ssmmdd vs. NatWest ###won###

[ssmmdd]

Got a reply from NatWest (apologies in my lateness of posting it, been busy):

[name] (#1)

[address]

[address 2]

[city]

10-May-2007

 

Dear [name], (#2)

 

Thank you for your recent letter regarding charges applied to your account

 

We are currently investigating your claim and will respond to you as soon as possible. (#3)

 

Yours sincerley

 

[hand-written signature that's been printed]

 

Stuart Higley

Customer Relations

Notes #1 & #2 - Spelt my last name wrong. :/

 

Note #3 - How long is as soon as possible?

 

What do you think? It's been over 14 days, in fact they've had almost three weeks - should I send the Letter Before Action?

 

Cheers.

[monkey_uk]

Of course you should send the LBA. You set the deadlines, not them!

 

STICK TO YOUR DEADLINES!!!

[ssmmdd]

I'VE BEEN BUSY!!1

 

Ruddy work.

 

Right, LBA going by Recorded tomorrow.

 

Cheers monkey_uk!

[ssmmdd]

They've charged me again since I sent the first letter - should I just update the amounts, or include a paragraph explaining what I've done and why?

[Parkvale]

As long as you have not filed at court. You can amend your claim for nothing at any time. Do as you say and update your claim to them.

[ssmmdd]

Cheers Parkvale! LBA sent by Recorded Delivery (Very happy to spend 70p to get £2k+) on Saturday.

[Parkvale]

Onwards and upwards now. Good luck.

[ssmmdd]

Well, they've recieved it. Had nothing back yet thou. *sigh*

 

* ssmmdd waits some more.

[hedgey06]

Hi mate, what date did they sign for the LBA? xxx

[ssmmdd]

Royal Mail's Site:

Your item with reference was delivered from our BOREHAMWOOD Delivery Office on 22/05/07

[hedgey06]

In which case, I'd say get ready to file either N1 at your local county court or MCOL on 6th June (gives them a day's leeway........ but that's being nice!!!!)

 

Start having a read through here Moneyclaim and hardcopy claim compared

just to decide which way you want to go next. And don't worry, we'll help you out every single step of the way with this!

 

Fingers crossed for you, good luck - hedgey xxx

[ssmmdd]

Hmmmmm, it seems better to use the 'Small Claims Court' one.

 

I'm also wondering if I am exempt from paying the Court Fees as I'm on Housing and Council Benefit - anyone know about this?

 

I guess I fill in the Forms on this page here ?

[hedgey06]

Totally with you on the county court issue, I did exactly the same! This will help to prepare you if you want to go down this route N1 Claims form in .PDF format with form filling and 4. Particulars of claim - N1 - hard copy version

You may be exempt from the fees anyway, see here http://www.consumeractiongroup.c o....t.html?garpg=9 for furthe info. If definitely pays to be prepared!!! xxx

[ssmmdd]

Cool, cheers for your help hedgey, left you good rep.

[hedgey06]

My pleasure!

[ssmmdd]

Hey guys.

 

I'm currently filling out the 'Application for a fee exemption or remission (ex160)' Form, and am stuck on the following bit:

 

'1d The title or number of the form that you would like the court to issue

Please give details of one form only'

 

I'll assume I keep the following one:

 

'1c The case number or claim number (if you know it)'

 

as I don't know the Case/Claim Number?

 

Cheers for the help!

[Michael Browne]

'1d The title or number of the form that you would like the court to issue

Please give details of one form only'

Form N1

[ssmmdd]

Cheers Michael!

[ssmmdd]

Bit stuck on the N1 Form:

 

Charges £xxx.xx - I put my charges total here, yeah?

Overdraft Interest £xxx.xx - The 8% Interest, right?

Interest under s.69 County Courts Act 1984 £xxx.xx - What on Earth is this?

Court Fee £xx.xx - Rather obvious.

 

TOTAL £ xx.xx - As above.

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just. - *confused* ;(

[Trish76]

Charges £xxx.xx - I put my charges total here, yeah? Yes, Charges Total

Overdraft Interest £xxx.xx - The 8% Interest, right? No, this would be any overdraft interest you wish to claim back.

Interest under s.69 County Courts Act 1984 £xxx.xx - What on Earth is this? This is the 8% Interest.

Court Fee £xx.xx - Rather obvious. The court fee depends on the amount you are claiming.

 

TOTAL £ xx.xx - As above. Yes, total of all the above.

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just. - *confused* ;This is correct, (Charges Total + OD interest) x 0.00022.......don't include the 8% interest when calculating this figure.

[ssmmdd]

I'm not so bothered about the Overdraft Interest, so do I leave the following out:

 

'Overdraft Interest £xxx.xx'

 

and

 

'Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just.'

 

Cheers muchly for the help.

[Trish76]

Yes you leave out the Overdraft Interest part, but the section regarding Section 69 of thr County Courts Act should be included. This is the daily rate your claim grows by from filing at court date right through to settlement date. You are perfectly entitled to this so claim it....

[ssmmdd]

Ah! Superb, ta! I did charges x 0.00022 and put the answer to that in there.

 

Cheers Trish!

[Trish76]

No problem, glad to be of help....

[ssmmdd]

I just hope it's right. Once I've printed the Form out, is there a Moderator or someone I could send a scanned copy of the Printed Form so they can check I've not made a hash brown of it?