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ssmmdd vs. NatWest ###won###

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

 

STICK TO YOUR DEADLINES!!!


If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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I'VE BEEN BUSY!!1 :p

 

Ruddy work. :(

 

Right, LBA going by Recorded tomorrow. :D

 

Cheers monkey_uk! :D


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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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?


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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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.


A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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Onwards and upwards now. Good luck.


A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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

 

* ssmmdd waits some more.


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

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I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Royal Mail's Site:

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

ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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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 :p


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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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 ?


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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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 :p

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Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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My pleasure! ;)


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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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! :)


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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'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
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Cheers Michael! :D


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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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. :p

 

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* ;(


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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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. :p 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.


If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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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. :)


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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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....:D

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If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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

 

Cheers Trish! :D


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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


If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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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?


ssmmdd. Yes, it's a strange nickname. No, I won't explain why I chose it. You'd laugh at me. :( You would...

 

NatWest: Bank Charges of £2,192 - WON! :D

 

HSBC: Trying to scare me (via Clarity Credit Management) into handing them over £2k on an old (6+ years) loan & Credit Card, they accepted SB, debating on if I should PPI Claim...

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4732 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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