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    • Hi. I've moved your thread to the Residential and Commercial lettings forum. People should be along to advise later. HB
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    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Chris v Natwest***WON***


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Cobetts were very successful for Cobetts! They must have made a fortune out of RBS!!

 

Can't believe how negligent they are being at NatWest and all of the banks in paying out so much money to solicitors and in court costs as well as all the 8% interest that they wouldn't have to if they just paid the money back when you asked for it! Their shareholders are being let down so badly!

 

Anyway, its great for us I suppose. I hope mine gets that far too so that I can claim my 8% on top of the charges. That alone should pay for a nice little holiday!

 

Good luck with it all, can't wait until mine gets to that stage, its so frustrating waiting!

 

There'll be earning thier keep alright as I bet for everyone of us that takes them the full stretch Cobetts scare a dozen more into accepting a lower offer.:mad:

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well, I just phoned the court to find out about these 2 acknowledgements that I recieved, 1 dated the 10th august, the other dated the 17th, they said the 10th one was a mistake, so I asked when exactley coud I put in for judgement against NatWest and was told that thet have until 31st so I can put in for judgement on the 1st september.dont know how they have worked that out as papers were served on 7th august

hope I get some thing in the post today, post doesent come till between 11 and 12, so will just have to wait and see

CHRIS WATKINS

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would you credit it, ( I know, yes you would )Natwest has just charged me another £19 for going overdrawn, how do they decide what they are going to charge, it seems they just charge what they want

CHRIS WATKINS

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Don't count on it, they'll probably file a defence at the very last moment (maybe even a day late), thats generally the rule! But for every rule there is an exception so fingers crossed.

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Just looked at the rest of the thread and notice i've already told you this ... god, i'm boring!!

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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well laffar, looks like you could be right, still nothing from anyone and tomorrows the last day, so if nothing in the post on friday morning then its of to court to put in for judgement, tick tock

CHRIS WATKINS

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Are Natwest really this bad? I want to claim but this just sounds awful!!! I've had my troubles with them in the past and am just worried they're going to close my account and make me pay back my overdraft straight up....any words of encouragement that this wont happen??

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if Natwest want to close your account they have to give you 30 days notice, if they close the accounts of everyone of us that are claiming off them they will soon have no clients left, so I would'nt think it in their interest to close accounts,

CHRIS WATKINS

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Agreed, it's very very very rare that they close peoples accounts

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Interesting to hear all you guys about Natwest. I am just about to follow suit and put a claim into natwest for all the nasty charges over the years - it comes to quite a sum! I have just put all the charges in a speardsheet I found on the site and it says I should send this breakdown to the bank with my request of charges. HOWEVER, it also says that I am stongly advised to attached a schedule to your claim with the courts. Sorry if I seem silly asking this but what does it mean when it says schedule - what schedule? And I don't think I am at the point where I put a claim in to the courts yet am I as I haven't yet demanded this from the bank yet...?? confused!!

 

Thanks for your help, really appreciated. Good luck to all of you. Sounds like Natwest try and hold out!!

 

Jenny

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hi Chris

We are running exactly along with each other - my final date is also the 4th - ill put money on it that come the 4th or 5th they defend!!! Good luck mate ill be thinking of you mon / tues x

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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Interesting to hear all you guys about NatWest. I am just about to follow suit and put a claim into NatWest for all the nasty charges over the years - it comes to quite a sum! I have just put all the charges in a speardsheet I found on the site and it says I should send this breakdown to the bank with my request of charges. HOWEVER, it also says that I am stongly advised to attached a schedule to your claim with the courts. Sorry if I seem silly asking this but what does it mean when it says schedule - what schedule? And I don't think I am at the point where I put a claim in to the courts yet am I as I haven't yet demanded this from the bank yet...?? confused!!

 

Thanks for your help, really appreciated. Good luck to all of you. Sounds like Natwest try and hold out!!

 

Jenny

 

No you send the prelim request to the bank with spreadsheet ( not interest at 8% page) then 14 days later the LBA with spreadsheet, then 14 days later if you have to claim then ssend the spreadsheet ot court - spreadsheet otherwise known as schedule of charges

Consumer Health Forums - where you can discuss any health or relationship matters.

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Can anyone tell me how to claw my charges back...?

 

I have sent a letter threatening legal action if they don't refund my charges.

 

They have of course ignored this, so how do I actually start the ball rolling...?

 

Is it through the small claims court..?

 

I want to do it all myself and not use no win no fee solicitors.

 

Or should I use the solicitors...?

 

If I do will I have to pay them a percentage of my reclaimed ammount...?

 

Any help would be gratefully appreciated.

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Pygmy_Giant: Please read the Forum FAQ. It will answer most of your questions. Then read some of the threads on the Natwest part of the forum. Do some research before you get started so that you know the implications and what to expect. All the information that you need is on the forum.

 

By all means ask for help, we've all received help and are of course happy to help others, but read as much as you can about it first.

 

Good luck!!

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