Jump to content


  • Tweets

  • Posts

    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
    • i was merely pointing out if the OP did put in an N244 it required a bundle. as for what they need to do now.... it might be an idea to post a link to your thread then the OP can read it and understand where your guidance is coming from and the ongoing process he will have to follow... dx
    • The notes entered into circulation yesterday and are proving popular with collectors, who will be hoping to snap up examples with low serial numbers.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Grant V Natwest


chuck2001
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6310 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Guys,

 

Just typed up the SARs for my parents ready to post today, anyone recommend sending it registered post.

 

Cheers Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

  • Replies 107
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I have sent all of my documents by recorded delivery. You can track them on the royalmail website. That way you get to know when they were delivered and they can't tell you they haven't got them.

NatWest - £3161.04

Initial letter sent 21/6/06

Reply 26/06/06

LBA sent 28/06/2006

Reply 30/06/2006

Issued 2nd August

Judgement entered 21st August

Warrant will be applied for 23rd August

Link to post
Share on other sites

Cheers texaspete posting now, just got to hang out for all the statements to arrive then plough through them all.

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Well first bit of good news I suppose. Have checked the Royal Mail site and the SARs I sent yesterday has been signed for.

 

At least they have got it now, just have to play there waiting game.

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Well its been a little over 7 days now since Nat West recieved my SAR. Do you think I should make a phone call to chase up the process of my statements, if so is it Joyce I call? I sent the SAR to bishopsgate, or should I call the the Branch?

 

Cheers

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

  • 3 weeks later...

Well recieved first lot of statements yesterday, as others have stated came in a tatty brown envelope.

 

Well early indications show that between 2000-sept2003 total charges of nearly £1200. Just got to hold out for more recent statements to arrive.

 

Will prepare prelim letter.

 

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

  • 2 weeks later...

Just an update:-

 

Phoned up CMS today as still waiting for second lot of statements to be told by the nice lady on the phone that it is out of their hands as they are ordered from Leicester then sent to CMS then to me. She pointed out that this can take three weeks. I told her that the request I sent gave them 40 days and the deadline is the 2/10 and I will be contacting the Information Commissioner and lodging a non compliance to which she said she would take the necessary steps to get the statements by the deadline.

 

So hopefully will get them soon as Im twitching to get the prelim letter off.

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Well the 40 day deadline is now up should I now send the letter for non compliance to show I mean business even though they have assured me the remaining statements are on the way?

 

Think Ive just answered my own question really, sending off tomorrow.

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

  • 3 weeks later...

Well almost had to go to court for non compliance, but final statements arrived this morning. So now have the job of wading through them and to enter into spreadsheet then off with the prelim letter.

 

Phew at least now I feel I have something to do, a long road I know but will stick it out to the end. (Just like the Bandit)

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Hi guys, some help required here. Im claiming the bank charges back for the old man.

Ive been wading through the statements that finally arrived, everything was going fine until I hit 2004.

 

History:-

 

My dad was in a right state in 2004 and got help from the CCS to manage all his creditors this included his bank account which was overdrawn to his overdraft limit. They are still managing his finances to date making payments to all he owes.

 

Now my question is since CCS took over, his statements show credits of £7 - £10 per month but NatWest have been charging him the higher interest rate for still being over his limit now these payments are nowhere near meeting the charges on his account(unarranged/interest). The balance on his account was about £-1300.00 when his account was passed to Credit Management Services, he now owes over £-1800.00 so as long as they keep racking up the charges its going to take a life time to pay it off. Sorry gettin to the questions now.

 

1. Can he claim these charges back?

 

2. Can he also claim back the charge of £30 for a default notice.

 

 

I dont know much about the CSS but I would have thought that since the closure of my dads account the interest would have been frozen along with the charges as an aggreement was made for payment between the CSS and Natwest.

 

Anyway, any help appreciated guys.

 

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Bump

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Well just an update, Prelim letter sent today so let battle commence.

 

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Well yet another update.

 

Recieved reply from the prelim letter, basically telling me to sod off.

 

I like the way that in the second paragraph Mr Higley says " We believe our charges are fair, reasonable and transparent". Then states in another paragraph " the bank is under no obligation to explain how its charges are calculated and we are not prepared to enter into any correspondence on this matter. The compilation is a confidential commercial matter". So much for tranparency.

 

Anyway can I now send LBA, or do I have to wait for prelim to expire? (7/11/06)

 

 

Cheers

 

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Cheers for reply Michael, will give it a few days then send it off.

 

One other question if I may, are there any advantages of using money claim rather than the N1 form.

 

Think I would prefer to use the N1 as you have more scope for details about claim plus court is very local.

 

 

chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Think I would prefer to use the N1 as you have more scope for details about claim plus court is very local.

 

 

Plus you can attache your schedule of charges, don't have to wait for transfer to your local court, court staff will check your N1 and you have the opportunity to ask any questions. Court staff are generally very helpful . The only real advantages to MCOL are convenience and you can follow progress of acknowledgement and defence on-line. But you can always phone the court to find out the current position

Link to post
Share on other sites

Cheers again Michael for reply, N1 it is then.

 

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

  • 2 weeks later...

Well yet another update.

 

LBA sent today, let the games commence.

 

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Another update.

 

Recieved response today for LBA sent on 8.11.06. Standard reply "Will inform legal/litigation dept bla bla.

 

Onto completing N1 form ready for the 23.11.06. Probably need some help on this guys, seen the template in the library but doesn't give details on brief description of claim. Also my parents can't remember when account was opened but suppose that could be a simple phone call.

 

Cheers for any advice guys.

 

 

Chuck

 

PS dont know why my signature isnt displayed anymore??

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Cheers for reply Michael typing up N1 ready for hand delivery to court on the 23.11.06.

 

I take it when I lodge my claim I now use page two of schedule of charges which includes the 8% interest on interest & charges?

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

Yes, if you're now at the stage of filing your claim you do use page two of your schedule and claim the 8% interest pursuant to section 69 County Courts Act 1984.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Ok guys just a little advice on the claim.

 

On the N1 form, page two poc, the amount I enter for charges is for charges only no interest?

(5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £2280.00 and any interest charged thereon) and on page one amount of claim is total charges (2280) plus interest (541.18) but not the 8%.

 

Cheers for replies, sorry if I appear a bit dense but obviously want to get it right.

 

On another note will be popping down to local court for tour today and to arrange to sit in on small claims proceeding just to get a feel for things if it goes all the way.

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

Link to post
Share on other sites

If you're at the stage of filing your claim then this is the point where you can now claim the 8% so should be included in you poc.

 

Take a look at the template for filling out N1 Form.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...