Maybox V. NatWest **WON**

[maybox]

Been lurking here and finding this site an excellent resource!

 

I'm now up to the stage of submitting my claim using MCOL. I'm a bit confused however about the schedule of charges I send to NatWest following my MCOL submission (as thanks to the template on this site it states that despite already including a schedule of charges in all my previous letters I will do so again) - do I NOW include the S.69 interest in this schedule of charges?

 

Sorry if this has already been asked hundreds of times

[Deller]

Yes you do. When filling in the form at MCOL you should be prompted about this and be told what to write on the claim!!

[maybox]

^^^ Thanks - but that's not what I meant....

 

In filling out the form I state I will be sending Natwest another schedule of charges. In this schedule of charges do I include s.69 interest for each item?

[Deller]

Sorry, I read so much of this site I don't know whether I'm coming or going.

 

In answer to your question, yes you now send the schedule which includes the 8%.

[maybox]

Brilliant! Thanks very much.

 

Seems to me getting charged £30 a pop then reclaiming it a few years later with 8% interest is much better than any savings account around!

[Deller]

Too right!!!! :lol:

[maybox]

Thought I'd let you know about my making NatWest my not very nice lady.

 

Call to Natwest requesting statements: 13/09/2006

arrived nicely packaged: 20/09/2006 - I've never been charged £5 for this....

 

 

First Letter sent: 29/09/2006

 

Mr Higley replies stating he believes it's fair and transparent to take money from me and that credit cards are not the same as bank accounts blah blah blah: 03/10/2006

 

LBA: 05/10/2006 :grin:

 

Mr Higley states he is sorry he cannot provide me with any more information as to why he doesn't want to be my not very nice lady: 10/10/2006

 

Write to Natwest telling them they have 14 days to reflect on their decision to refuse refund before I proceed with a claim via the courts: 12/10/2006

 

Mr Higley writes back with identical letter explaining he is sorry he cannot provide anymore information: 18/10/2006.

 

26/10/2006: Filed MCOL online....

 

the fight begins....;-)

 

 

 

 

edited by Moderator: Please refrain from inappropriate language which may be construed as libelous on this site. Thankyou.

[maybox]

edited by Moderator: Please refrain from inappropriate language which may be construed as libelous on this site. Thankyou.

 

Sorry! As we all know, relationships with not very nice ladies (or gents) can provoke emotional outbursts in all of us...

[ataction]

Filed my MCOL today...........

[maybox]

Received standard letter from the court saying NatWest have until the 15th Nov to acknowledge court claim.

 

My claim is under £500 - what can I typically expect from Natwest at this point? I see from most peoples claims they bring it right up the AQ stage, but most peoples claims are significantly higher than mine!

 

I and Natwest both know it's simply not worth them taking the matter further re: legal costs. I think if they do I shall really have to consider if Natwest are capable of good fiscal planning and thus if I should even bother keeping my account with them

[maybox]

Claim acknowledged by Natwest on the 31/10/2006.

 

28 days to file a defense...

[Guest Scarletrose]

Hi good luck i just dont understand why they hang it out so long it ends up costing them more money, i appreciate that they do it as a scare tactic but if they just coughed up the original claim they would save themselves time and money and all of us would be a lot happier, by now they must realise about this site and that people know their rights and arent going to give up so easily.

[maybox]

I received my claim acknowledgement from the court today. On the address for which documents must be sent i.e. the defendent, it gives 'group litigation' under a City of London address. I was under the impression that I'd get Cobbetts like everyonne else? However my claim is under £500 so maybe they've seen sense to defend it in house.

[Guest NATTIE]

You will get the usual cpr part 18 from them so try not to worry who acknowledges the claim

[maybox]

You will get the usual cpr part 18 from them so try not to worry who acknowledges the claim

 

thanks for replying so prompt! I'm not particularly worried about my claim or who acknowledges it - though I would find it encouraging in terms of time to me receiving all my money back if NatWest wanted to defend it inhouse themselves....

 

role on the cpr part 18, I'm simply gagging to tell them I don't have to fill it.

[Guest NATTIE]

NatWest use Cobbetts solicitors for the litigation side. We do have in house ppl in the litigation department but these are mainly for issues in relation to mandates and the easy things. Cobbetts do the court stuff.

The CPR part 18 is stickied in the NW forum which does not apply to your claim so while the process is ongoing have a good read of it and a few threads that are just past yours. Be positive it is YOUR money

[cheddar]

So am I the only person not to get a CPR 18 then......? LOL!

 

(sorry for hi-jack)

 

Go for it I have seen a couple of peoples cases that have the Group Litigation instead of Cobbetts and it is the same.

[Guest Scarletrose]

i really hope you get your money cheddar because you are always on hand to give advice to others whilst still dealing with your own claim i only wish i was able to help you too.

[Batfink]

I was acknowledged by the RBS in-house legal group as well. A friend who I issued for on the same day is being dealt with by Cobbetts.

 

The Defence was due on my case on Monday, and as I hadn't received anything on Tuesday lunchtime I rang the solicitor handling the case, asking whether they were going to file a substantive defence or should I just go ahead and enter judgment by default (mainly because I couldn't be bothered to (a) walk down to the court and (b) go through the whole "set aside" procedure). She asked whether my case was under or over £1,000 (it's just under). She got the file and apologised, saying my file must have been overlooked and said a cheque in settlement would be with me by the end of the week (i.e. tomorrow).

 

The only difference between my claim and my friend's was the value - mine was just under £1k and his was about £4.5 k.

[maybox]

I'VE WON!!!!!

 

7 Days after MCOL was acknowledged, the RBS litigation sent me cheque for everything on the condition I waive my right to tell people about my claim - I THINK NOT!!!

 

Thanks to everyone behind this site - been a great help. Point me to where I add a donation and I'll throw you 5% of my claim (which isn't that much - probably why I got it so soon!).

[Guest Scarletrose]

congratulations!!!!! another victory against Natwest, as regards to condition to waive my to tell people about my claim will u send them a letter stating this or is it one that u have to sign and return with that part scribbled out. i haven't got this far and i'm curious to know what happens under these circumstances.

[maybox]

There was no form. Just a cheque and a letter. I've written them a reply saying I've accepted the cheque, I retain my right to tell who I like about the case (they can't make you not tell anyone - it's MY money and I'll shout from the roof tops that I got back from them if I feel like doing so!!) and that I will advise the court to stop proceedings once the money has cleared into my account.

[Deller]

Well done maybox, thoroughly deserved!!