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    • You need a back up plan. If you believe that redundancy is very likely, start looking at other employment options.  Don't leave it until you have been made redundant before looking for new employment. I regularly speak to people who have been made redundant and about mental health. Those who have a positive plan, get into employment quickly following redundancy and manage to maintain their finances. Those who don't have a plan, decide to accept redundancy and a period of unemployment. They end up in a downward spiral, with redundancy money spent, debts accumulated, mental health decline and difficulty finding new employment.  
    • Interested observer here as I'm in a similar situation. People become conditioned into seeking and maintaining a perfect credit score/file, but if your situation is that you're unlikely to obtain further credit for the foreseeable future anyway due to your other outstanding debts, then tanking your credit file now won't make a difference other than you've took back control of your finances.
    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
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      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.

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John V Natwest


JohnLewis9857
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Hi all

 

I have all my statements and worked out all charges and interest and done a prelim letter asking for my money back but now I'm unsure where to send it. Do I send it to my own branch or to Sir Fred Goodwin GCEO in Edinburgh or to someone else. Please can you help?

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  • 2 weeks later...

Please can anyone tell me whether there is a quick way of finding my own thread without having to search through the many pages? Thanks

 

It's now 11th Oct and still not heard a word from NatWest. 28 days is up on Monday so will fill in N1 and take it to court on Tuesday.

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  • 2 weeks later...

Decided on 18/10 to write to HO Bishopsgate and enclose copies of Prelim and LBA letters and tell them no replies from Branch and given them one more week before going to Court.

Exactly one week later, today received standard letter from Stuart Higley in Borehamwood which began with an apology for not receiving replies from Branch. He has taken this up with Area Manager to ensure Branch responds fully and promptly to complaints.

Anyhow, definitely off to Court tomorrow to serve papers on them!

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Good luck John, I'm about a month behind you (natwest recieved my prelim letter today) and i'll be following your thread closely

 

Gimme xx

GIMME -Vs - NatWest

 

S.A.R sent with £10 fee (9-10-06) ***

Statements Recieved (19-10-06) ***

Preliminary Repayment Letter sent R/D (24-10-06) ***

Royal mail confirmed delivery to Natwest (25-10-06)***

 

Email and Phone call to the office of Rt Hon. John Hutton, Secretary of State, spoke to his private secretary Fiona Stone (26/10/06).

Email to Jack McConnell MSP (First Minister) (26/10/06)

Email to Jo Swinson, Local MP (26/10/06)

 

 

Email to Rt Hon. Gordon Brown MP (26/10/2006)

(((L.B.A to be sent on (8-11-06) )))

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  • 2 weeks later...

Update:

Received Acknowledgement of Service today (Thurs 16/11) from Cobbetts.

It was unsigned and states Natwest will defend all of claim.

I am claiming for £1698.36 + 8%

The filing of the Acknowledgement of Service allows the defendant 28 days from the date my Particulars of Claim were served to file a defence or contest the Courts jurisdiction so........ I'm back playing the waiting game!

Will the next correspondence be from Cobbetts or the Court?

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Update:

Received Acknowledgement of Service today (Thurs 16/11) from Cobbetts.

It was unsigned and states NatWest will defend all of claim.

I am claiming for £1698.36 + 8%

The filing of the Acknowledgement of Service allows the defendant 28 days from the date my Particulars of Claim were served to file a defence or contest the Courts jurisdiction so........ I'm back playing the waiting game!

Will the next correspondence be from Cobbetts or the Court?

 

More than likely it will be from Cobbetts, probably right at the end of the 28 days offering their defence. Then you'll receive notification of transfer from the court telling you where your will be dealt with.

 

Nearly there!! :rolleyes:

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

 

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