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Big Fight With NAT WEST ***WON***

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If the particulars that you filed are in keepng with all the guidelines and tools from B.A.G. then you should not worry.

Cobbetts are masters of intimidation and they have had lots of practice....unfortunately for them we have also got answers to them.

Dont let them scare you.On the question of them trying to say you are late in your response to them....it can be similarly argued that on a number of well documented cases they too have been very slow to respond when they have been required to do so.

Dont lose any sleep tonight over this ......follow the advice I gave you earlier.

send the temp letter to Cobbetts not the bank with a copy of your schedule


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks a lot for all your help last night guys, your replies and PM's have put my mind at ease.

 

The three letters have been done and attached to my schedule and will be sent tody by RECORDED DELIVERY (no chance of them saying they don't have the info then).

 

With a bit of luck this will resolve my little hic-up!!!


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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Letters posted, time to wait, again, they don't half string this out, you'd think they'd pay up early what with the amount of people becoming wise to the matter, they're only delaying the inevitable.

 

Think I might tackle my Capital One account now only I don't have all my statements so have to go through the SAR stage this time.

 

Does anyone know who I make the £10 cheque payable to and also what address I should send it??


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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Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station street

Nottingham

NG2 3HX

 

Cheque to: Capital One Bank (Europe) plc

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Cheers for that, I'm ready to start my second battle now.

 

Who Next??

 

MBNA perhaps?


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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Received a letter this morning from, yes you've guessed it.......the famous Mr Higley. :eek: (I assume he looks like this having to give back all this money to everyone)

 

 

Thank you for your letter of 29th September 2006.

The offer was made in full and final settlement of your complaint. I am sorry to note that you will now only accept this as a partial refund and therefore regrettably the offer is withdrawn.

I regret that there is little that I can add constructively to previous correspondence 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.

Thank you for letting me know of your intentions.

Stuart Higley

Seems to be a bit of a late response, especially as I filed my claim with MCOL on 1st Oct and it was Acknowledged on 4th Oct.

 

Has anyone else received a letter along these lines?:confused:

 

Does the fact that they've withdrawn their offer mean they're going to take me all the way?:confused:


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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Deller it doesn't mean anything, as you say his letter tells you where to send correspondence when you've already filed your claim, they're just standard letters don't try reading things into them, there's a lot of bluff going on.


NatWest claim filed 7th Sept, acknowledged 13/9, filed judgement by default 12/10/06,defence and cpr18 rec'd 13/10, Cobbetts AQ rec'd 1/11/06, offered £2000 2/11, refusal sent 3/11, cheque recd 18/11 for £3854.54...WON

Natwest 2nd account S.A.R - (Subject Access Request) sent 19/9,request for payment sent 2/11, £165

Ace Cards & gifts S.A.R - (Subject Access Request) sent 19/9, statements received 27/9, request for refund of £259 sent 28/9

***WON Ace cheque received 18/11***

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Thanks for that baldrick!

 

Judgeing by whats happening to other users they're trying a lot of different scare tactics, they're obviously getting very desperate.

 

We don't scare easy:eek:


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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Hi deller1,

I'm watching your progress with interest, Nat West is next on my hit list, So I thought I would just wish you good luck.

Moneydownthedrain

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Good luck to you too!!

 

And everyone else out there grabbing back whats rightfully yours, keep up the good work!!


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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Hi all,

Just wanted to ask a quick question!

Have issued my claim through MCOL and it was deemed served on 4th October, Cobbetts stated they intend to defend which then gives them 28 days. I was just wondering if I should have received an AQ by now as I havn't received anything as yet.

 

Please advise - getting a bit concerned.

 

THANKS

 

DELLER!!!!


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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You won't get the AQ until Cobbettts actually file their defence.

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Does this usually happen before the 28 day deadline? Its just that I've noticed a lot people enter judgement.


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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Hi deller1, I am at exactly the same stage as you - my claim was acknowledged on the 4th October as well! Prehaps we can help each other along the way and compare notes?


Cap One here we go!:p

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Cobbetts usually file at the last minute, but you''ll probably get a letter either making a CPR part 18 request or that their client is 'embarrassed' by the lack of particulars coupled with a threat to strike out the claim or request a Case Management Conference. Have a look through some of the Natwest Success forum threads to get an idea of what to expect.

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yeah i had the same letter about a week and half ago, also off mr higley. claim started so we are about the same stage through

Received a letter this morning from, yes you've guessed it.......the famous Mr Higley. :eek: (I assume he looks like this having to give back all this money to everyone)

 

 

Thank you for your letter of 29th September 2006.

 

The offer was made in full and final settlement of your complaint. I am sorry to note that you will now only accept this as a partial refund and therefore regrettably the offer is withdrawn.

 

I regret that there is little that I can add constructively to previous correspondence 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.

 

Thank you for letting me know of your intentions.

 

Stuart Higley

 

 

Seems to be a bit of a late response, especially as I filed my claim with MCOL on 1st Oct and it was Acknowledged on 4th Oct.

 

Has anyone else received a letter along these lines?:confused:

 

Does the fact that they've withdrawn their offer mean they're going to take me all the way?:confused:


18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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Thanks Michael I'll do that.

 

Hey there Fryster, looks like we're claiming about the same ammount as-well, like you say we'll have to keep each other informed of any progress so we both know what to expect next. Lots of luck!


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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No news today, starting to get a bit anxious as the days go by without hearing anything.


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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Guest Botsy

I'm not with Natwest but my husband is, naturally he has had the usual refusal but he will be taking his claim further. I bank with Nationwide and started my claim in August, I had the standard refusal letters also. On 13th October I submitted my claim for £5,000 to MCOL and on the 18th October they paid half the claim direct into my account, the remainder is being paid by cheque, I have received the total amount of my claim plus £120 court charges of course.

 

I would persist with your claim.

Good Luck!

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Good for you Botsy, and don't worry I will be going all the way!


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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Guest screwloose

Hi there deller, I've been finding your thread a very interesting read. I've been swotting up on all the processes before I start my claim against NatWest, I'll be watching your progress with great interest.

 

Good Luck!

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Hi there deller, I've been finding your thread a very interesting read. I've been swotting up on all the processes before I start my claim against NatWest, I'll be watching your progress with great interest.

 

Good Luck!

 

 

Good for you screwloose, glad to see you're doing your homework first, its best not to rush in and make mistakes, I've made a few myself which hopefully I've rectified now.

 

Good luck with your claim too!


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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Guest screwloose

I've done so much reading of this site my head hurts and I'm a little confused.

I have all my statements already so guess I skip the SAR stage and straight into the Preliminary Letter stage, will be cracking on with this in work tommorrow where I've got access to a printer that works.

 

As soon as I'm up and running I'll start my own thread rather than hijacking yours!

 

Will keep you posted!!;-)

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personally i would still SAR them as this will show if they performed a manual intervention, this will help u later on if it does go to court, as they will not be able to claim that their costs were higher due to that manual intervention.

 

or thats the way i see it at least, if im wrong i hope someone puts me right

 

 

I've done so much reading of this site my head hurts and I'm a little confused.

I have all my statements already so guess I skip the S.A.R - (Subject Access Request) stage and straight into the Preliminary Letter stage, will be cracking on with this in work tommorrow where I've got access to a printer that works.

 

As soon as I'm up and running I'll start my own thread rather than hijacking yours!

 

Will keep you posted!!;-)


18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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Guest screwloose

Ooops!! Too late I've already posted my preliminary letter today, hope its OK???

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