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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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Kenboy1961 v NatWest


kenboy1961
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Nat West are at this moment 27 days late after the 40 day period for a subject access request I have sent in, my letter of intent is being sent tommorrow and I have picked up two info packs on how to claim from my local county court. They were very helpful and said that they would go through the completed form with me so as to make sure of no mistakes. Although I don't have any exact figures (I think I will be looking to claim between 4-5 thousand pounds, estimated) until they give me the info I can't be certain.

 

I have a letter written from their credit managment services dept saying that the account should have been handed over to them much earlier from the branch, then so many charges would not of been applied. If this is not an admission of guilt to the money generating racket that these parasites all contribute towards then I don't know what is. Anyone got any advice for me before I lock horns with the nat west.

kind regards to all (fellow bank charge fighters) Kenny Ward.

let the games begin.

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Have you written to the Information Commissioner to make an official complaint?

 

If so, then I would suggest you proceed with your timetable and if that means court action before you know the exact figure, than you will have to use your estimate.

 

Hopefully in the mean time the IC will act on your complaint and you will get the info you need.

 

If it reaches court before this, then the bank will have to show your figure is wrong if they contest it - and the court will not look favourably on them for stalling.

..

.

 

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.

 

 

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I would be tempted to claim for the maximum you can and then get the bank to prove it's any different. Would love to see the judge's face if they try to explain where they got their figure from especially as they haven't bothered to provide it to you!

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yes the nat west cashed the tenner straight away then sent me a letter asking for the money again.sent the evidence to them of the cashed checque from my bank account.another stalling tactic i believe.i am just about to spend the best £50.00 quid ever as a local solicitor is gonna fill out the claim form for me.i cant wait for my date to be set with nat west in court.i can just see it now,all of those cockroaches beggining to get smeared in insect repellant.sorry if i sound bitter and twisted,but i am.

kind regards. kenny ward.(fellow bankcharge fighter)

  • Confused 1

let the games begin.

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Yes claim for the £5000 and let them prove otherwise.

 

Good luck kenboy, keep us informed!

 

Fingers X'd!

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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Yes claim for the £5000 and let them prove otherwise.

 

Good luck kenboy, keep us informed!

 

Fingers X'd!

 

well thanks for the advice,i will change the amount tommorrow when i sit down with the solicitor.i am a little concerned that it will go over the 5k limit if i add the interest aswell.do you think it would be a good idea to make another claim when i win this estimated amount . kind regards kenny ward(fellow bankcharge fighter)

let the games begin.

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Don't wory about interest or costs taking you over £5k - that doesn't count as far as taking it out of fast track is concerned.

 

If your charges do amount to more than £5k, you could decide to split the claim - but it's a personal choice at the end of the day...

..

.

 

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.

 

 

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thanks for that bit of sound advice.wouldnt it be great for the enemy to try and explain in detail how they accrued every single charge plus compounded the interest and for me to point out that all of there unlawfull actions very nearly bankrupt me and at one point contemplated the ultimate sacrafice.i am sure i am not the only person to suffer such agonies.kind regards kenny ward (fellow bankcharge fighter)

let the games begin.

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  • 2 months later...

hello to all fellow bankcharge fighters.to give a quick rundown on my fight with the nat west.after exhausting all avenues i issued proceedings 26/05/2006.recieved a defence form cobbetts solicitors acting for nat west to have my claim struck out due to lack of particularity.i had to apply to the court allowing me to ammend the particulars of the claim which i will do on the 27th july.i feel that this is just a stalling tactic so as to put more pressure on me.i cant see why these so called legal bigwigs cant understand the claim when its in plain english that i want to recover all the punative charges applied to my old account.

i have recieved another letter today saying that case management directions cannot therefor be proposed until the claiment serves the ammended particulars,at which point the defendant may amend its defence or apply to strike out.please can anyone advise me as i think the enemy are just trying to tie me up in legal jargon in the hope of me throwing in the towel. any responses would be most welcome. kenny ward (fellow bank charge fighter.)

let the games begin.

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Somehow I think your request has been missed. I suggest posting another thread another message with "Urgent help please" in the title - the moderators are usually pretty good at answering queries. From other posts I think this is a tactic from Cobbetts to put you off ... anyway if you have leave to amend your particulars of claim you should be able to reschedule ... hopefully someone who knows more will come back to you soon.

 

Regards

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

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thanks for the reply its much apreciated.got all my info ready to present to the judge on friday.ive asked cobbetts to let the nat west know that ime at this eleventh hour prepared for a settlement and then i will walk.they have replied saying they wish to view the particulars then they will decide.can you give me any other advice. kind regards. kenny ward.(fellow Bank charge fighter)

let the games begin.

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I dont think you can split a large claim into two smaller ones just to stay below £5000. Unless you have two accounts, each account could then have its own claim.

Sorry Haydn but you can. You can claim the first 3 years worth of charges and then the second, or split it anyway you like really.

[

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Vamps would also like me to add the following:

 

If you sever your claims (that is, to split the totals) then there is a small risk that the second claim could be challenged, the argument being that you deliberately altered the value of the 1st in order to avoid the issue of 'track' by keeping the claim below £5k.

 

If it (the 2nd claim) were challenged in this way, there is a possibility that the claim could be struck out.

 

All in all, I think the benefits of going fast-track outway the negatives, namely;

Advantage: You will get standard disclosure

Disadvantage: Small potential costs, should you lose

 

Are you confident of the case?

 

If not, you really shouldn't proceed anyway. If you are, then go for the full amount in one go. You wouldn't be the first, by any means....

..

.

 

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.

 

 

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I am just thinking of double jeopardy principles, suing the defendant twice for the same crime. I had a hearing when I sued a surveyor. The claim was complicated and I was broke so I sued without a solicitor, for the falling down garage and won (just under £5000). Then I issued another action for the flooding, (another £4000) I lost because it was an abuse of the system trying to artificially keep the action below £5000. The claim was judged to be the same breach and the surveyors defence was largely that I had already sued for the faulty report. They had no defence at all in respect to the flawed survey which gave the house a clean bill of health.

Its WAR

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hello to all who are helping me and a big thankyou. as we stand cobbetts solicitors still want me to elaborate on the particulars although i honestly believe that even an ameoba would be able to understand the content of the claim.of course when i get in front of the judge i will voice my concern that these solicitors have put me through undue stress for having to go through this particularisation of the claim when a settlement could of been reached from my first letter to recover the money.the amount i want to claim is only an approximate because nat west will not provide me with all the information on the account.my god it is so frustrating. to all the fellow bank charge fighters in my predicament ,dont despiar because we are all united.(JULIUS CEASER ONCE SAID DIVIDE AND CONQOUR.)WELL FELLOW FIGHTERS IT AINT GONNA HAPPEN. kind regard to all kenny ward

let the games begin.

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

let the games begin.

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