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REALLY NEED SOME HELP!! I SENT MY DATA PROTECTION ACT LETTER OFF A WHILE AGO, RECIEVED STATEMENTS, AND CALCULATED THAT NATWEST OWE ME £1,500!!! :-x

SO I SENT MY LETTER OFF SAYING I WANTED MY MONEY BACK! I RECIEVED A LETTER STATING THAT THEY WILL NOT BE REFUNDING MY MONEY, SO I SENT THEM MY LETTER BEFORE ACTION...TODAY I RECIEVED A LETTER STATING THAT THEY BELIEVE THEIR CHARGES ARE FAIR AND REASONABLE, YET THEY WOULD BE PREPARED TO REFUND ME £409.00 AS A GESTURE OF GOOD WILL!!!!

 

NOW WHAT DO I DO, I WANT ALL MY MONEY....IT IS MINE!!! I JUST DON'T KNOW WHERE TO GO FROM HERE!!! PLEASE CAN ANYONE HELP???:sad:

 

LOUISE, 24, NORTHAMPTON

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I believe that you should follow the programme that is clearly laid down in this site. Look at the information posts (at top) for your next step.

Mark

RBS -

20/7 First letter 27/7 reply rcd nil offer

4/8 LBA No reply

15/9 Mony claim lodged 28/9 Recieved Notice of defence

18/9 (last possible day) defence entered by Cobbets

19/9 Defence bundle and CPR 18 recieved from Cobbets

20/9 Allocation papers recieved

20/98 recived notice of transfer to local court

21/9 replied to Cobbets

21/9 Completed AQ Due back 6/11

10/11 recived offer of £1300.00 - replied no thanks.

17/11 Allocated to Small Claims Track - Hearing 16/03/07

 

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You could accept their offer, but in no way as full or final settlement and merely as a partial payment towards the full amount as discussed in your LBA?

 

Follow the path set out on this site is great advice and the same note I was dropped after initially coming onto this forum. Sometimes it sticks a bit as you're probably keen to get on with your claim, but it is well worth your while. If you follow the instruction and stick to your deadlines, they will pay you in full what you're owed.

 

Remember one thing, knowledgte is power, and this website has all the knowledge available. Study other people's cases similar to yours and follow their diaries. All your questions will be answered here somewhere.

 

And bloody good luck, stick to your guns...

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What I had happened to me they'd actually reimbursed me a bit back when I sent my 1st letter of complaint without actually asking or telling me. I sent them a letter saying thanx and wheres the rest? They responded with the 'our charges are fair speech' and I have now just filed my money claim. As they've asked you we'll give you this back just say thanx but no thanx as as Mark said follow the programme clearly just stick to the deadlines you set them the point is you give them 14 days to respond what they choose to say is another thing I think its 3 letters to send to them then file your claim

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Thanks All For Your Help!!! Im Definately Not Going To Accept The £409.00...i Will Send Another Letter Informing Them I Am Not Happy And Basically I Want My Money...if Not Off To Court We Go!!!!!

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I Recieved A Letter In Response To My Lba, Stating They Would Refund Me £409.00 As A Gesture Of Goodwill...of Course I Did Not Accept As They Owe Me £1,500!!! So I Sent Them A Letter Stating This, And That After The 14 Days I Will Be Issuing A Claim.

Today I Recieved A Letter Stating That...

'due To The Nature Of The Issue, I Am Now Refering You To The Customer Relations Unit, They Will Contact You In The Next Few Days' Signed Mark Chamberlain.....what Do I Do Now Do I Speak To Them? Im Just Not Sure What To Say...im Not Very Good At Things Like This??? Please Help Me.....:?

 

Louise 24, Northampton

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if you've sent your lba and allowed them the 14days, next step is moneyclaim!!! they are stalling, hoping you will give up! dont!

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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I've Just Filled My Claim On Moneyclaim Online, What Do I Do Now? Am I Meant To Ring The Court, Or Do Money Claim Sort It Out???

Im Really Unsure Please Help!!!:?

 

Louise 24, Northampton

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You leave it and wait to get a response from the defendant. Moneyclaim ARE the court service.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Thanks dolly!!! it's great there are people on here like you to help!!! think i just get caught up with all the jargon...it just confuses me!!! thank you again, i'll let you know what happenas next...Louise x

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Louise, you HAVE already sent off your two letters requesting a refund, haven't you? Sorry if I misunderstand, but I'm worried in case you are starting with legal action, rather than trying to negotiate (?) first.

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Ditto

 

The only time you should be speaking to them is to thank them for their settlement in full

Which should happen quite soon !!

 

Get The mc in as soon as the 14 days end

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Don't talk to them over the phone, they will try to back you into a corner. If they telephone you, simply tell them that you do not wish to discuss personal details over the phone for security reasons and you wish to communicate in writing. Don't let these stalling tactics prevent you from sticking to your deadlines. As Cilitbanger said, you need to file that MCOL after the 14days and then sit back and wait for the money;)

 

Very best of luck (not that you need luck, the money is yours!)

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3 threads merged , please keep to the one thread when upodating and asking questions

 

All your posts are asking what you do next .This is a self help forum where you are expected to do the groundwork yourself.You need to read the FAQ's , step by step guide and around the forum .If you have any questions then give us some time to answer not start a new thread , thanks

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Weez, you said.......Thanks dolly!!! it's great there are people on here like you to help!!! think i just get caught up with all the jargon...it just confuses me!!! thank you again, i'll let you know what happenas next...Louise x

 

You dont have to tell us, we already know what will happen next. Nat west will issue an acknowledgement of service about midnight before their deadline. Then a defence will arrive that will sound convincing but will be real tosh. The summons will be transferred to your local court and they will send you the Allocation Questionaire. You fill it in...its easy and send the court £100 because your claim is over £1500. 18 days after your AQ, Cobbets will send theirs back. Then the Court will tell you of a hearing date. Then, sometime before the hearing date you will receive a full repayment including the AQ fee. Its that straight forward. You might have to answer the odd request, but the answers are all here. Just keep going through as many threads as you can, instead of watching Eastenders etc and you will see it all happen to everyone else and then it happens to you....no worries.

Its WAR

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Hayden's got it in 1 hun..

Natwest are textbook in the way they do this.

 

It is really daunting at first and you just want lots of ressurance that your doing it right, i was the same.. Rest assured you ARE doing it right and dont panic!

You will get there eventually.

 

All the best hun.. Happy spending will soon be yours!

 

 

 

Steph X

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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thanxs all for your great advice...i really need it!!!! i'm definately gonna stick 2 my guns!!!! even if it does get scary!!! i will keep you all updated as to what happens next...thank you all so much again Louise xxxx

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Hi Weez

when reading thru' your thread, feeling exactly the same... Scared, Frustrated, Confused, all sorts...NW jsut acknowledged my court claim less than a week ago and i wait & see what is going to happen. let's keep up our works and get it sorted asap.

Apple

 

NatWest - MCOL issued 31/07/06; NW acknowledged 03/08/06; NW Defended 31/08/06; Cobbetts offered 60% 27/09/06; NW settled in FULL!!!! 07/10/06

Halifax cc - LBA sent 27/07/06; No Chance

First Direct - Data Protection Act sent 25/07/06; PRELIM sent 07/08/06; Offer received 12/08/06; Refused 18/08/06; 2nd offer rec'd 23/08/06 £1405 without interest (£172) and we accepted:grin:

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Hi Weez

when reading thru' your thread, feeling exactly the same... Scared, Frustrated, Confused, all sorts...NW jsut acknowledged my court claim less than a week ago and i wait & see what is going to happen. let's keep up our works and get it sorted asap.

 

Its normal to feel like this but dont worry you will be fine.

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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