Plucky v NatWest ***WON***

[muggins73]

Oh ok I think im getting there.

 

So I have to photocopy every single on of my banks statements twice. EEEEK

 

Correct me if I'm way out of line here, but me thinks that you do not have to p/c every single one of your bank statements only the pages that actually have any charges you have claimed for on them.

Think of the trees, maaannnn

:grin:

 

Oh, and it is three times

1 x court

1 x cobblers

1 x for your files plus the originals?

[natwesttookmymoney]

I think it is all of the statements, regardless, because any 'missing' pages may show 'refunds'. (Fat chance, I know but you don't want to be caught with your pants down).

 

But I'm willing to be corrected.

 

W

[stan5131]

Plucky. Just follow the advice as given above. They will settle very shortly. We all know that you will not even have to step into a court room.

[muggins73]

I think it is all of the statements, regardless, because any 'missing' pages may show 'refunds'. (Fat chance, I know but you don't want to be caught with your pants down).

 

But I'm willing to be corrected.

 

W

 

Might be right on that one, but you'll also have the originals showing otherwise?

[PLucky]

Thank you phoned the court today and They said it is fine to drop it all in tomorrow. Im doing my bundle now, quite enjoying it sadly enough.

 

Had to get some more reams of paper though haha. Thankfully my printer has a built in photocopier

[PLucky]

Right ive think ive done this all correct.

 

Ive done my Bundle and heres what ive put in it.

 

I hope this is right as i have to drop it into court tomorrow morning.

 

 

 

 

 

Section 1 - Correspondence

Section 2 - Latest Schedule of Charges

- Statements

Section 3 - Case Law Summary

Section 4 - Early day motion form the House of Parliament

-OFT Statement Summary

Section 5 - Dunlop V New Garage

Section 6 - UTCCR 1999

Section 7 - UCTA 1977

Section 8 - SOGA 1982

 

 

edit - forgot to add there are a few letters I have misplaced and can not find anywhere, I have added in everything else, all I can do is hope for the best.

 

The letters I kjnow I havent got are the ones from Northampton court saying my Claim has been served and issued etc

[muggins73]

Looks good to me, lovey. You've included this on a contents page at the beginning with description and page numbers?

I'm in the process of sorting my own out, finally got the court date I've been waiting for.

You might find this link I came across worth looking at.

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-disclosure.html

 

Good luck, mate. With you in spirit.

[PLucky]

Looks good to me, lovey. You've included this on a contents page at the beginning with description and page numbers?

I'm in the process of sorting my own out, finally got the court date I've been waiting for.

You might find this link I came across worth looking at.

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-disclosure.html

 

Good luck, mate. With you in spirit.

 

If imcompletely honest I had glanced at that link but wasnt too sure which bits I needed to use.

 

Im hoping this big fat wad of info should put the shíts up them enough as it is.

 

One thing I have wondered is I am a day after the deadline, I have spokent o the court and they are fine with this. But I still havent had anything from Cobbetts, surely they are supposed to be sending the court and myself something as well?

[muggins73]

Me too, think I'll have to consult master Westy for his input on the link:)

 

Yep, but they usually do everything at the very last moment.

Maybe it's a sign? Maybe they're waiting on your next move before caving in and sending you a nice,fat, sweet smelling cheque. Might be worth adding to your court bundle....

SHOW ME THE MONEY...NOW:D:D

[PLucky]

Haha quality,

 

thanks alot for your help as always Muggins,!

[muggins73]

Pleasure.

Get some sleep.

Be fresh faced and bushy tailed.

Knock 'em dead.

[natwesttookmymoney]

Hi

 

You're missing the OFT statement summary, which you should find in the bundle. Also, if you can find it, the transcript of the ex-Lloyd's top geezer's evidence to the select committee, which has a couple of classics - charges are spread across all activities in order to provide free banking, is one.

 

That's if you have the time and inclination!

 

W

[muggins73]

I think PLucky asked about that earlier on Westy (unless it was another thread I was reading)?:o

 

Where would one find this transcript, might be useful to me for my bundle?

[Michael Browne]

Peter McNamara BBC radio -Sept 2004- sound file & transc

[natwesttookmymoney]

I downloaded and saved the entire page but can't point you to it on the site. the post was by Begredbus. It read:

 

"(bank charges) are going to pay for all the people we have who pursue debt, collect debt, speak to customers and chase payments. The way these charges are arrived at is by taking these total costs and making some assumption about the volume that is going to come through to arrive at the individual charges" (House of COmmons, 2nd report, 25 January 2005, paragraph 50)

Therefore you can understand that charges are very subjective and don't represent the true admin cost!

 

And that's verbatim!!!

 

Full transcript can be obtained from Hansard.

 

Must dash - want to Special D my letter to Cobbetts

 

W

[natwesttookmymoney]

Peter McNamara BBC radio -Sept 2004- sound file & transc

 

thanks, MB

 

I knew I was missing something.......

 

W

[PLucky]

Hi

 

You're missing the OFT statement summary, which you should find in the bundle. Also, if you can find it, the transcript of the ex-Lloyd's top geezer's evidence to the select committee, which has a couple of classics - charges are spread across all activities in order to provide free banking, is one.

 

That's if you have the time and inclination!

 

W

 

 

Hi the OFT statement summary is in there. I put it in Section 4 with the House of Parliment thing. It is up there in my post as well. I've handed it in now anyway so its a bit late to add that transcript but it is somethhing I hadnt heard of before and is very interesting.

[natwesttookmymoney]

Hi the OFT statement summary is in there. I put it in Section 4 with the House of Parliment thing. It is up there in my post as well. I've handed it in now anyway so its a bit late to add that transcript but it is somethhing I hadnt heard of before and is very interesting.

 

"Hi the OFT statement summary is in there. I put it in Section 4 with the House of Parliment thing. It is up there in my post as well."

 

Ah yes, so it is. I must be blind.

 

Another sign of my mis-spent youth, perhaps? Maybe everything the teachers told me was true?

 

W

[PLucky]

Well guess what I recieved today???

A cheque for £1954.29 wahoooo

They even paid me my £100 AQ fee!

Thank you all so much i'm so happy.

They have written on my cheque made payable to "daniel pluckrose in account XXXXXXX"

Is this normal? I have a loan with them for about 1k and I hope theyre not going to try and swallow it up.

[petrafyde]

Well guess what I recieved today???

 

A cheque for £1954.29 wahoooo

 

They even paid me my £100 AQ fee!

 

Thank you all so much i'm so happy.

 

 

They have written on my cheque made payable to "daniel pluckrose in account XXXXXXX"

 

Is this normal? I have a loan with them for about 1k and I hope theyre not going to try and swallow it up.

 

 

I think I saw somewhere else that someone on here managed to talk their bank into accepting the cheque in their name once they'd showed proof that that acct. did indeed belong to them.

 

They do this a lot, I wouldn't imagine they'd swallow it up by demanding fast repayment of a loan though?

[PLucky]

I think I saw somewhere else that someone on here managed to talk their bank into accepting the cheque in their name once they'd showed proof that that acct. did indeed belong to them.

 

 

How do you mean?

[petrafyde]

Congratulations, btw

[petrafyde]

Basically, someone got their payout in the form of a cheque with their acct. number on (to make her pay it into the NW acct.)

 

The amount she retrieved from NW would've been swallowed up immediately by NW who were reschinding her bank services as a result of her claim.

 

She had an acct. with another high street bank, and the teller agreed to cash the cheque once she'd shown proof of the acct belonging to her IIRC!

[PLucky]

Ah right, well My account is in credit. And my loan, well if they ask me to pay it I will, the cheque was going to be used to clear off debts anwhow.

[petrafyde]

Ah right, well My account is in credit. And my loan, well if they ask me to pay it I will, the cheque was going to be used to clear off debts anwhow.

 

You should have no troubles then! Thats what I plan to do with mine, if I get one!