Bazzlad vs Natwest - ***WON***

[Bazzlad]

Advanced state: Received my statements last night am working out the interest and sending it off today.

 

Just wondering.... Who do I send it to? (The request for repayment)

 

 

Cheers,

Rich

[chriswatkins]

look in templates and do the prelim letter, though expect a bog off letter back

[Bazzlad]

Yeah, but WHERE do I send it? Same place I sent my DPA request???

 

Rich

[chriswatkins]

National westminster bank plc,

135 bishopgate,

london,

EC2M 3UR

[Bazzlad]

Sorry to be a muppet, but addressed to whom???

[chriswatkins]

Dear Sir/madam

[Bazzlad]

Cheers mate

[chriswatkins]

your welcome

[Bazzlad]

Received a letter that looks like this, but adds some text about Bank charges NOT being covered:

 

Dear Mr xxxxx,

 

Thank you for your letter of 15th July 2006 and I apologise for any dissatisfaction caused by the application of charges to your account.

 

We believe taht our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff which we are satisfied complies with all applicable laws and regulations. We are also comitted to ensuring the transparency of the information that we give to our customers about the operation of our products.

 

We have considered the Office of Fair Trading's statements of 5th April 2006 and do not accept its findings in relation to the setting of credit card fees. We are concerned that the Office of Fair Trading has publicly called into question the setting of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to Credit Crads and made no attempt to consult with the RBS group or the industry in relation to other entirely different products. Consequently, against that background, we must differ with the views you have expressed and will not be refunding any of the bank charges applied to your bank account.

 

When your account was transferred to out Credit Management Services, a full review of the charges and operation of the account would have been undertaken and no charges were found to have been applied when they were not properly due. They have all been associated with a lack of covering funds in the account at the times items were present for payment. Accordingly, the charges taht have been applied to your account must stand.

 

I am disappointed to note that you are contemplating legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that any proceedings are served on our Registered Office Address, which appears at the foot of this letter.

 

I suspect that this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking the time and trouble to contact us,

 

Yours sincerely,

 

*******

Customer Relations

 

 

Do I send the LBA letter now? Does anyone have the registered office address?

 

 

Cheers

 

Rich

[Guest NATTIE]

Yes Letter Before Action, and the registered office is in the stickie on NatWest contacts

[Bazzlad]

I haven't seen/heard of this one. After my LBA I have received:

 

Dear Bazzlad,

 

Thank you for your further letter.

 

I regret that there is little that I can add constructively to my last letter and note your proposed course of action. I have alerted our lawyers and litigation department accordingly. May I please remind you that the address to use when initiating legal documents is that of our Registered Office, below.

 

Thank you for letting me know of your intentions.

 

 

This is before the 14 days is up. (6 days before)

 

Is it now suing time?

[Bigredbus]

Hi Bazzlad,

 

This is another of their standard letters. I have seen this one in few threads... Normal procedure, just carry on and stick your time line...

[Bazzlad]

Booooooooooooo! So I still have to wait?

Good things come to those who wait. And I can't wait to pay off the overdraft their charges have made me live in.

 

Cheers for the help!

[kydcarmen]

Hi, well if i received that letter after sending the LBA then i would go straight to the court claim. I'm considering doing that as now my bank has breached the banking code and passed my account to a debt collector after receiving the prelim letter.

[Bazzlad]

Ok, it's come down to it. It's been 14 days since my LBA and I have to sue.

What are my next steps?

Their likely response?

and some general advice please!

[Bazzlad]

One of the problems I have is this: I'm meant to fill this in on the moneyclaim site:

 

"I have a contract with the defendant bank dated XXXX and which is conducted on their standard terms and conditions. "

 

I had my account opened for me by my Mother when I was 1 year old. What can I do for this bit? :confused:

[Michael Browne]

Change it to 'I have an account' or date it from when you were 18 or don't worry about it or.....blame your mother

[Bazzlad]

I'll blame Mom. It's her fault for picking Natwest.

[sbb1979]

Change it to 'Claimant has an account with Defendant which is conducted etc...'

 

I'm issuing my Natwest claim tomorrow too so we'll be following the same timetable in theory. Will watch your thread with interest.

[Bazzlad]

Good luck mate. I'll keep an eye on you too...

[Bazzlad]

It begins...

[sbb1979]

Just filed mine too! Good luck!

[Bazzlad]

Race you to the money Loser buys the winner a pint!

[sbb1979]

That's a deal! They even charged me again today because they tried to take a direct debit (from my account to Natwest) out two days earlier than they usually do - so I'm so determined to get it all back from them now! There's no way they're getting away with this one!

 

Good luck!

[carolyndawber]

hi first post on this site, just recieved a letter from natwest solicitor saying they are going to defend my claim. has any one else had this from natwest