Northern Rock

[penguinsmall]

I sent my first letter to the Northern Rock on March 16 and got a reply on the 21st saying, more or less, our charges aren't unfair and you agreed to them when you took the account, tough.

[Janet-M]

Hi that is not unusual , read the FAQ's and just continue at your pace.sticking to the time limits you set them.

[penguinsmall]

I sent my letter before action to the Northern Rock on March 30th. I received a reply, neatly timed to arrive the day before I had said I would make a claim, basically full of legal waffle about my not having been 'concise in detail', saying that the regime of fees is 'unlawful at common law, statute and recent consumer regulations without identifying the common law,statute and consumer regulations I seek to rely on', and advising me to seek legal advice. Adding near the end 'In the event that proceedings are issued without your having provided a substantive response, Northern Rock plc reserves the right to bring it's letters and your failure to respond to the attention of the court in relation to it's costs.'

I would have posted sooner to ask the advice of those who know more of this than I, but my computer packed up and I only got it back today.

[Tinkerbelle]

I hope that you are contuing with you claim!

 

Their letter is just another tatic to put you off. PLEASE don't allow them to do that. It's your money, they acted unlawfully - so now they have to give it back.

[bram stoker]

I've merged your threads. Please stick to the same thread for this claim so we can all follow you story easier and give more helpfull advice.

 

Raise your claim.

Good luck.

[TBeckett100]

I got the same letter this morning asking for further info on the laws i quote and that if before court they await my substative responce or they will use it against me in court.

 

the letter says they wont refund the charges. they had my LBA a week ago which they quote. should i reply to them with more info, leave it or proceed with a claim straight away?

[Michael Browne]

Ignore their letter it's just bluff. Call their bluff instead, stick with the timetable and file at moneyclaim 14 days after your LBA.

 

They won't use anything against you in court, because they won't be there.

[TBeckett100]

The letter from northern cock said no refund would be forthcoming. they want further info from me before court.

 

as they do not intend to make a payment, they will not contact me again before Friday, so what would be wrong in issuing the claim now? they ignored by first letter for 3 weeks and in their letter, acknowledge receipt of both. so in the eyes of the law, they have head since 12th june.

 

it couldnt harm it doing the money claim now could it?

[TBeckett100]

Claim Issued 04/07/2006 For £293.85 - Northern Rock - Claim Number 6qz43613

[turt77]

If they've refused your claim after the LBA, you're fine to proceed with moneyclaim. You've given them plenty of time o consider it and to comply.

[penguinsmall]

I hope that you are contuing with you claim!

 

Their letter is just another tatic to put you off. PLEASE don't allow them to do that. It's your money, they acted unlawfully - so now they have to give it back.

 

I ended up not making a claim as I could not afford the court fees to start one. I have since found out that as I am on working tax credit I don't have to pay said fees. Would I need to start the whole process again from the preliminary letter or should I just bung a claim in? The LBA says within 14 days but it's way past that now.

[spartagates]

I ended up not making a claim as I could not afford the court fees to start one. I have since found out that as I am on working tax credit I don't have to pay said fees. Would I need to start the whole process again from the preliminary letter or should I just bung a claim in? The LBA says within 14 days but it's way past that now.

 

I wouldn't think there is a problem starting the claim now. They most likely think they have scared you off. If anything, they have been given an even longer and more reasonable amount of time to consider their position. I would get the claim started soon as possible, since you are exempt from the court fee, the only thing you have to lose is a little time imho!

[penguinsmall]

I suppose the LBA did say I would start court proceedings without further warning.

I shall get to grips witht the court forms today and let you know how things pan out.

[TBeckett100]

good luck mate, NR acknowledged mine today!!

[penguinsmall]

Well I submitted my claim, no word as yet but as we seem to have ascertained the Northern Rock like to take the long way around things!

[TBeckett100]

they do, I must look a fool keep calling them every day to check my balance and make sure my £1.33 is still in there.

[penguinsmall]

Well, I got a letter this morning to say that they have acknowledged my claim and now we wait some more...........

[TBeckett100]

more being the operative word.

[spartagates]

Any word on how this is going? I assume no news (and requests for further help ) mean NR have settled this claim?

[PhantomReclaimer]

I'm interested in this one too. Sent SAR letter to them on Friday gone. I reckon they owe me at least £1,300 excluding interest and that's without having all my statements to hand.

 

P.

[penguinsmall]

Soz that I've not posted for yonks dudes, deaded computer, now nice and speedy courtesy of the nice folks at Capital One Bank (Europe)plc.

Northern Rock sent me a cheque this morning for £1155.56. According to their letter this represents the total amount claimed plus 29 days interest at 0.29 p. However the total amount claimed was actually £1440.48, they seem to have 'lost' £300 quid.

[penguinsmall]

Well, I had the neck for owt but soap and wrote to the Northern Rock informing them that almost £300 had disappeared into thin air. Just to be sure I also put in a claim at the court for the missing sum. They sent the cheque before they were even informed of the claim so I told the court and the matter is now closed.

OR IS IT?

I heard nothing from them after they settled the rest of the claim on August 29th. They did not threaten to close my account. I tried very hard to not go over my £35 buffer zone limit, but due to a cock up at work concerning my wages I wound up being unable not to. It seems I was charged the 'Authorised Overdraft' fee of £7 for those occasions, even though I have no authorised overdraft facility.

I thought it best to apply for one, as I've been told I may not get paid until the end of November. I had to stand at the counter and tell the teller how much I wanted an overdraft of and why, in front of other customers. I received a letter on Friday 13th saying that they had consulted a credit reference agency and would not give me an overdraft due to the information held.

On Saturday 14th I recieved a letter and a form to fill in saying if I don't return the form withing 30 days agreeing that they can rob me blind as they see fit, they will close my account.

An abusive relationship left me in deep financial crap which 6 years hence I am still trying to extricate myself from. It seems that once they knew I needed an overdraft and would not get an account anywhere else because of my financial situation, they moved in for the kill. For years they allowed me to exceed my overdraft and charged me between £20 and £28 for doing so. Occasionally, just for fun and without warning, they would decide to bounce things that they had previously paid and charge me £30 for each of those. It was always repaid as every penny I have goes through that account. I am a single mother trying to make ends meet as best I can. My record at their bank shows that I have always repaid anything I have borrowed, authorised or not, for a number of years.

I feel like just handing the keys for the house back to the damn bank and giving up. If I sign this, they can screw me for charges til they have back every penny they repaid me and more. If I don't, all I have is a basic account with the Abbey and an inability to pay the bills for basic necessities.

Way to treat a customer of around 16 years Northern Rock.

[spartagates]

Well, I had the neck for owt but soap and wrote to the Northern Rock informing them that almost £300 had disappeared into thin air. Just to be sure I also put in a claim at the court for the missing sum. They sent the cheque before they were even informed of the claim so I told the court and the matter is now closed.

OR IS IT?

I heard nothing from them after they settled the rest of the claim on August 29th. They did not threaten to close my account. I tried very hard to not go over my £35 buffer zone limit, but due to a cock up at work concerning my wages I wound up being unable not to. It seems I was charged the 'Authorised Overdraft' fee of £7 for those occasions, even though I have no authorised overdraft facility.

I thought it best to apply for one, as I've been told I may not get paid until the end of November. I had to stand at the counter and tell the teller how much I wanted an overdraft of and why, in front of other customers. I received a letter on Friday 13th saying that they had consulted a credit reference agency and would not give me an overdraft due to the information held.

On Saturday 14th I recieved a letter and a form to fill in saying if I don't return the form withing 30 days agreeing that they can rob me blind as they see fit, they will close my account.

An abusive relationship left me in deep financial crap which 6 years hence I am still trying to extricate myself from. It seems that once they knew I needed an overdraft and would not get an account anywhere else because of my financial situation, they moved in for the kill. For years they allowed me to exceed my overdraft and charged me between £20 and £28 for doing so. Occasionally, just for fun and without warning, they would decide to bounce things that they had previously paid and charge me £30 for each of those. It was always repaid as every penny I have goes through that account. I am a single mother trying to make ends meet as best I can. My record at their bank shows that I have always repaid anything I have borrowed, authorised or not, for a number of years.

I feel like just handing the keys for the house back to the damn bank and giving up. If I sign this, they can screw me for charges til they have back every penny they repaid me and more. If I don't, all I have is a basic account with the Abbey and an inability to pay the bills for basic necessities.

Way to treat a customer of around 16 years Northern Rock.

 

The other half also got one these letters today. I think you need to take a step back and look at this situation. What does the NR offer you? An account that without an overdraft (and I assume a debit card). Move on. Get a natwest step account. Debit card and direct debits are not a prob. Try A & L. Opended a basic account, did nothing with it and 3 months later they sent me a cheque guarentee card.

 

I implore you to move on. The sooner you do the better. Plenty of banks out there

[penguinsmall]

I didn't think anyone else would touch me with the proverbial ten foot one. I've applied for other accounts and been knocked back before. Thanks for the info dear heart.

[penguinsmall]

In case anyone else needs to know the Rock's MO. I signed their form and returned it to say I would accept their charges until I could sort out another account, which I did. As soon as I began transferring stuff to the other account I got a letter from the Rock saying I had not returned their form agreeing to their charges within the required 30 days and so they were reducing my account to basic status, ie no £35 fee free buffer zone.

 

So, as I now have a letter saying I did not agree to their charges I am reclaiming a further £84 in unauthorised OD charges and £14 in charges for an authorised OD that they refused to give me. Bollocks to 'em!