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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Quinn v NatWest. *** WON ***


quinny1
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Well,after reading this site,the time has come for the wife and me,to reclaim the stand and deliver fees,that the NatWest have levied upon us,in all the years that we have had an account with them.

 

The S.A.R - (Subject Access Request) letter has been drafted,and will be posted,recorded delivery,tomorrow,and the process will then begin.

 

An update will of course be posted,in accordance to the events as they unfold.

 

Could be an interesting one though,as we have had an account with them for 20 years.

 

Wish us luck.

 

Next stop:The Halifax.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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good luck quinny1. I sent my SAR request to Nat West on the 28/7, still not heard anything.

Cap One (me)

Data Protection Act sent 15/08

Prem letter sent 23/09 £800

Partial offer £312

LBA sent 04/10

File at court 27/11

/B/C (me)

Data Protection Act sent 18/08

Account pre may 04 ordered statements

11/09

 

B/C (old mans)

Data Protection Act sent 18/08

missing statement letter 29/08

Prem letter sent 26/9 £500 + £1172.00 Est

 

Nat West (joint)

DPA letter sent 28/07

LBA non-compliance letter 11/09

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Thanks Wendy.

 

S.A.R sent today by recorded delivery,so I wll update once I know they've signed for it.

 

There's no going back now!!!!

 

Just been talking to a friend of mine,who was totally oblivious about all this,and he has asked for the link to the site,so I will be sending it to him.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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My S.A.R was delivered today,according to the Royal Mail website.

 

I quote:

 

Your item with reference DH*********GB was delivered from our EAST LONDON Delivery Office on 22/08/06.

 

The 40 days,start from now.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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  • 2 weeks later...

Well,I have an update.

 

Copies of the statements for the bank account arrived today,so fair play to them for getting them to our house in such a short space of time.

 

Unfortunately,because I'm working over the weekend,it will be Monday before the wife and I can go through them.

 

I'll let you know once we have done so,what amount they may owe us.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Change of plan.

 

She who must be obeyed,decided she wanted to go through them this evening,and we've come across £1195 in charges.:eek:

 

However,we now have to go back and re-check,and deduct the AG fees that we had,as at one point,the Nat West started to lump them together,and we will have to seperate them from the O/D fees,but we still reckon on them owing us circa £1000.

 

More later.........

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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  • 2 weeks later...

Update:

 

We've now sat down and calculated it all properly,and according to our figures,they owe us £985.

 

We've put it all together,using the spreadsheets,and will send it to Bishopgate tomorrow,and see what happens.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Further update:

 

Got the,'We are not to blame' letter today,and interestingly,one of the paragraphs in it reads:

 

'Having reviewed your accounts,I can find no instance where charges have been applied when they were not properly due.They have all beena ssociated with a lack of covering fundsin the accounts at the time items were presented with payment.Accordingly,the charges applied to your accounts,must stand.'

 

Furthermore:

 

'In your letter you have claimed that we have been acting as your fiduciary,yet I am unsure of the basis of your contention.This does not form part of the normal banker/customer relationship.'

 

I also note that they do not accept the OFT's findings,of the 5th of April.

 

So what is my next step,people?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Ok, get the letter together and send in the LBA letter which can be found in the Templates Library in my signature at the bottom of this post. Send that in inluding the spreadsheet including all your calculations but not the 8% interest as this is only claimable at court. You can send this LBA letter from now as they have responded to your intial letter.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Thanks for that.It will be on it's way tomorrow.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Well,I'll say one thing,they're on the ball.

 

Got the 2nd 'Get lost' letter today form Stuart Higley again,and it reads like this:

 

Dear Mr Q.

 

Thank you for your letter of 25 September 2006.

 

I regret that there is little I can add constructively to my last letter and note your proposed course of action.I have alerted our lawyers and litigation department accordingly.May I please remind you that the address to use when initiating legal documents is that of our registered office below.

 

Thank you for letting me know of your intentions.

 

Yours sincerely

 

Stuart Higley.

Customer relations.

 

So now we've got to this point,what is my next course of action?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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btt

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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  • 3 weeks later...

Been away,and not been able to complete the MCOL.

 

Had a look at it,and it's so confusing,and mind boggling.

 

Can anyone assist me with it?

 

Thanks in anticipation.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Got to the particulars of claim page.

 

What do I do now?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Yes been there.

 

When sending my original request to the bank,I did the spreadsheet,without the days accrued,and intrest charges,as advised,but when I now go to copy and paste the details to a new spreadsheet to include the days and interest,it doesn't calculate them.Why?

 

Also,can I copy and paste this information to the MCOL page when I'm making the claim?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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S/s problem: No idea, Im clueless on s/s All i can suggest is to enter everything again on a new s/s

 

You don't have enough room on MCOL for particulars of claim and schedule.

 

After filing send 2 copies to MCOL clearly marked with your claim no.

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

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Right.

 

Managed to do the days and interest calculation,which I may add,put on another £200 in interest.

 

I'm now guessing that it will be too long to copy and paste to the MCOL site,so will I have to print it off,and send it to the local county court,and if so,with what information,bearing in mind,that I have started the process on line.

 

So many questions........

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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So in the particulars of claim page,do I just put 'Reclaiming of bank charges'?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Superb.

 

Thanks with your help.Form now complete,fee paid,copies printed and ready to send off to MCOL.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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