Forteboy v Natwest Bank **WON**

[forteboy]

Hi All,

 

i have today filled in the interest on charges courtsey of the "Vamps" spreadsheet, it showed the interest was £334.06 over £100 more than I had originally planned to request so thanks to livelylad for advising me of this. Now I want to send my prelim letter off to NatWest on Monday, so as to ease my nerves do I send the letter from the templates along with my newly completed sreadsheet. Finally do I send the letter to the customer service department i received my statements from or to the headoffice. Many thanks:grin:

[nathal]

It prob would be best to send to head office(imo) but either, it will reach the correect department eventually

[forteboy]

Hi everyone, as can be seen i have now obtained the figure to claim from NatWest, however it is pretty close to the £5000 limit for small claims, and when the 8% interest is added it will go over the limit:o . Will this have any effect on my claim, will the bank defend more vigorously,I know the banks are in the wrong but I am still nervous about the whole court issue. Any assistance would be greatly accepted

 

Regards

 

Dennis8-)

[Michael Browne]

Interest is not taken in account for the small claims limit, but is taken into account for court fees, which for claims over £5000 are £250

[forteboy]

Hi Michael,

 

thanks for that, but just to clarify it is the claim plus Interest plus Court fees but not the compound 8% interest that sets your final figure. Many thanks

 

Regards

Dennis8-)

[forteboy]

I have finally done it, I have just sent the prelim letter off to NatWest requesteing return of all my money they have illegally taken along with the interest. Roll on my rejection letter and lets get it on.

 

I have been reading lots of threads on this site but i have not found any one who has actually gone to court, is this correct or have I just not found the right thread as of yet. ! more question if i may what is "Mercantile Court" as i have seen various references to this. Once again many Thanks

 

Regards

Dennis8-)

[forteboy]

The Bank have received my prelim Letter today, so as they say in all good Movies "let Battle Commence"

 

Regards

 

Dennis8-)

[forteboy]

Just a quick update, well there isn't one really, no news is good news as the saying goes.

 

Dennis:cool:

[forteboy]

Hi Everyone,

 

At last I am one of the family , I received my first rejection letter from our dear family friend Mr Highley, pretty standard really, don't accept my point of view and wont be returning my money, ah well I will just give up then. Not a chance, Can someone please advise, do I send my LBA tomorrow or do I wait until the 14 days are up any advice would be appreciated.

 

Dennis:cool:

[Deller]

They have responded to your prelimainary letter, so yes you can crack on with your LBA now!!

[Michael Browne]

Forum advice is to wait the 14 days. Some don't without seemingly adversely affecting their claim. So far. Your choice.

[Deller]

Sorry perhaps I was wrong, I've been lead to believe that once they've responded you can carry on.

 

Probably better to follow Michael's advice, he knows a lot more about it than me, and he's certainly been very helpful in my claim.

[forteboy]

Thanks guys, I will leave it to next week then, can not wait.

 

dennis:cool:

[forteboy]

Good afternoon all,

 

I sent my LBA yesterday and again its just a matter of waiting. I wonder what NatWest will do, if they settle on this letter it will be great, in excess of £4500, just in time for christmas, and if they wait till I issue court action then christmas will not be as good for the kids but Daddy will get a nice 42 inch plasma screen with the interest the bank will have to give me, in excess of £1100.

 

I think I will make a start on the court papers on Monday as i do believe christmas will arrive before the money.

 

Dennis8)

[forteboy]

Hi All,

 

just a quick note to say that NatWest have received my LBA this morning so 14 days before court action will commence

 

Dennis

[Deller]

That plasma screen's getting closer!!

[forteboy]

thanks Deller I hope so

 

Dennis

[Allyxia]

Hiya D - Found it!!!

 

 

It will automatically flag up for me now when you post on here so I can keep an eye onit - though it looks like you already having lots of fun here already!!!!

[forteboy]

Hi Ally,

 

thank you for your help, I will obviously keep you all up todate.

 

Dennis

[lil_jo]

Hi Forteboy

 

We're in the same boat at the same time lol ... i sent my LBA to cr*pwest on 8th November, heard nothing yet (no surprise there then ...) I decided to send all correspondance directly to the branch by recorded delivery, afterall, as soon as it arrives the clock is ticking ... and if they have to be a little bit more organised to get the letters / forms etc to the correct deparrtment then so be it ... the clock still ticks. In my opinion, they harp on about having local branches etc, and i've always dealt with my branch directly ... why change now?? lol. My thread is in the scotland forum under "gimme_my_money Vs Natwest" (long story .. had to re-register with a new name as had real problems logging in / password etc)

 

I'll be following your thread closely, good luck!!

 

lil jo xx

[Allyxia]

Dennis Here the linkg to my thread you can see the time line and it willgive you an idea on what to expect when you deal with these mutppets!!

 

Ignore the chatting between and Giz!!!!

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/35643-ok-what-now.html

[forteboy]

Thanks Ally, I received the 2nd rebuff today for my LBA and so now its time to take my demands to court, could someone just confirm how brief the Brief description of the claim should be?

 

Dennis

[chuck2001]

As given to me by Michael Browne,

 

The Claimant had a bank account with the Defendant. The Defendant deducted from the account various amounts of money in penalty charges. The Claimant contends that these charges were legally unenforceable and the Claimant is demanding the repayment of money.

 

I used this on N1 dont know if its the same via MCOL.

 

Chuck

[Allyxia]

Forte - you claiming for a default removal as well arent you?

 

Will send you mine!! via Email - send me addy again I cant find it (PM of course)

[dantracey]

Heyyyyyyyy forte......your hot on my heels lol..im filing mine on 24th which is 14 days from lba..im not giving them any reason to delay or say that i aint kept within time scales..Just read read read bud.....i may be skint for xmas with all this paying out but boy its gonna be worth it...also if i leave till 24th interest will be higer he he he ..

 

Tracey