0433debbie v. NatWest *WON*

[0433debbie]

Hi everyone.

 

Just to let you know that I have done everything by the book. Received 3 years worth of statements from Natwest. Ploughed through them for quite a few hours. They actually owe me £3600. I sent the letter before action but received the usual letter that everyone else seems to get telling me that the OFT report only refers to credit cards and not current accounts.

 

I then tried to play on their heart strings (but they dont have any) letting them know that I am a single parent on benefits and that they have taken nearly a years worth of benefits in illegal charges. I didnt even get a response. So on 15th August I took myself off to the local county court where I issued an N1 form. It was fairly easy. Just had to fill in a form regarding income and outgoings and they do the rest for me. Didn't have to pay any court fees.

 

So now I am playing the waiting game. Has anyone else done it this way? Can you tell me how long it took for the court to deliver the N1 to Natwest? Or how long Natwest now have before I can go for the default?

 

Would be grateful for any advice.

Thanks

[sm03art]

it took 5 days for them to issue to natwest. good luck with your claim!!

[Smudgeless]

Hi Debbie,

I have just filed my N1 by post so it seems we are at the same stage. Best of Luck

Smudgeless

[0433debbie]

Hi Smudgeless

 

Good luck with your claim. I am very scared now. Hope I am not the one who has to go to court!!

[0433debbie]

Ok well I am now getting worried. Took my N1 to court on 15th August. A week ago. Have heard absolutely nothing. Does anyone know if this is normal?

[0433debbie]

Got notice from court today that my claim was served on natwest on 23rd August and that they have until 6th September to acknowledge. So I am playing the waiting game. Once they acknowledge they get 28 days from the date my particulars of claim were served on them, so that takes me to 20th September. Fingers crossed now.

[chriswatkins]

good luck, they have until 1st september for mine, fingers crossed for us all

[0433debbie]

Best of luck to you too Chris.

[0433debbie]

I received my acknowledgment of service today signed by Cobblers!! They intend to defend my claim and have until 20th September to do so.

[Guest NATTIE]

Good Luck

[0433debbie]

Thank you Natweststaffmember. I hope I dont need too much luck. I just want my money back. I am quite scared really. If it doesnt get too technical I should be ok.

[orfoster]

We are all here to help you along the way so if it gets at all confusing just shout.

[0433debbie]

I will and thanks for your support.

[Smudgeless]

Hi Debbie,

 

Just got my letter from Cobblers!! They intend to defend my claim against them also !!!! Which I Believe is there normal response. Best of Luck with your claim.

Smudgeless

[0433debbie]

Hi smudgeless, I hope you get your money. Will be watching out to see.

 

Debbie

[0433debbie]

Well I am still waiting for their defence. They have until 20th September. Cant see that they will ask for more info as I handed everything into the court for service at the beginning. I am counting down the days.

[livelylad]

Well I am still waiting for their defence. They have until 20th September. Cant see that they will ask for more info as I handed everything into the court for service at the beginning. I am counting down the days.

 

Hi Debs good luck but i think you will be getting the same standard defence response from cobblers on the last day!!! but never fear there is always help here.

[0433debbie]

Great news everyone. I got a letter today from my own branch of NatWest from the Customer Services Officer. Offering me £1852 if I settle in full. I sent them a very polite letter back saying sod off I want the lot or see you in court. Was not expecting a letter from my own branch. Wonder if they are changing tactic. Bizarre thing though, their letter was dated 10th April!!!

 

I hope I am not playing a dangerous game cos I really need this money. Am single mum and on benefit.

 

I know I need to hold my nerve. So here goes. But surely it can only be good from here on.

[Plutos]

Great news everyone. I got a letter today from my own branch of NatWest from the Customer Services Officer. Offering me £1852 if I settle in full. I sent them a very polite letter back saying sod off I want the lot or see you in court. Was not expecting a letter from my own branch. Wonder if they are changing tactic. Bizarre thing though, their letter was dated 10th April!!!

 

I hope I am not playing a dangerous game cos I really need this money. Am single mum and on benefit.

 

I know I need to hold my nerve. So here goes. But surely it can only be good from here on.

 

You go for it - sounds like you're close so congratulations. Nice and inspiring for all the rest of us!

[Warms]

I sent them a very polite letter back saying sod off.

Love that bit!

Good luck to you, Debbie, you'll get your money, don't worry!

[Guest NATTIE]

Debbie- NatWest are not starting a new tactic but it is always nice that a branch does respong to an LBA so its off to Moneyclaim online. Good Luck

[0433debbie]

Thanks for all your good luck messages. I dont know what I would have done without all the support from all you lovely people.

[0433debbie]

Well today is the day that Natwest should have filed their defence. But nothing has arrived in post. I was hoping for a letter offering me the full amount in settlement seeing as I refused the half settlement offered last week. I will be filing for judgment tomorrow. I know that they play dirty tricks and often file their defence late but I will pip them at the post and try for a default tomorrow.

 

Will let you know if anything arrives in post tomorrow.

[0433debbie]

Still no defence has arrived today. So I am off to court to put in for judgement. I hope by going there is person I can find out if natwest are allowed to put in a defence after today. I hope not.

[Isobel Daly]

Good Luck, fingers crossed for you.

 

Isobel