£8,600 of charges in 42 months

[MARTIN3030]

so you are saying your earliest charge was march 2001 ????????

Dunno what they are on about here then......mst be a temp letter !

[sharongrant1805]

Hi all, been reading your post and you all seem to be doing really well. wondered if you could throw some advice my way, as to the address i need to send the spreadsheet with charges on to for Natwest? Also is there a letter anywhere to accompany the spreadsheet. thanks in advance.

[natwesttookmymoney]

Hi all, been reading your post and you all seem to be doing really well. wondered if you could throw some advice my way, as to the address i need to send the spreadsheet with charges on to for NatWest? Also is there a letter anywhere to accompany the spreadsheet. thanks in advance.

 

Hi, Sharon

 

What stage are you at - initial request for repayment, letter before action (LBA) or filling out the claim form?

 

If it's the initial request, you can send it to your local branch. They'll pass it on to the right department. Be sure to give them only 14 days, though - and specify calandar days!

 

I have found this really useful:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

The whole FAqs section is helpful. It takes a while to read but it answers a great deal and helps to reassure that the job can be done.

[Ant84]

I've been sent the allocation questionnaire in the post today, but I'll really need some help with it as I don't know what I'm doing. If anyone could help me through it could they get in touch please? I'd be very grateful for the assistance.

 

Anthony.

[Ant84]

The POC I sent on MCOL were as follows (unfortunately I didn't see the business POC until I'd already sent it).

 

I have a business account contract with the

defendant bank dated 2000-present, which is

conducted on their standard terms and

conditions. I am claiming the return of money

taken by the defendant in the way of charges

from 22nd March 2001 to 18th April 2006 plus

the interest they have levied on those

charges. The bank's charges are a

disproportionate penalty and therefore

unenforceable as they are contrary to common

law. I have repeatedly asked the bank to

justify their charges but they have declined

to do so.

 

The claimant calculates that the defendant

has taken £11,399.00 from my business account

over this period.

 

The claimant claims interest under section

69 of the County Courts Act 1984 at the rate

of 8% a year from 22nd March 2001 to 26th

September 2006 of £2,367.74.

[walterliscious]

Hi All, this is fascinating reading, I am about to start a similar claim to you Ant84, but I still havent heard of any business customers from NW being successful, please advise before I start on this legal head****!!

[Ant84]

Hi All, this is fascinating reading, I am about to start a similar claim to you Ant84, but I still havent heard of any business customers from NW being successful, please advise before I start on this legal head****!!

 

 

 

I handed in my AQ today, total claim amounting to nearly £14,250.

 

As far as I'm aware, business account holders definitely CAN claim back bank charges. My advice would be to just go for it.

 

I'll look out for your thread when you decide to take the plunge.

[cheddar]

walter please do a search on this forum to read the stories of business claims.

[walterliscious]

Thanks Guys, Ill take the plunge:)

[walterliscious]

And good luck with that amount Ant. I reckon mine is up there too

[Ant84]

And good luck with that amount Ant. I reckon mine is up there too

 

Cheers Walter.

 

Don't be daunted by the amount of money you're claiming when you've calculated it all. The banks can't risk going to court and losing just for the sake of trying to successfully defend a single claim.

[dolfos]

Cheers Walter.

 

Don't be daunted by the amount of money you're claiming when you've calculated it all. The banks can't risk going to court and losing just for the sake of trying to successfully defend a single claim.

 

Your looking good glad to see update wondered what was happening. I am at LBA stage now and no response at all yet (how rude!) so think will be putting in claim too.

 

Goodluck will keep watching!

[gettin'evil]

can i just say that is the most ridiculous amount for someone to be charged! its obscene .. go for it. Good luck.

 

J.

[Ant84]

Thanks for the comments and support. I handed in my AQ on the 20th November, received Cobbetts' AQ the day after in the post. They're applying to strike out the case, but I have been assured that this is unlikely to happen.

[The cobbett slayer]

Have they given a reason for applying to have the claim struck out?

 

I had Cobbetts AQ back the other day for my claim of £22k and they haven't applied for anything other than allocation to the multi track.

 

Paul

[Ant84]

Have they given a reason for applying to have the claim struck out?

 

I had Cobbetts AQ back the other day for my claim of £22k and they haven't applied for anything other than allocation to the multi track.

 

Paul

 

They said I never 'properly particularised my claim', even though I faxed them revised particulars within their 14 day deadline, and also phoned them to confirm receipt of said particulars.

 

I also sent them to the court, so I should have no problems hopefully.

[Ant84]

Received a date for the allocation hearing today, it's on the 14th February 2007, which seems absolutely ages away.

 

I've got to admit, I'm getting tired of waiting for this now. By the time that hearing comes around, it'll have been around 8 months and still a settlement isn't close. Seems like a ridiculous amount of time to wait, since a lot of claims are sorted from start to finish in less than half that time.

[Rimardo]

Received a date for the allocation hearing today, it's on the 14th February 2007, which seems absolutely ages away.

 

I've got to admit, I'm getting tired of waiting for this now. By the time that hearing comes around, it'll have been around 8 months and still a settlement isn't close. Seems like a ridiculous amount of time to wait, since a lot of claims are sorted from start to finish in less than half that time.

 

Yeah I agree but if you do get it surely it'll be worth the wait!!

[dolfos]

Received a date for the allocation hearing today, it's on the 14th February 2007, which seems absolutely ages away.

 

I've got to admit, I'm getting tired of waiting for this now. By the time that hearing comes around, it'll have been around 8 months and still a settlement isn't close. Seems like a ridiculous amount of time to wait, since a lot of claims are sorted from start to finish in less than half that time.

 

Hang in there the bank are probably banking(no ouun intended) on you getting fed up and calling it a day if they waste enough time, it is ridiculous. Have you complained to the FSA? There is a very useful article from the daily mail published Nov 8th regarding the time wasting of banks regarding bank charges and their inappropriate use of the courts to deter people from taking their complaint up I will find thread and post it for you to have a look at.

KEEP GOING

[dolfos]

Heres that link ref article in daily mail:

 

http://www.dailymail.co.uk/pages/dmstandard/frame.html?in_bottom=http%3A%2F%2Fwww.thisismoney.co.uk%2Fsaving-and-banking%2Farticle.html%3Fin_article_id%3D414468%26in_page_id%3D7%26ct%3D5

 

I sent this with HSBC claim so can produce it in court if it comes to it.

[natwesttookmymoney]

The key date is disclosure. If you've been allocate to fast tack or multitrack then there is a date fo disclosure of documents. They have to list everything they want to present at court - which will include justification of their charges.

I doubt they'll want to do that, so hang on - it will be sooner than you fear!

Westy

[Ant84]

I'm thinking of withdrawing this claim and going for the contractual interest. It would put the claim close to £30,000 I think, and I've got a crippling £25,000 debt that needs to be paid.

 

Does anyone think this would be worth doing?

[Ant84]

No one at all with any advice?

[thereshope!]

This is nail biting stuff !

 

come on ant84. Have you reached a decision yet ? . Suspense is killing me lol.

 

Good luck in whatever you decide. Stick with the advice on here and you wont go far wrong.

 

Hope x

[Ant84]

Sorry for not keeping you updated, haven't been on for a while as I'd heard nothing from Cobbett's. Got a letter from them today offering me £7,050 with the usual conditions attached.

 

I want to reject this as they're clearly worried. The allocation hearing isn't long off and they're trying to settle as soon as possible.

 

How do I go about this?