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    • I'm sure the cherries resalable – but I think the regulations mean that the item has to be returned in its original saleable condition – and clearly yours is not. It has been assembled.
    • UPDATE:   I've just received a 'Notice of Hearing Application' for a telephone hearing on 02/08/21. The letter mentions a copy of the set-aside application is attached but there was nothing attached. I presume that would have been a copy of the n244 that I sent to them.   It also says... as well as any documents that I intend to rely on or refer to at the hearing need to be filed by email to the court and the other party not less than one clear day in advance of the hearing (unless an existing order states to the contrary in which case the other order prevails)     I do have the last deferment letter from 2011, should I send it?  I can't send them proof of informing them of address change as I have not got any.    I have no idea what to expect in the court hearing, any advice would be welcome as I'm absolutely scared stiff and worried I will say the wrong thing. The cancer biopsies are not looking promising either and I'm currently undergoing further tests so it's really hard to stay positive atm      notice of hearing application edited.pdf
    • Hi BankFodder, thank you for the quick response.   The chair itself is actually resaleable, in that it functions fine and still in new condition. And unfortunately I couldn't tell whether it was suitable for me without assembling it. The problem arises in trying to get it sent back, because I couldn't disassemble it to fit it back in the original box. The manufacturer indicated that it should come apart, so I am not sure if it is a defective chair in this sense, or if the stool is not designed to be disassembled at all and the person I spoke to just didn't have the information specific to this model.    Does that change anything? 😕 If not, then I guess I'll have to accept a pricey furniture experience....
    • HI, just an update Received everything back from ELMS Legal after sending CPR. It includes the first letter advising i have been photographed parking, but this letter is from VCS and not Excel as i stated in my first post. I guess, since i threw it away i have no evidence now to prove they messed up.   Im getting a bit worried as i still haven't done my defence. I have looked at the above posts you have signposted me to but cant find what i am looking for " the generic defence answers", and after researching coming up with so many things that i am panicking     How do i actually reply to the case  and when can i have my actual say, its getting too stressful and i fear a  payment is just the easy option now.   Ive had another ticket too now from another company despite being on a list of allowed contractors for parking somewhere else. Its beyond belief.    Do i just log back in to MOL and then put why i think i shouldn't have to pay?   Please help |Thanks   still looking for this, it comes up as thread locked  put up your version of our std 3-5 line generic catch all defence
    • Hi,   Many thanks for your reply.   It's possible that my last attachment was not viewable, so its attached again.   Yesterday I  mailed the tenants with my offer, but they have gone cold with no reply, usually emails are replied to very quickly.   Looking at sections 4.3.1 and 4.3.1.2 have they breached the tenancy by not informing me that the so-called fixed leak had become worse, and  I was not informed even though I did find out two days before they vacated?   Thanks  in advance IMG_20210612_0001.pdf
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Greg V Natwest again *SETTLED IN FULL*


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I have just finished adding up all the charges against my account using the spreadsheet in the library and printed off the prelim letter telling them they owe me £1014.83 and have addressed it to my local branch (hope this is correct) and will start counting the days from tomorrow 9 june 2006 until I sent the next letter I phoned the bank last Friday to ask for all my statements since inception of the account 2years ago and they arrived yesterday

 

I am a little concerned however that I have done everything correctly any advice would be helpful

 

Greg

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Stick to the step-by-step procedures in the FAQs and you can't go wrong :)

 

Good luck!

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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FAQs are at the same level as the General forum and the individual bank ones. Bright red letters - can't miss 'em.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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  • 2 weeks later...

sent first letter to bank claiming £1014 on the 9th june recorded delivery to my branch and have had no response from them at all is this normal are they playing for time when I send off the next letter on Friday

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Guest NATTIE

The branch may not have signed for it even if sent by recorded delivery, although they would have reeived it, but there is a process for branch staff to deal with Unlawful Bank charges so a response, if they follow the processes, should have been made. The branch could have sent the letter onwards to a lending Unit or to be blunt do not know the correct process in place. The process is to liase with Customer Relations Unit who will advise on what response to make

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No refusal template as such. Send an amended LBA that you accept their offer as a partial settlement and will pursue them for the rest. Chances are they will withdraw the offer so after 14 days you file a claim for the full amount

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Have amended the lba as follows please advise if this is ok

 

Thank you for your letter dated 21 June 2006 to which I decline your offer of £427.00

 

from there I go on to the standard lba letter

 

any advice would be appreciated

 

regards

Greg

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you must accept any offer they make you as you must mitigate your loss you do not and should not accept any conditions attatched to the offer ie: in full and final settlement.You should accept the offer but reject all conditions attatched and tell them you are accepting it in part payment and will pursue them for the rest .

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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It would have been better to accept as partial and pursue for the rest, rather than outright rejection. Shows you're being as reasonable as possible.

 

But it's not that critical. So don't worry, you haven't blown it

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received letter from customer remains today

 

as follows

 

Dear Mr Parker

 

Your complaint regarding charges has been passed to me and I am sorry we have failed to reach an agreement with you. Please accept my apologies for any unintended inconvenience or upset.

 

I regret that there is little I can add constructively to previous comments but having reviewed your account, I can find no instance where charges have been applied when they were not properly due. They have been associated with a lack of covering funds in the account at the time they were presented for payment. Accordingley, the charges that have been applied to your account should stand.

 

That said in the hope of forging a compromise and settlement with you, (person from branch) proposed an offer of £427 as a gesture of goodwill and without admission of error or liability. this would be paid on the basis of a full and final settlement.

 

I know you have declined this offer but it is not to be increased, if on reflection you decide to accept please contact (branch Manager who will arrange payment.

 

It is dissapointing to note that you are contemplating legal action with the bank.

Whilst I hope you will feel able to reconsider, should you decide to go ahead please ensure that any Proceedings are served on our Registered Office Address, which appears at the foot of this letter.

 

I suspect that this is unlikely to be the answer you might have hope to receive but nonetheless thank you for taking the time and trouble to contact us.

 

signed

 

:p

 

 

 

ON TO MONEYCLAIM !!!!!

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After such a definite refusal, some people follow the guidelines and wait the full 14 days.

 

Others have filed at moneyclaim immediately and it hasn't seemed to have harmed the outcome

 

So really it's whatever you're comfortable with

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Have filed today filled in the N1 form manually as I had to make a choice of paying court fees or feeding the family so did it on tax credits

 

court reckons I should hear from them in 5 to seven days

 

so the ball is rolling

 

many thanks for all the help so far

 

regards

Greg

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  • 4 weeks later...

Received Notice of issue from County Court 18 July 2006

 

received Notice that acknowledgement of service has been filed on the 19th July I received notification today 27 July 2006

 

they intend to defend all of the claim

 

they have 28 days to do so the solicitors are Cobbets, Manchester

 

is this just the part of buying time????

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  • 2 weeks later...

I have a thread Greg v natwest but have not had a reply to my last post on 27 july just wondering if I could get some advise

 

I received the acknowledgment and the banks intention to defend the claim through the court advising me they had 28 days to file there defence

 

is this just part of there buying extra time by my calculations there time runs out on the 15 august 2006 I have heard nothing since then

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Hi,

I have had the same, apparently this is normal. See others threads like littlemichelle, after the defence was entered some people got a cheque by recorded delivery with 2 days. Hoping this will be us as well. So many people get down after the defence letter. It seems that Natwest are now speeding up payment for charges. It looks like if the claim is over £1,000 Cobbets Solicitors sign the defence form but payment is usually still paid quite quickly. I didn't even get a signature from a human being on mydefence acknowledgment. See the litigation forum for payments made to date. Good luck.

Hunbun;)

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hi , I've just had a letter from natwest, saying that they are going to send the baliffs unless i arrange payment of charges on my account by the 18th of August. i sent them a letter requesting a statement of charges on my account for the past six years, two weeks ago. yesterday i went into my branch to confirm that they had received my letter and they told me they hadn't. i'm about to see my solicitor. Any suggestions?

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