Alex v Natwest

[natwesttookmymoney]

No, don't worry about the 15 entries. Write back to them rejecting the offer and accepting the £160 as an interim settlement only. They will withdraw the offer.

Include in your letter something along the lines of the following.

"You have stated in your letter that NatWest will not consider any claim over six years old, alleging that it is time barred under the Limitations Act 1980. I shall be claiming, under S.32 (1) (b) and © LA 1980 that NatWest has knowingly concealed the unlawful nature of its charges from its customers, and I was not aware of this fact until the last few months - nor could I, as a layperson, be expected to be so aware. I am therefore giving you this opportunity to reconsider your decision not to refund charges extending back beyond 30 October 2000."

 

FYI -

 

S.32(1)(b) relates to concealment of facts leading to the cause of action rather than concealment that the charges were unlawful. So you would need to establish that they concealed the the true cost of the services they were providing in relation to your breaches - and their standard 'our charges are fair, clear and transparent' sentence is probably an enormous help in doing so.

 

Hope that helps. If it does, click the scales!

 

Westy

[natwesttookmymoney]

You're welcome. Any more suggestions or help required don't hesitate to ask.

W

[natwesttookmymoney]

Absolutely not. It's raising a point that you may wish to argue in court (if it gets that far) so the last thing you want to do is exclude it! (Which is what WP does)

Westy

[natwesttookmymoney]

Hi, Alex

 

Has NatWest filed its defence yet? It should have done, if your MCOL was filed 30 October - in fact, they're well overdue. Is 30 Oct the date you actually filed?

Westy

[natwesttookmymoney]

Hi, Alex

 

HNY

 

There may still be some hurdles to jump over but the general experience is that settlement with NatWest is reached 33 days after AQ. That could be more or less in your case - in some ways, I'm surprised they haven't settled already, given the size of your claim and the flurry of settlements before Christmas.

 

Just settle back, check all your docs to ensure you've done everything right and wait. The next move is theirs!

 

Best wishes

 

Westy

[natwesttookmymoney]

Keep your nerves rust-free, good luck with it.

 

Adios