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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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    • Hello,

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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Charges Made Me O/drawn And Ate Up My Dss Benefits


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Nice!!!

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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Here is the origional leter to send to the bank going back to the origional post and taken from the advice given by another memeber already who kindly added it to the forum some time ago, apologies for note giving him personal credit..RBT or something his name was..oops!! sorry..lol......

 

 

{Their name and address}

[Your name and address}

[Date}

RIGHT OF APPROPRIATION

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

I am writing to inform you that I am due to have a {Tax Credit payment }of £xxx paid into my account on xx/xx/xx, and I wish to use my first right of appropriation for this money, for the following purposes;

Rent £xx

Utilities bills £xx

Housekeeping money £xx

I will withdraw the money on the day that it is deposited for the above use, and I would be grateful if you would ensure that any other payments out of my account do not interfere with this withdrawal.

 

Yours faithfully,

 

[signature]

 

[print name)

 

{you can add this too if you want}

Social Security Administration Act 1992

Certain benefit to be inalienable **

 

187- Subject to the provisions of this Act, every assignment of, or charge on-

(a)benefit as defined in section 122 of the Contributions and Benefits Act;

(b)any income-related benefit; or

and every agreement to assign or charge such benefit shall be void; and, on the bancrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors

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Morning all

 

Thanks for all the info. think they're trying to intimidate me again (IT WONT WORK!!!!). Phone call this morning from NW's Debt Management about loan repayment....told them that I deposited enough money to cover this months repayment and that I am NOT willing to discuss anything with them over the 'phone (will follow up with letter to that effect) and complaint to powers that be...

 

DSS benefits are no longer paid into NW account, but I will deposit just enough to cover loan repayments and not a penny more. They can def' stick that int there pipe, and anywhere else that will cause them maximum discomfort!

 

NB: I am going to distribute the info about DSS benefits (Social Seurity Act stuff above) and letter of appropriation to EVERYONE I know who's on benefits. The Banks are abosolute **** to think they can snatch Benefit payments. It's a disgrace....can't help thinking of the people I read about who have commited suicide due to crippling bank debts & charges

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Morning all

DSS benefits are no longer paid into NW account, but I will deposit just enough to cover loan repayments and not a penny more. They can def' stick that int there pipe, and anywhere else that will cause them maximum discomfort!

 

Good move on the benefit bit8)......and right on, on the discomfort, bit:lol:

You stick to your guns, just lurve the fighting talk!!!!!

  • Haha 1

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Just a quickie

Recieved copy of defence from COBBETTS (AKA Cobblers :p )will come back with Q's once I've read that later....

 

Have had more calls texts today and a call from colllections centre which they ended when I informed them I was recording the call!!!!

 

Have prepared 'phone harassment letter' above and letter quoting Social Security Act' and relevance to bank charges.

 

Am thinking of offereing to make a monthly repayment of £10 topay the loan not covered by Loan Protector insurance (was also advised by Citizens Advice Bureau)

 

But wondering if NW will try and deduct from the amount I'm claiming for unfair charges?

 

Any Ideas?

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If they don't counter-sue, they will have to pay the full amount ordered by the court (or you accept in settlement). If they pay it into your NW account they will be able to offset any borrowings you have against it.

 

But bear in mind - if they do reduce your debt to them, you'll have less to pay them, ultimately.

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Oh what fun we had when I took the 'Telephone Harassment' letter to the branch this afternoon....tell you about that another time...

 

Got the Defence from Cobbetts, I'm hoping it's the usual stuff we all get, but I'll precis it just in case. Would you mind telling me what you thinK...

 

1) They state ...'the Particulars of Claim do not disclose reasonable grounds for bringing a claim....to recover bank charges (and interest thereon)....in the event that the claim is not properly particularised then the Def' will apply to strike out the claim and/or for summary judgement in respect of the same.'

 

2)On allocation the Def' invites the Court to direct that there be a case management conference in order for the court to considermaking appropriate orders.....to give the Claimant the opportunity to properly particularise the claim.

Is this supposed to scare me?

 

3) No admissions are made as to what charges have deen debited to the Claimants bank account

Er, I could give them an updated spreadsheet....

 

4)Re' ...allegation that the contractual provisions pursuant to which the charges have been applied are uncenforceable by virtue of the Unfair Contract Terms Act ("UCTA 1977").....blah, blah, blah

 

then they ask me to "identify the sections" of the above act that i have based my claim on, AND the contractual provisions that I allege are invalid by reference to the UCTA etc...

 

And that until I do that they are unable to plead to the allegation, and because of this the Def' denies that they are liable...

 

So basically they don't know why I have brought the claim, are unaware of the legal basis of the claim, and are unable to understand the relevance of the stated regulations and wont admit that they have taken any charges from my acc' and until I help them to understand where they have gone wrong, they are denying everything...

 

OK so I'm just going to write to Cobblers and acknowledge receipt of the Defence and wait for the bank to send me another copy of Defence along with the Allocation Questionairre.....

 

I wonder how much NW pay Cobblers to retain their services....

 

 

 

 

Hi Westy,

 

just saw your reply when I posted the above,

That was what I was wondering, but I think it is reasonable that they issue payment (cheque) for the full amount claimed...I would argue that the loans are separate and therefore they shouldn't be able to deduct anything from what isessentially my money....of course I would pay them what is owed but until they refund the charegs I can't afford to ( I can barely pay for food and fuel at the moment).....

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Hi add-enuff,

Read through their defence and by-joe if it is not word for word the same as mine. Pretty std blabbering and nothing to worry about, me thinks.

 

On good advice, I chose to ignore this and file my AQ as planned. Natwest happened to mention that 'the Particulars of Claim do not disclose reasonable grounds for bringing' again in their AQ (as if one load of dribble isn't enough:rolleyes:)

I am currently waiting on the judge to instruct me to further particularise my POC or tell them to go to hell. The latter is the best by all accounts, but just incase, I have extended my POC to suit. Which I will be happy to fwd to the court if necessary.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hi, ad-enuff

 

Understand your position - I was merely advising you what the position is if they pay straight into your bank a/c.

 

Their (non)-defence. It's exactly the same as I got. As far as I can tell, you didn't file through MCOL, you did it in person at your local court. I presume you properly particularised your claim, included the spreadsheets and didn't just file the brief particulars on the front page of the N1?

 

Have a look at the latest 2-3 pages of my thread for my responses and confirm if you did file full particulars.

 

Best

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi Westy, Hi Muggins

 

Sorry if I sounded a bit short folks, didn't mean to....up to my neck in debt and the jokers at NW are winding me up again by text etc. Good thing you mentioned the Particulars of Claim, I did include them in detail on reverse of N1, BUT have just realised that I don't have a copy....will get one from the court today, just to make sure. Will wait to see what Cobblers have to say next.

 

Thanks again for the advice, I do appreciate it....even if I do sound like a grumpy old grinch sometimes...:o

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I understand. Sure Muggs does, too.

 

Have a look at the response I made to their defence, both immediately (p 137 p7) and with the AQ. There may be useful info there. If you need to ID the terms and conditions and arguments thereto, let me know. I thought I'd posted them up but it appears I haven't.

 

Best

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Don't mention it, we all have our grumpy days;)

 

Westys' knowledge far surpassess mine, even I'm inclined to listen to him more, after all both he and Allyxia have taught me all I know:D

 

If they are still hassling you, even after you've sent the harrassment letter, then do as it states..'IIf you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine'. I'm sure it will soon stop!!!!

 

Keep the faith,

muggs xx

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Westys' knowledge far surpassess mine, even I'm inclined to listen to him more, after all both he and Allyxia have taught me all I know:grin:

 

 

Why thankyou??

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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Why thankyou??

 

Ooops, and deller, sos:oops:

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Thank you on mine own behalf.

 

So you should apologise to Deller - I haven't even SEEN 11 pips before, never mind 11 attached to one person!!

 

(We are not worthy! We are not worthy!)

 

:D

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Incompetence or Bullying?:-x

 

Received letter from NW customer 'care' dept on Fri promising to stop the texts and phone calls (in response to my letter telling them I reported them to OFCOM and OFT).... but another text & silent phone call on Saturday and one just now (in the middle of Coronation St!) to tell me that my acc' was overdrawn and to know when I was going to pay them the money "I owed them" and to 'reassure' me that the calls would stop.

 

Advised them that the acc' was OD because they had taken charges and suggested that they bear in mind The Police would view the repeated calls as Anti Social Behaviour and that in addition to my complaints to OFCOM etc I would make a complaint to the Police if they stupid enough to call me again...Arrrrghhhhh!!!

 

Apparently they have transferred my acc' to their Debt/Credit Management Dept' who will be contacting me by.....wait for it....PHONE!

 

I am under no illusions that I am dealing with an incompetent bunch of wannabee gangsters and Cowboys!!

 

Interesting, I got the girl who called me so flustered that she said that NW were so innundating with claims re' unlawful bank charges that they have set up a special dept' just to handle the claims and complaints and they were having to work longer hours and had been pulled off other jobs to work in the call centre....I advised her to join a union, she said the union was unhappy about the way staff were being dumped on as a result of complaints etc.....do I detect a whiff of dissent in the NW ranks?

 

I hope so a strike would put a smile back on my face!!!!!

 

Oh by the way have written to Cobbetts acknowledging defence so will twiddle my thumbs until I hear from the court...

 

How is everyone else getting on?

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OMG Nattie do you work for them? :eek:

 

Now I feel all guilty for my sarky tone on the phone just now....God I hope I haven't spoken to you...It wasn't personal...but she did call when I was watching Corrie even my best mate wouldn't do that :wink:

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OK this is the only time I'm gonna ask, but why are you here?

 

Conflict of interests?

 

Banking Super - Hero: fighting from inside the mouth of the monster for the good of little people?

 

I'd put my money (if I had any) on the latter:) You seem like a sweetie!

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i have answered this question many a time, and I am sure I have given a million and one reasons. The fact i am here helping even though I have no charges to claim shows that not all Bank Workers are the way that some people perceive them. I am still and always have been a believer in the NatWest brand and its people, that may well not change. Hope that answers the question. I also hope people do not jump on you either as people are protective of me on the CAG

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I DID say that my guess was that you were here for the 'little people' like me who are trying to be treated fairly by the banks... I don't think you have been on the receiving end of / responsible for one of my ill-tempered 'phone conversations with the bank....But who knows? If you have, apologies. But I still want my money back. I got a whole heap of abuse when worked for the DSS Counter Service issuing giros (in the 1980's) but I left when I had a crisis of conscience: I wondered how somone was supposed to live on £36.00 per week. So I went to work with homeless people (in the days when you could chop & change jobs)...but that's another story.If people want to jump on me, so be it. I asked a genuine Q and you gave me a straight answer. Which I respect.

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I think the answer to the question that everyone has been asking good 'ole NATTIE, is apart from being the salt of the earth, is that he does want to go to heaven someday:D

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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I think the answer to the question that everyone has been asking good 'ole NATTIE, is apart from being the salt of the earth, is that he does want to go to heaven someday:D

 

And you're a sycophant!

 

:D:D:D:D:D

 

Currying favour with those in the know, Muggs? I admire your taste in friends!!

 

Love

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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