Jump to content


orfoster vs Natwest


orfoster
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4007 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

No - if they've repaid it then you can't keep charging them interest. You can't charge interest on an amount they don't owe.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • Replies 260
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well, NatWest still haven't refunded these cheque charges like they said they would. On another note, i have filled my claim with MCOL on the 23rd so fingers crossed hehe.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Hey there orfoster,

 

Have you heard anything about your claim yet?? Ive just issued mine via MCOL so Im exactly a week behind you.

Anyway let us know how your gettin on

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

Link to post
Share on other sites

Hiya, my claim was deemed served yesterday so fingers crossed. Nothing has happened yet on there. Im going to be issuing my 2nd claim for another account with Natwest today so should be cool. Let me know what you hear.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

I think i might be being a bit thinck but what does it mean when your claim is deemed served?? That the other side have received it??

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

Link to post
Share on other sites

Yeh what that is is that when you put the claim in they will allow a few days for them to recieve it. As mine was over the bank holiday weekend it wasn't served till yesterday. It will tell you all this when the courts send you a letter.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Ah right, thanks for the info! I'll keep watching with interest!

 

Clark xx

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

Link to post
Share on other sites

My SAR has now been completed. As you will all see above, natwest gave me a loan at 16 years old. I can see where payments were made to this loan and i have the account number of the loan and dates payments were made, also copies of noted on the SAR showing when i called in saying im going to be late with payments but............"we are unable to locate and other account details for you and unable to locate a copy of your loan agreement".

 

Any ideas what i can do now???

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Guest NATTIE

Unable to locate Loan agreement? Maybe they should try one of three places for the agreement, the branch where the loan was agreed or lending centre or the storage dept of Iron Mountain, try a google search and it tells you what they do and NW use them. What they can tell you and have if I'm correct is that credit was given, without parental guarantees, to a person under 18 years of age which, i believe, is a breach of CCA 1974 Act, illegal if I am correct.

Good luck mate

Link to post
Share on other sites

I even have found on previous statements the loan account number and also a record of payments made to that account which are on my personal account statements. I like the look of that Iron Mountain, didn't realise they used an external company. I will write back to them giving them this info and asking them to find this loan agreement. What can i do if they still can't provide me with this contract?

 

When someone called me offering me this loan he was from a lending centre not from branch and if i remember rightly im sure it was Birmingham Lending Centre that called me. I remember signing the agreement so i know i had to do it and post it back to them with my cards from my personal account.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Guest NATTIE

Orfoster do you have the date the loan was set up? My gut feeling says that it would be pretty hard to defend a claim when you have been given a loan contrary to the CCA 1974 as you were not 18 at the time the loan was agreed and more importantly drawndown ie paid into your account

Link to post
Share on other sites

I know it was in May 2003 but don't know the exact date. I thought it would be easy for them to locate as i provided them with the account number. Well thats what i thought, i have been told this also by other people that what they have done is infact illegal so im not suprised they have been unable to find the agreement. I will think up a response letter to them, any ideas of what to say anyone??? Any legal terms i can put in from the Consumer Credit Act i have been looking but not got very far yet.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Hi Orfoster,

 

Hows it going?? Any news yet??

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

Link to post
Share on other sites

Well im not sure if i told anyone on here (think i did) NatWest sent me ALL my SAR to the wrong address. Well, my friend has just started claiming who was on my joint account-applied for the statements and they came to my address rather than his which i thought was abit funny and again HIGHLY ILLEGAL.

 

Now trying to persuade my girlfriend to claim charges back, this is additctive.

 

Nothing happened as yet with my claim on MCOL Natwest have till 12th Sept to do something.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

All mine says is acknowledged 4/9/06 so i guess im just behind you!!

On the other point, I can t believe they've done that with the statements. I was reading yesterday on another thread that that happened to someone else!!

They must be slacking because of all the extra work there doin at the moment!!

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

Link to post
Share on other sites

Just calculated NatWest Mastercard have charged me £104 in charges in the last year in late payment fees.

 

Im about to go to MCOL as i have done the Pre Lim and LBA letters and had no response.

 

Who has gone against NatWest Mastercard lately? Does anyone know if the registered address is still Bishopsgate. I keep asking them in writting but they ignore my letters.

 

They have been charging me £12 a time for late payment fees which as i understand it i can still claim back??

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Anyone??

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Yeh thats what i thought. Ok i am gonna submit my MCOL now to them. All made up of late payment charges of £12 a time. totalling £104.00.

 

Wish me luck.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Rite just filling my MCOL now, assuming that the particulars are the same as the ones for bank accounts. Hopefully they don't drag out claiming for credit cards as much as they do bank accounts.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Hows it going Orfoster??

 

Seen ur info under your threads, so u just waitin til the end of today now??

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

Link to post
Share on other sites

13.9.06--

 

12.01AM- Request for default Judgement! Accepted will be processed by 10am next working day. 14.9.06, banks have failed to acknowledge my £2448 claim or put in a defence so at this point looks like i have won, unless they try and overturn it.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Oh well done!!! Hope it all goes thru ok for you!!!

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

Link to post
Share on other sites

As i understand it, the banks have till 4pm today to put the defence in as i put my judgement in before 9am this morning it will get done today and they have till 4pm. hehe i will be watching the screen.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

I have e-mailed BBC watchdog with my story and a link to my thread to tell them the story like you can do above to tell them all about it. I wonder if they will be interested in it.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...