Steve v Natwest

[steve levy]

Hi all.

I have been involved for some time now in trying to reclaim my charges and have so far gone through the letter stages.

Nat West have offered me £268 for a claim of approx £3,000.

I went onto money claim a couple of weeks ago and submitted my claim to the courts.

Nat West have responded to the summons by stating that they intend to defend the case.

I now wait for the defence statement from them.

Must be honest feeling a bit like a fish out of water here, but determined to stick with it as they seem to be taking this all the way.

 

Steve

Hants

[sm03art]

good luck mate.... you will get whats yours in the end.

[VeryTrying]

Must be honest feeling a bit like a fish out of water here, but determined to stick with it as they seem to be taking this all the way.

 

I think most of us felt the same way at first. It was something I'd never done before and was convinced something would go wrong. BUT IT DIDN'T. And it won't go wrong for you either - eventually you will get your money back.

 

And then you will have a taste for it and be wanting to claim back every penny from every card, every bank account, your friend's bank account, your mother's credit card ..... there's no end to it!

 

Good luck.

[gizmo111]

I think most of us felt the same way at first. It was something I'd never done before and was convinced something would go wrong. BUT IT DIDN'T. And it won't go wrong for you either - eventually you will get your money back.

 

And then you will have a taste for it and be wanting to claim back every penny from every card, every bank account, your friend's bank account, your mother's credit card ..... there's no end to it!

 

Good luck.

 

Yes it is a very addictive process, and the site is as well

[gizmo111]

Yes it is a very addictive process, and the site is as well

 

Sorry steve forgot to add have you your own thrad so people can pick up on any hitches or questions you may need help with?

[steve levy]

no haven't my own thread.

how do i do that, and would be more than happy to help.

regards

steve

[steve levy]

Hi all . i have posted info but now can't seem to find it and i could do with some advice please.

I have asked for over £3000 to be repaid and so far they have offered me £268 as a goodwill payment. I haven't taken any money and after several letters i applied to the courts through online Moneyclaim.

 

Two days ago, on the 28th day , before judgement by default could be registered, i received a defence statement, and a request for further info.

I can now see that i may not have completed the claim form correctly.

There are some simple details which i can complete with no problems, however i have a few questions that i need help with.

 

They have asked for the following and i'll write what is written word for word.

 

1. in your claim you state " i claim a full refund of charges which you levied from my account".

2. please provide the following particulars in support of your claim:

 

2.1 To what account(S) ( Giving details of name account and sort code)

were the charges applied.

 

2.2 In relation to each charge alleged to have been overcharged please

identify (a) the date the charge was charged: (b) the amount of the

same: and © the reason(s) given for the charging of the same.

IUNDERSTAND ALL OF THE ABOVE AND HAVE NO PROBLEM WITH THIS.

 

2.3 In relation to each charge the fee identified in response to 2.2 above,

please clarify the following: (a) is it the case of the claimant the same

should not have been charged? (b) if yes; please explain why the

claimant contends that the same should not have been charged? ©

if no; is it the case that the claimant should not have been charged

in this amount? (d) if yes; please explain why the claimant contends

that the same should not have been charged in this amount and

identify the sum the claimant contends should have been charged.

(e) if no; please state the claimants case.

 

3 In your claim you state that the charges are " unlawful at common law statute and recent consumer regulations".

 

4 Please specify all ofthe facts relied on by the claimant in support of

the contentions in paragraph 3 above, and in particular please

identify (a) the particulat statute and/or regulations the claimant

refers to; (b) the sections and/or regulations of each statute/regulation

refered to; and © the principles of common law relied upon by the

claimant in alleging that the charges are unlawful.

 

THE ABOVE POINTS 2.3 AND 4 I HAVE TO ASK FOR HELP WITH AS NOT SURE

 

Since getting this reply i now have had the questionnair sent through by the courts. do i fill this in and send it back straight away? also should i ask for a delay in order to give them more time to settle?

 

As yu can see i'm in a bit of bother with this and would be most grateful if anyone can assist me. :confused:

 

Thank you all so much for your help so far.

 

steve

[Michael Browne]

This is Cobbetts latest scare tactic

 

As the claim, strictly speaking, has not yet been allocated, they can make a CPR Part 18 request, so you must respond. You must also send a copy of their request and your reply to the court. You can, if you wish, respond in full to their request. Alternatively:

 

Dear Sir or Madam:

 

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your defence & request for further information and clarification.

 

I would like to advise you that I am a litigant in person in this matter, and so do not feel that I am adequately qualified to understand or respond to the points you raise in your letter. Consequently, I have decided that I will await the hearing on xx/xx/xx, at which I will ask the judge for guidance on the best way

to respond to you.

 

I anticipate that the claim would be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative

 

However, for clarity, I enclose a schedule of charges and I confirm the charges I am claiming were applied to the following account:

 

Account Name: XXXXX

Account numbers: XXXXX

Sort Code XXXXX

Amount XXXXX

 

Yours sincerely

[steve levy]

thank you for the advice.

i wonder what i should do if my claim amount is different from the amount originally claimed for on the summons.

i see from the defence statement that they say i am time barred from claiming prior to a certain date. I had originally claimed for a few months prior and will need to prepare a revised list of charges. would this revised list forwarded to all parties with an explaritory note in the reply be satisfactory?

[steve levy]

hi all i have claimed from may 2000, but in a defence statement it says im time barred from claiming prior to august 2000.

This now means that the amount i had applied for is different from the amount that cobbets say i should be claiming from.

Can i just do another list of fee with the revised dates and send copies to cobbets and the court?

Or is there something else i should do. It's a difference of about £700 less for me to claim.

regards

shaky

[Bookworm]

3 threads merged, please stay on 1 thread per claim, it makes things easier to follow.

 

 

When did you first start challenging the charges?

[steve levy]

the first letter i sent to the bank was on 27th july 2006.

sorry about using various threads.

[steve levy]

Hi all completed further info as requested , and sent copies to the courts and Cobbetts.

A reply this morning from Cobbetts is now offering me £1,300 . It is my intention to refuse this and continue with the claim through the courts.

I hope that this is the right choice.