Sem vs Natwest

[Sem]

Hi

 

Ive just gone through my statements and natwest have charged me £1600 over the last 6 years

 

got my preliminary letter set up but i'm not sure on the address i need to send it to

 

I've been through this forum and I've seen loads of address but i'm still not 100% sure

 

can anyone help me with this

 

thanks

[Guest NATTIE]

Please not the branch,customer relations pleeeeeaaaaaasssssseeeeeeee.

[Sem]

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[grey_lady21]

There's an address on the NW website for complaints. (goes and checks)

This is it, it's the right one - got my cheque from NW today

 

NatWest Customer Relations

FREEPOST NAT12685

BOREHAMWOOD

WD6 1BR

[Sem]

hi just got a reply to my prelim from Mr S Higley hand signed and all

 

apart from the usual it says

 

"Having reviewed your account, I can find no instance where charges have been applied when they were not properly due. They have all been associated with a lack of covering funds in the account at the time items were present for payment. accordingly, the charges have been applied to your account must stand."

 

this doesn't sound like the other stand responses I've seen on this forum

[cumbria123]

Identical to mine. It`s standard

[uk_joe]

Identical to my letter too, if that helps I'm just carrying on as per step-by-step guide in teh FAQS section. I think most of the current letters have that paragraph about charges in them.

 

Good luck anyway

Joe

[Sem]

Hi

 

I'm about to start my claim vs Natwest and I'm stuck on the "Particulars of Claim" section on the money claim site

 

The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to {the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}.

 

The total I'm claiming for is £1680

+ £476.90 interest

so the total is £2156.90

 

i know at the bottom in the Amount Claimed i only enter the total (£1680)

 

how do i fill in the sections marked red

 

thanks

[Michael Browne]

Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of £476.90 (=8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £0.37p( = Amount claimed £1680 x 0.00022).

[VeryTrying]

Sem, when you get to the boxes to put the amount in, I filled in my claim form like this:

 

Amount claimed ................. this total is the charges PLUS the 8% interest (I didn't claim for any interest the bank had charged on the fees and charges - it was too difficult)

Court fees .............. this is the £50

Solicitors costs ............ nil

 

Total amount: add together the amount claimed and the court fees (although the form does this automatically for you, I think).

 

Remember, the figure you put in here is ALL you are going to get, so you have to make sure everything is in first time!

[Sem]

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[Sem]

the 28 days since my claim was issued is up today

 

so far I've only received a letter from the courts and cobbetts saying they have acknowledged my claim intend to defend and nothing since then

 

no AQ or anything

 

what should i do now

 

thanks

[Michael Browne]

Have you tried applying for judgement by default?

[Sem]

i tried to get a judgement but cobbetts filed the defence 2 days after the deadline

 

anyway today i received a copy of cobbetts defence and i'm not sure if i messed up

 

firstly i used the N1 form and the template for that on this forum

 

i filled everything out right and i attached a list of charges with the form

 

but in cobbetts defence they are asking for the claim to be stuck out saying my particulars do not disclose any reasonable grounds for bringing a claim against them and various other things indication i dont have a leg to stand on

 

it also says i haven't give a schedule of charges when i did staple it together with the N1 form

 

have i done something wrong or is this just more scare/delaying tactics

 

i used the template here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-particulars-claim-hard-copy.html

 

thanks

[Michael Browne]

This is Cobbetts latest scare tactic.

 

Look here:

http://www.consumeractiongroup.co.uk/forum/natwest-bank/14896-exmonkey-nw-2.html

[Plutos]

Sem,

 

Have no worries, these guys are unbelivable. Keep following the procedure and play the game. Take a good read of the longer posts on the forum.

 

Good luck!

 

Pl

[Sem]

got a letter from cobbetts today (AQ deadline is tomorrow) and they are offering £1300 out of a £2150 claim

[Lager_Lou]

Good news Sem, keep going!

 

Can I ask - after your letter from Cobbetts putting the frighteners on you and claiming to not have enough information - did you respond to this at all, or did you just sit tight?

 

Lager Lou

[Sem]

i sent them the letter about the CPR18 request located here

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html

 

with a list of charges

 

I'm going to send them another letter today accepting the offer as part payment only

[Lager_Lou]

Wicked - good luck and keep us posted

 

Lager Lou

[Sem]

received cobbetts copy of the AQ today

 

guessing there's nothing left for me to do

 

anyone know what i should expect now

 

how long (on average) will i need to wait