ragsta vs. natwest

[ragsta]

Hi, first response received im not sure if its different or not , down below

[Guest NATTIE]

Absolute and total rubbish it is £5 for 6 years worth of statements. Regardless. Ask for the £100 refund immediately because that is a very liberal interpretation of the copy statements charge

[ragsta]

hi, just received some statements from one of my natwest accounts. I cant find the address to send my preliminary letter to - The Stuart higley Borehamwood address. Anyone got it? thanx

[Guest NATTIE]

ragsta- can you confirm that you any card misuse charges becuase Student accounts are exempt from this charge. Local branch should be fine for the letter.

[ragsta]

hi, yes i have one card misuse action on one statement of £25.00, but later got refunded. Out of all other cheques (double figures) i only got two £30 fines for 2 cheques and for the rest no fines.

Hand in my preliminary request for fines to the local branch!? havn't read of anyone doing that.

 

thanks for askin.

 

on another note, the loan i got to cover the debt, £2750 exactly, im trying to work out interest. Of that amount £458.41 were illegal charges. Over the last 42 months ive bin payin £55.04 into the loan account and been charged interest every three months. I've just cleared the balance which was about £1050.

 

Should i just work out £458.41 x 7.9% apr (not sure on this- finding out) OR work it out monthly until 458.41 of the loan amount was paid off. Its a bit of a headscrew:confused:

 

thanks for reading

[ragsta]

From Stuart Higley

 

The letter goes, Thankyou/fair and reasonable/ office fair trading doesnt apply to current accounts/Not be refunding .....

 

"having reviewed your accounts, I can find no instance where charges have been applied when the were not properly due. They have all been associated with a lack of covering funds in the account at the time items were presented for payment. Accordingly, the charges that have been applied to your accounts must stand."

 

Banks under no obligation to explain them. Then something about fiduciary not part of banker/ customer relationship, and disspointed about the legal action.

 

They responded quick tho, only sent the Preliminary letter off last wed.

So should i get ready to send my LBA off next Wednesday?

[ragsta]

bumppp

[Guest NATTIE]

yes ragsta

[ragsta]

oh sorry i forgot to write: is that a standard response that anyones seen ?

[Guest NATTIE]

yes

[eddie1lancs]

It's exactly the same as the one we got today, and he is going to get one back in the post tomorrow giving Natwest 14 days before we take them to court for the money that they owe us!! I'll keep an eye on your thread cos' we are at an identical stage, good luck!! Eddy.

[ragsta]

thanks natweststaffmember

 

ah, nice to know that Eddy. Just finishing off my letter now. Good luck back at ya too.

[ragsta]

Hi, does anyone have a particulars of claim for two accounts for mcol. Or if anyone can edit the one on the site:

 

• The Claimant has an account 1234567 with the Defendant, opened May 2000 2. Since 01/02/03 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £XXXX; (b) Interest per S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

thanks

[gizmo111]

You will probably be better off using an N1 as MCOL is very tight to get all the info in. As you have 2 accounts you need to be clear with your POC, as Cobbetts - NW solicitors always try and stall by saying the claims are not particularised anyway.

You can find the N1 info here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html You need to fill it in print off 3 copies and send to your local court with fee.

 

Good Luck