Scarletrose V NatWest *** WON ***

[sandbag]

Hi Scarlet - Dr Sand recommends a good read of court bundle then print out 3 times and send to bank and court. Dr Sand also recommends keeping calm and remembering that you will get your money. Dr Sand also sends her good wishes and luck.

Regards Sandbag.

[Guest Scarletrose]

hi Dr sand,

 

thanx for advice computer crashed last night and i was unable to get back on line, thats the reason i left bear garden so abruptly,

 

i will have another look through court bundle later, the last date for there defence is 18yh december, wot can i expect to happen next, as the 18th is on monday, when do i have to send cort bundle off???

 

thanx again Dr. sand

hugs scarlet

[livelylad]

hi Dr sand,

 

thanx for advice computer crashed last night and i was unable to get back on line, thats the reason i left bear garden so abruptly,

 

i will have another look through court bundle later, the last date for there defence is 18yh december, wot can i expect to happen next, as the 18th is on monday, when do i have to send cort bundle off???

 

thanx again Dr. sand

hugs scarlet

 

Ok dont worry, there is a long way before you would need to submit a court bundle> Plus you have almost no chance of seeing the inside of a court, its just better to be prepared. You will revieve a copy of their defence and AQ, complete the AQ and return it to the court with a schedule of charges. Also send a copy of the schedule to their solicitors. Then just sit back and wait for the offer.

[Guest Scarletrose]

thanx so much for advice lively,

 

when will i receive AQ monday???

 

thats the deadline for there defence.

 

wot happens if i hear nothing on monday???

 

thanx again

 

scarlet:confused:

[livelylad]

thanx so much for advice lively,

 

when will i receive AQ monday???

 

thats the deadline for there defence.

 

wot happens if i hear nothing on monday???

 

thanx again

 

scarlet:confused:

 

Ok if you hear nothing on Monday I would file for judgement on Tuesday, please be aware they will almost certainly enter a defence. If they do you will recieve the AQ a few days later this will need to be completed and returned. The template is in the library and its pretty simple to complete. You will need to return the AQ and a copy of your schedule of charges to the court, also send a copy to their solicitors.

[Guest Scarletrose]

thanx again lively, youre a star

 

hugs scarlet

[Guest Scarletrose]

well the deadline for issuing defence was yesterday, as its a sunday ythat makes today the deadline????

 

what will postie fetch me today then, there defence and an AQ form is wot i'm expecting next.

 

will keep yous posted

 

scarlet

[livelylad]

well the deadline for issuing defence was yesterday, as its a sunday ythat makes today the deadline????

 

what will postie fetch me today then, there defence and an AQ form is wot i'm expecting next.

 

will keep yous posted

 

scarlet

 

I would give MCOL a quick call after lunch. They will probably tell you they have the defence.

The Customer Help Desk can be contacted for support between 9:00am to 5:00pm, Monday to Friday on:

Tel : 0845-601 5935

[Guest Scarletrose]

thanx lively, i will do that after lunch, your a star

 

xx scarlet

[alf]

i wouldn't get my hopes up Scarlet, they put in a defence on the last day with my claim, then the AQ arrived a couple of days later, they are buggers for throwing it in at the last minute. I didn't file for judgement, i was advised to send a letter, giving them a futher 7 days to settle, but the day i posted it, i received their defence, i went through mcol aswell.

Good luck

[Guest Scarletrose]

okay postie brought me letter of defence plus cpr18 today, as typical of natwest,

 

however i am now really worried!!!!!!!!!!

 

firstly on the second page of defence it states that i must identify each charge,

 

a) the date it was debited

 

b) the amount of the same

 

c) the description applied to the charge

 

okay i now think 'C' is a problem, on my schedule of charges of which was a template sent to me via a stupid relation, just says " charges as notified " which i assumed meant " with refernce to prelim letter, as notified in prelim letter saying these are charges in relation to direct debit refusals, exceeding overdraft limits "

 

i never itemised each charge with a description does this matter?????

natwest should know the reason for the charge surely.

 

 

secondly the defence is six pages long is this norm????

 

 

 

thirdly " requsest for further infomation and clarification" No.1 this request is served pursuant to CPR 18 rule 27.2 (3) is this normal???

 

 

Forthly i am requested to provide responnce by 28th december 2006, if i cant i have to notify defendants solicitors and tell them when i can respond, What do i do with regards to this???

 

THE REQUEST

No. 1 in your claim you state the return of £2523.00 taken by the defendant in the las 6 years the actual amount at present including mcol fee and 8% interest is £3072.97 does this matter they are quoting a smaller amount?????

 

fifthly the request is 3 pages long is this right.

 

 

lastly wot do i do now????

so guys sorry for being boring but i'm so worried now, any advice or comments would be hugely appreciated, especially to the part where i didnt describe the charge in my schedule, please bear in mind that was sent before i had even heard of cag, so please dont judge me too harshly.

apologies scarlet

xxxxx:p

[livelylad]

Pretty standard rubbish from cobblers dont panic. This will help lots

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html

 

okay postie brought me letter of defence plus cpr18 today, as typical of NatWest,

 

however i am now really worried!!!!!!!!!!

 

firstly on the second page of defence it states that i must identify each charge,

 

a) the date it was debited

 

b) the amount of the same

 

c) the description applied to the charge

 

okay i now think 'C' is a problem, on my schedule of charges of which was a template sent to me via a stupid relation, just says " charges as notified " which i assumed meant " with refernce to prelim letter, as notified in prelim letter saying these are charges in relation to direct debit refusals, exceeding overdraft limits "

 

i never itemised each charge with a description does this matter?????

NatWest should know the reason for the charge surely.

 

Just send a schedule of charges with each charge listed, type and amount.

 

secondly the defence is six pages long is this norm???? Yes its designed to scare you.

 

 

 

thirdly " requsest for further infomation and clarification" No.1 this request is served pursuant to CPR 18 rule 27.2 (3) is this normal??? Yes the link above explains this

 

 

Forthly i am requested to provide responnce by 28th december 2006, if i cant i have to notify defendants solicitors and tell them when i can respond, What do i do with regards to this??? Just respond with the letter in the link above and a schedule of charges.

 

THE REQUEST

No. 1 in your claim you state the return of £2523.00 taken by the defendant in the las 6 years the actual amount at present including mcol fee and 8% interest is £3072.97 does this matter they are quoting a smaller amount????? As long as your figure are correct this is what they will have to pay to settle the claim.

fifthly the request is 3 pages long is this right. Dont worry

 

 

lastly wot do i do now???? You need to send the letter regarding their CPR request along with a schedule of charges. Martin has done the letter in the first post on the link above just amend the bank name to suit.Then sit back and wait for their offer.

 

 

so guys sorry for being boring but i'm so worried now, any advice or comments would be hugely appreciated, especially to the part where i didnt describe the charge in my schedule, please bear in mind that was sent before i had even heard of cag, so please dont judge me too harshly.

 

apologies scarlet

xxxxx:p

[Guest Scarletrose]

thanx lively so much

 

but wot about the fact i didnt itemise the charges with a description????

 

i dont wanna mess it up now

 

hugs scarlet

[livelylad]

thanx lively so much

 

but wot about the fact i didnt itemise the charges with a description????

 

i dont wanna mess it up now

 

hugs scarlet

 

on the schedule of charges list them as unpaid DD etc. do you have the statements?

[Guest Scarletrose]

yes lively i do,

 

 

but wot should i do now send a revised schedule of charges with the reason for the charge to cobbetts with the standard cpr18 requst letter???

 

and to the court or just leave it as it is????

[livelylad]

yes lively i do,

 

 

but wot should i do now send a revised schedule of charges with the reason for the charge to cobbetts with the standard cpr18 requst letter???

 

and to the court or just leave it as it is????

 

Ok send the schedule with the discription of the charges and the letter regarding CPR 18 to the cobblers. Send the court the revised schedule of charges.

[bustle]

Don't worry too much Scarlet, I received exactly the same this morning. (defence and CPR 18 request)

 

 

Gonna have my dinner first then will read up on what we got to send back!

[Guest Scarletrose]

thanx bustle let me know wot you come up with

 

scarletxxx

[bustle]

Ok, it looks like we just send the standard template response to the CPR 18 request found under the 'FAQ's' section along with a copy of the schedule of charges as they state, ..."unfortunately this has not been received by us..."

 

Well, that's what I will be doing anyway.

[Guest Scarletrose]

hi guys,

 

just to keep thread updated, i received AQ yesterday 21st december 2006, so will be looking into that now after xmas as i am really busy now and skint.

 

scarlet

[livelylad]

hi guys,

 

just to keep thread updated, i received AQ yesterday 21st december 2006, so will be looking into that now after xmas as i am really busy now and skint.

 

scarlet

 

Hi Scarlet what is your submission date?

[a2222]

I got my AQ yesterday..... there is something in the natwest junk that says they need a response by 2nd of Jan so be careful date wise...

[livelylad]

I got my AQ yesterday..... there is something in the NatWest junk that says they need a response by 2nd of Jan so be careful date wise...

 

 

CPR part 18 request by any chance?

[Guest Scarletrose]

cpr 18 request to be responded to by 28th december

 

AQ to be completed by 6th January 2007

 

scarlet

[gizmo111]

Well just a letter to them refusing the CPR - make sure you get AQ in on time.