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    • I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
    • What you've said isn't helping. Please post up a redacted version of the appropriate section of the court papers.  HB
    • Oh, yeah. The law I’m charged with is riding underground without a valid ticket said by SJPN Student Union can’t provide any help, I have contacted them
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NatWest settle at last ...


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The suggested particulars of claim above is not the best template to use. There is a new template for a Moneyclaim which has been put into the library section with the templates.

 

You should refer to that example and also the instructions and checklist which accompany it.

 

However I am quite sure that even if you take extreme care you will still get these letters from Cobbett's and other solicitors.

 

Make no mistake that the banks are conducting sham litigation. If they were claimants they would be judged to be vexatious. Cobbett's strategy is impoverished and is designed to weed out the feint of heart and those who are not properly prepared.

 

I am quite sure that they are achieving quite a good rate of claims being abandoned people accepting reduced settlements.

 

If you received a letter from Cobbett's or other solicitor then my suggestion is that you should write your reply to the court and copy it out to Cobbett's. Do this particularly if you have already supplied the schedule of charges. You should make it very clear to the court that the bank has had full details of the claim on at least two previous occasions and that you are now supplying them with a further one.

 

Make it clear to the court that Cobbett's request is a standard letter which is being distributed to all claimants regardless of the way that their claim is constructed and that it is designed only to frustrate and to intimidate.

 

Copy the letter out to Cobbett's. Do not dignify them with a direct reply.

 

Don't worry too much -- you can be sure that by now the courts throughout the United Kingdom are well aware of what is going on and are deeply suspicious of the banks and their so-called legal representatives.

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My son has just rung me at work to say that Cobbetts have offered £700 in full and final as a gesture of goodwill. The claim is for £1200 so I shall be finding the thanks but no thanks interim payment (or whichever template I need) letter and whizzing that off to them.

 

I think we're finally getting somewhere :lol:

 

:-) Good luck everyone :-)

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Cobbetts have written with partial offer £700 vs claim of £1199.

Is this letter ok? They have imposed conditions, should I mention these as being unreasonable 1) non disclosure 2) write to court withdrawing claim.

Offer expires 20 October. Do I need to say anything else?

Thank you again for any help you can offer.

Lindy :)

Dear Sir/Madam

Ipswich County Court Claim no. 6QZ56060

XXX and National Westminster Bank plc

Charges applied to account number: XXXX Sort Code: XXXXXX between December 2001 and May 2006

Charges £1,060.73 plus Interest £138.48. Total claimed: £1,199.21.

Thank you for your letter dated 12 October 2006.

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £1,060.73 plus interest £138.48 total claimed £1,199.21.

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

I trust this clarifies my position.

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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+ daily rate of 72p since filing!! Every little helps.

 

You're so fantastic! How does this bit look now?

 

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £1,060.73 plus interest £138.48 total claimed £1,199.21 plus interest at £0.72 per day since filing the claim.

So I'll just add the 72p bit and nothing else to add to the text I pasted earlier?

Thank you soooo much, Linda

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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What would I do without you?

 

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £1,060.73 plus interest £138.48 total claimed £1,199.21, Court Fees of £120.00 and interest at £0.72 per day since filing the claim.

 

Thank you!

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £1,060.73 plus interest £138.48, Court Fees of £120.00 and interest at £0.72 per day since filing the claim, making a total as of XXth October of £XXXX.XX

 

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The claim was deemed served on 23 August, I make it 51 days to the date on the letter 51 days x 0.72=£36.72 + 120.00 court costs + 1060.73 + 138.48 = 1355.93.

How's this?

Thank you so much :)

 

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totaling £1,060.73 plus interest £138.48, Court Fees of £120.00 and interest at £0.72 per day since filing the claim, making a total as of 13 October of £1,355.93..

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Cobbetts have written with partial offer £700 vs claim of £1199.

Is this letter ok? They have imposed conditions, should I mention these as being unreasonable 1) non disclosure 2) write to court withdrawing claim.

Offer expires 20 October. Do I need to say anything else?

Thank you again for any help you can offer.

Lindy :)

 

Dear Sir/Madam

Ipswich County Court Claim no. 6QZ56060

XXX and National Westminster Bank plc

Charges applied to account number: XXXX Sort Code: XXXXXX between December 2001 and May 2006

Charges £1,060.73 plus Interest £138.48. Total claimed: £1,199.21.

Thank you for your letter dated 12 October 2006.

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £1,060.73 plus interest £138.48 total claimed £1,199.21.

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

I trust this clarifies my position.

 

Thiswas the main nody of my refusal

 

As stated in my letter dated 19th September, I will inform the court that I am withdrawing the claim when I receive the full amount claimed. I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £4484.34, in order to be afforded this privilege by myself.

I trust this clarifies my position.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thanks Gizmo - did they resond, offer more for confidentiality?

I will add that if you think it will work.

 

Thank you again :)

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Thanks Gizmo - did they resond, offer more for confidentiality?

I will add that if you think it will work.

 

Thank you again :)

 

They kept their offer open until 13th and were going to send me that anyway - I replied last monday hich was 9th and I haven't yet had reply - hang on for a few more until i receive answer if you can - andI will let you know what i receie back

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hello everyone!

We have now received a letter from Ipswich County Court enclosing Mediation Forms to complete by 30 October.

Does anyone know what our response should be?

I am guessing we say "NO" and our reason for refusing mediation is because there is nothing further to discuss - our position is clear and has been clearly stated all along.

Is it yes or no to mediation?

If it is no has anyone got some good wording for the refusal?

If it is yes, what do I do now?

 

Thank you all as always for your help and advice.

Linda :)

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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have a read through this thread it should help a little.... if you need any help with things please ask :) I'm currently reading through the thread again myself.

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/32649-feefofum-barclays-6.html?highlight=mediation

 

Thank you very much for that - I have put something together based on the above thread - of course the wording will have to be refined but do you think it's worth working on something like this?

Thank you for your help.

 

I have complied with the CPR guidelines that 28 days is a reasonable time to allow reimbursement of the monies taken. Since June 7 2006 I have sent three letters to NatWest requesting reimbursement, three letters to Cobbetts LLP in response to their various queries and three letters to Ipswich County Court, this is the fourth. All letters and forms have been duly completed and copied to the parties concerned.

NatWest are well known for using the lengthy process of the court system and then settling in full at the last minute, stopping short of actually going to court.

I consider this to be yet another delaying tactic and a waste of the Court’s time.

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Does this look ok? It's got to be at Ipswich County Court by the 30th October.

Thank you :)

 

The Claimant has complied with CPR guidelines and has attempted to resolve the issues in the claim with the defendant. The Claimant sent the first letter to NatWest Plc regarding the issues outlined in the Particulars of Claim on 10/08/2006. A Claim was filed in the Courts on 22/08/2006. The Claimant has responded promptly to all queries raised by the Defendant and their representatives, and has kept the Court informed. The Claimant believes that the Defendant has numerous similar claims against them, and has details of a number of claims settled just prior to attendance in Court.

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Phew! I thought we'd never get there but we did ... cheque received this morning for £1458.09 full and final settlement.

 

Cobbetts put up a good fight but with your help we did it.

 

Thank you to everyone for all the help and support :D

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Well done.

 

Looks like the drinks are on you then!!!!!

 

Happy spending.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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