gashton v Natwest

[gashton]

I have recently contacted the customer services department at Natwest Credit Card Services requesting copies of my Natwest Mastercard and Visa Card statements. Both these accounts are now closed and settled in full.

 

The person i spoke to stated they would request copies of my statements and send them free of charge. Since then this person has contacted my home and stated that if i require copies of these statements i will have to submit a written request and also pay £3 per statement.

 

Can anyone advise what the best way to go about this is and is there anyway i gain access to my statement info without paying £3 per statement.

 

Many thanks in advance

 

Gary

[gashton]

Can anyone advise which Natwest address they used for the defendants address within the HMCS Money Claim online?

 

Many thanks

 

Gary

[embo]

Hi

 

I havent got it on me at the moment, but if you look at any letter that you have received from them - it will be in small print on the botton of the letter head.

 

It actually says Registered address.

HTH

 

Thanks

[Guest NATTIE]

Data Protection Letter to NW Credit card services with £10. Should be cheaper than £3 per statement

[gashton]

Natwest have recently accepted my request of a full refund on my joint account. Hooray!

 

The letter states 'Acceptance by you of this payment will be in full and final settlement of all claims you may have relating to our charges'.

 

Whilst i'm obviously going to make every effort not to be charged again on this account, I cannot predict what may happen in the future.

 

Can anyone advise whether Natwest will remove this condition if I reject the offer based on this particular condition of the settlement?

 

And if so, is there a letter template which someone has already used succesfully?

 

Any advice would be greatly appreciated

[nathal]

you have to sign this to get your offer

 

there is a dispute, that even if you sign this, you can claim for future charges

[gizmo111]

NatWest have recently accepted my request of a full refund on my joint account. Hooray!

 

The letter states 'Acceptance by you of this payment will be in full and final settlement of all claims you may have relating to our charges'.

 

Whilst i'm obviously going to make every effort not to be charged again on this account, I cannot predict what may happen in the future.

 

Can anyone advise whether Natwest will remove this condition if I reject the offer based on this particular condition of the settlement?

 

And if so, is there a letter template which someone has already used succesfully?

 

Any advice would be greatly appreciated

 

Cross out the bits you don't like sign and keep a copy.

[gashton]

Advice required please.

 

I recently rejecting Natwests full refund of £177 because of the terms & conditions that i had to agree too. Natwest has stated that unless i sign the letter accepting the T&C's i will not get the refund.

 

What is the next step for me? If i sign the letter does this mean i will not be able to claim back for any future charges on this account?

 

Should i progress to the stage of raising a court case against them?

 

Thanks in advance

 

Gaz

[jonni2bad]

Signing for this amount will not stop you from claiming again in the future, so long as that claim does not relate to charges which have occurred before now (i.e. you can claim any charges from the date of this settlement onwards, no matter what they say in the offer letter.)

 

THREADS MERGED.

[gashton]

many thanks for your help jb

[gashton]

From my calculation, my claim was served to Natwest via MCOL, 28 days ago at the end of today. Assuming that Natwest/Cobblets enter a defence at the end of today, can anyone advise what i'm to expect next?

[Andy449]

They'll almost certainly enter a defense today although this won't neccessarily show up on the website until tomorrow.

 

After that, the court will send you both an allocation questionnaire in order for the judge to decide where your claim will be heard i.e. small-claims, fast track etc...

 

Also, expect a letter from Cobbetts shortly asking for further info on your claim under CPR Part 18 - There's a sticky thread on this which I suggest you read carefully.

 

Andy

[gashton]

Andy,

 

Checked the website today and they have now entered a defence. Guess i've got to sit tight now and wait for the AQ and CPR 18.

 

I will look at the relevant threads today. Thanks for your advice

 

G

[gashton]

I have now recieved a Defence and a CPR Part 18 request from Cobbetts on behalf of Natwest. Am i correct in thinking that there is no reason for me to respond to this CPR request unless the court requests it?

 

If so - can anyone advise where to find the relevant letter template to reject this request and move my case on to the next step.

 

Thank in advance

[Deller]

Worth a good read through this Sticky:-

 

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

[gashton]

Thanks deller - i believe a congratulation is in order!!

[Deller]

They are indeed.....although my head is seriously hurting due to my over indulgence of celebrating...LOL

[gashton]

Can anyone advise if they included any specific information within the 'Other Information' element of the Allocation Questionnaire?

[Deller]

Section G - Other information:-

 

I am respectfully requesting that my claim be allocated to the small claims track.

 

This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument.

 

However, the continuing problem is, (in common with the 100s of other cases currently being brought by other bank customers), that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith.

 

Accordingly, I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. This would bring a rapid end, not only to this litigation, but would also likely bring an end to much of the litigation in progress against other high-street banks.

[gashton]

I have finally recieved a letter from courts stating that a preliminary hearing has been set to decide how to proceed with my case for the 31st May 2007 - over 3 months away.

 

Can anyone confirm whether this is standard procedure?

 

If so - is it now i need to prepare my court bundle for myself, the courts and solicitor.

 

Thanks in advance

[gashton]

Bump - any advice/suggestions would be appreciated

[Andy449]

Hi Gashton,

 

I'm not sure whether the bundle will be required for a prelim hearing but it definitely wouldn't hurt your chances to have it ready just in case. At the very least, if you get it out of the way then there really isn't much else for you to do apart from wait.

 

Andy