, so quite far behind you!

[Chrissielr]

Thank you and good luck to you too!

[Chrissielr]

Well "no thanks" letter sent and AQ filed yesterday, so it's back to the waiting game again.

[weaver440]

The impression I get from reading around the threads is that most people when made an 'OFFER' short of their claim tell the banks they will accept the offer as an interim payment but will continue with the claim in full.

[Warms]

The impression I get from reading around the threads is that most people when made an 'OFFER' short of their claim tell the banks they will accept the offer as an interim payment but will continue with the claim in full.

That's right, people will take whatever the banks offer - but still carry with their claim on until they pay them the full amount thay owe.

[Chrissielr]

Copy of NatWest AQ received today with covering letter stating that it had been filed 22 August. Final day for filing AQ was 21 August.

 

Anyone know if it puts me in a stronger position that Cobbett's missed the deadline by a day?

 

Those of you who received full refunds after partial offers, did Cobbetts still file an AQ?

 

Nerves starting to get the better of me now - thinking I might have a day in court [chews nails to the stump]

[Chrissielr]

Hello anybody there?

[cumbria123]

The extra day won`t make a difference, I would guess you`ll get a cheque in the next few days.

[cumbria123]

I hung on until the last second with the AQ as the filing date was a Sunday (basically `cos I didn`t want to fork out more money). I got the cheque 24 hrs before that date. Just keep an eye out for that big white envelope you`ve been expecting.

[Chrissielr]

It's arrived!! Cheque for full amount and no conditions other than all court action to stop.

 

Thank you, thank you to everyone here for all the fab advice and support!!