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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
    • Hungary is attempting to be a world power in manufacturing electric vehicle batteries, despite locals' reservations.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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First letter to Natwest on with Royal MAil as I write....


Sarah5318
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I love this website and I am so looking forward to taking on the (b)!?**ankers! After reading so many horror and success stories, I have decided to take on the Natwest and the Alliance and Leicester. My preliminary letters will go tomorrow; luckily I have all my statements for the last however many years so I don't have to pay either of them a DPA fee. Cannot decide whether to take on my old car finance company but I shall see how it goes.

 

Anyway, best of luck to everyone; don't let them walk all over us!

LOL, Sarah

 

Natwest - Preliminary letter for £1453.00

Alliance & Leics - Preliminary letter for £240.00

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Hi

 

Welcome to the forum, the more people we have on board the more strength we have in our continuing fight against these unlawful charges.

 

All the best with your claims. Please keep us informed of your progress, and remember that we are all in this together. If you meet any problems, or have questions that are not answered elsewhere (and most have been), please post them to the forum.

 

 

 

 

 

 

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I have sent my first letter to the Natwest today (track and trace of course). Luckily I do keep all of my statements however I was shocked to learn that they have taken £1453.00 from my bank account in the last three years. What is more annoying was the fact that we were so badly off we couldn't afford our bills never mind the charges.

 

Anyway I will keep you all posted about how I am getting on.

Sarah5318

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Good luck!

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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Just received my standard letter from Natwest thanking me for my letter and apologising for any dissatisfaction caused by the charges to my account etc etc...... Oh well; looks like I go to the next step then!

 

Will keep you posted!

Sarah5318

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Just received my standard letter from Natwest thanking me for my letter and apologising for any dissatisfaction caused by the charges to my account etc etc...... Oh well; looks like I go to the next step then!

 

Will keep you posted!

Sarah5318

 

Not yet, unless the deadline you gave them has passed?

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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nps!

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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  • 1 year later...

Hi All,

 

I don't know if anyone would be able to help me with this however I have to send in a Statement of Evidence to my local court and I notice that one of the documents I need to attach is a bank charge notification letter. I cannot seem to find any because I moved house and I think they have been lost in the move. Would a blank one from someone else suffice and would anybody be able to help me with this?

 

I look forward to hearing from anyone who can help me?

Regards,

Sarah5318

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Hi folks,

 

I just wondered if anyone would be able to help me? I have received my court date to face NatWest on 23rd October and I needed a little help with the directions that the judge has ordered. They are as follows:

(a) A schedule of charges etc etc - have got this so no problem

(b) Copies of statements etc etc - have got all these so again no problem

© A statement of the Claimants own evidence - I have used this one http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/36692-peter-rabbit-barclays-success-2.html as Cobblers defence is based on the fact that I have not properly particularised the claim and so on. However the thing that I am a bit confused with is the fact that the judge has ordered that "decided cases and other legal materials should not be filed but brought to the hearing with additional copies for the Court and opposing party". Is this good? I am assuming it is because it means I have to print and photocopy less however it has thrown me a bit because it seems that there isn't a standard case as such because each judge orders differently.

 

I was hoping that someone would be able to confirm that I have used the correct statement of eveidence and also if they could let me know what I have to leave out of my court bundle if anything or will I just send everything that is in the zip file?

 

Looking forward to hearing from someone!

Many thanks,

Sarah5318

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Hi Sarah,

 

I haven't looked at the above SoE, but you may want to compare it with post #49 in this thread here http://www.consumeractiongroup.co.uk/forum/natwest-bank/90742-natwest-terms-conditions.html. Also, have a look at post #31 on the same thread as Steven's written about natwest's t&c's and why they're penalty charges (every little bit of amunition helps!)

 

Have a look through here as well GOT A COURT DATE? A guide to the later stages as it explains what to take with you (as part of your documents/decided cases/legal materials) given the directions that the judge has ordered. You're basically putting a 'mini-bundle' together as opposed to the whole shabang, but the thread above explains what to include.

 

Hope that helps - post back if I've just confused you more though!!! ;)

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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Thank you so much for your help!

 

I think I needed some confidence that I was on the right track!

Anyway will get everything sent off tomorrow and thanks again!

Sarah5318

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My pleasure! Sounds like you're doing absolutely fine!

 

Best of luck Sarah ;)

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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  • 11 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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