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    • Which Court have you received the claim from ? Civil national business centre, Northampton       If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS)     Name of the Claimant ? PRA group uk portfolios ltd   How many defendant's  joint or self ? self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 14 june 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. state how many digits the account number has.. The claimant claims the sum of £6823 for an outstanding debt owed. On 29/8/2013 the defendant entered into an agreement with Barclays Bank UK for a credt card under ref *********. On 22/3/21 the defendant defaulted the agreement with an outstanding balance of £7074. On 26/7.22 the debt of £6937 was assigned to PRA Group lts who itself assigned the debt to PRA group UK portfolios ltd on 30/12/23. Notices of assignement were sent to the defendant in accordance with S136 Law and Propert act 1925. The claimant has instructed PRA group UK ltd to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. Payments of £103 were recieved up to 5/12/23 and adjustments have been applied in the sum of £10, and the claimant claims 1. The sum of £6823.88   What is the total value of the claim? £7378.88   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? no   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? after   Do you recall how you entered into the agreement...On line /In branch/By post ? don't recall, likely online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned to purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? don't recall   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? yes   Why did you cease payments? account was marked unenforcable by PRA due to lack of cca   What was the date of your last payment? december 23   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes  
    • Also, what was the cost of the job which you carried out and what was the likely value of the repairs required by the snagging list
    • Thanks for your reply. After you didn't respond to the the paploc, what was their next step? Did they resend the paploc? I feel it's like others have suggested, it's a 'fish' to get someone to respond. Ref the email, I don't think I've ever had one, even when J and P took over with the first round of comms, then I received two within in a few days (both with same info) and a few days later, the J and P paploc. Any guesses what they're thinking changing between J and P to IDR and vice versa?
    • Please explain what you mean when you say that he hadn't followed pre-action protocols. How much of the original spec that you worked to do you have in writing.  Do you have photos? What other written evidence do you have?    
    • Hi. @BankFodder should be around later to advise on this, he often deals with this kind of case. As an outsider, it sounds to me as if the client could have changed his mind about what he wanted, once you'd built to the agreed spec. HB
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Stephanie v NatWest **I WON * I WON**


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I sent the letter to NatWest ' Letter before action' and told them i had calculated £2771.00 in Charges from my 2 accounts.

They sent me a letter back saying they dont belive the charges where unlawfull but are willing to give me £400. for one account and £175. for the other and a gesture of goodwill.

 

Obviously i am not going to take this!

 

Not sure now tho..

Do i start court proceedings straight away or send a letter declining their offer?

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Thanks!

 

Done that now just gotta wait.

 

The 14 days dead line is monday so im gonna have to go and sort out the court proceedings now r'nt I.

 

Im quite nervous now!

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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My 1st response from Natwest was the offer and it came from the branch manager.

 

I sent him a letter declining the offer and i have now had this letter back from Stuart Higley (Customer Relations)

 

Thanks you for your letter which has been passed to me for my attention, im sorry you found this offer unacceptable. Consequently the offer is now formally withdrawn.

 

There will be no refund of £2,771 for which you have asked and i note you proposed way forward.

 

I am dissapointed to note you are contemplating legal action, whilst i hope you will feel able to reconsider, should you decide to go ahead, please ensure that any proceedings are served on our registered office address.

 

I am sure that this letter doesn't provide the answer you might have hoped to recive but nonetheless thank you for raising the issue with us.

----

Can any tell me if they have had similar letters?

Is this to put me off do you think or do they think i have no case?

 

Chreers,

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Yup. From other people's posts, it's a standard "P*** off" letter.

  • Confused 1

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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phew!

 

Also .. im confused about how to work out the intrest. Can any one advise?

 

On the spread sheet it says UNPAID CHQ CHARGE and CLEARED TRANSACTION etc

 

ive got unpaid chq chrges etc but not cleared trensaction...

ive got ... referal charges ... card misuse and charges that dont have n e thing by them just the date?

 

i dont understand it?

am i suposed to type ove the 'in respect of?'

 

thanks

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Having read something on some one elses thread, it said its difficult to calculate intrest if you have been overdrawn the whole time?

 

Im really confused about adding up all the intrest, would it be better to just apply for the charges?

Could any one advise?

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Hi,

 

I think you just delete whats already on the spreadsheet and insert what they have charged you, for example, 'unpaid direct debit, £38'. You enter the date on which they charged you and the spreadsheet calculates the interest to today's date.

 

Good luck!

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Im sorry if i sound really stupid but im really stuck.

 

Please Help Me!!!!

 

im claiming charges for 2 natwest accounts from dec 03 - dec 05

 

It was the 14 day deadline last monday and i need to send my claim form in but i cant work out the intrest.

 

Is there any one who is in a similar situation who has cracked it and can advise me?

 

Thanks

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Hi all. .

 

 

I still feel really confused about all this and looking at other peoples threads its not going to end n e time soon.

I am currently on benefits and dont have to pay court costs, should this mean i would be intitled to legal aid do you think it would be worth me getting a solicitor?

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Ok let me get this straight...

 

You are getting ready to put a claim in to Money Claim.

 

You are having problems calculating interest so you can claim back in court?

 

First of all;

 

a) Do you have a list fo dates and charges and amounts that have been applied?

b) Have you downloaded the spreadsheet?

c) Can you open the spreadhseet and see it.

 

No need for a solicitor, but of course, that is your decision. Just remember there is no rush here...

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If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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Sorry you didn't get a response earlier, it got really busy after the new MSE newsletter, and we must have missed your post.

 

You won't qualify for legal aid on a small claim.

But you should qualify for court fee exemption.

 

Tbh, you don't need a solicitor. It's actually quite easy to do the claim form. And thanks to Dave's forms, working out how the interest should be straighforward. As Neo asks, let us know if you have the Excel sheet.

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As Neo asks, let us know if you have the Excel sheet.
Sorry, I meant to post to this thread - I have been helping Princess backstage with the spreadsheets...all ready to be printed out...I know nothing of the status for legal aid, so that advice is best left to others...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Cool.
Sorry? I thought you said earlier that I wasn't cool. Had a change of heart then?:cool:

Brownie points to you.
What about rep points instead...rep is a much nicerererer colour...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

  • Haha 1

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks...I needed that boost :D

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Stephanie, sorry for hijacking,this won't take long, I promise!

 

Sorry? I thought you said earlier that I wasn't cool.

 

When did I say that?

 

What about rep points instead...rep is a much nicerererer colour...

 

Done. You shameless hussy.

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Stephanie - you all ready for Tuesday now? (ignore the hijackers around here...)

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Look, I know we both have cartoons for icons, but that's no reason to confuse Bookworm and I with one another. Nor is the long blonde hair...

 

'Twas I who said you weren't cool. And I was seconded by your partner in illicitude.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Hi all!

 

Sorry for not replying, im not on line at the mo and having to use my parents.

 

Spiceskull has helped me now and ive got the spreadsheets sorted.

 

Im not using Moneyclaim b'cus im taking my claim form to my local court.

So just gotta fill that in.

 

Keep you posted.

 

Thanks every one!

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Just filling in the form to print off now.

 

Can any one give me any tips on what to put in the Brief details of the claim and Value.

 

Some advice on how to word it and what i need to include would be great.

 

Thanks

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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For the 'value' part of the claim:

The Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £[penalty charges total] and the interest charged thereon of £[penalty interest total]

b) Court costs

c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges from [claim start] to [claim raised in court] of £[Total Interest (8% APR)] and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 0.022%.

 

If you are claiming in person, print a couple of copies (from the spreadsheets,) so that you can leave a set with your claim.

Regarding the particulars, take your pick from details here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=681

 

However, it is VITAL at this point that you familiarise yourself with the various acts and regulations that you are referring to. It is 99.99% certain that you won't need them, but always best to be prepared. Go through the stuff in the library and FAQs one more time, to get your argument clear in your head.

 

Good luck.

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Spiceskull!

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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About the Brief details of claim section on the claim form...

 

Spiceskull, you have given me the link to particulars but ive already printed that off to go with the claim form b'cus on the second side of the claim form it asks you to attatch them, so i must have to put something different in the 'brief details of claim' part.

 

Any ideas?

 

Ta x

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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This is what I put - but would suggest you check it over before copying it verbatim:

I have a contract with [bANK] dated [DATE], which is conducted on their standard terms and conditions. I am claiming a refund of money taken by [DATE] in the form of penalty charges over the last 6 years, plus the interest they have levied on those charges. The Bank's charges are a disproportionate penalty, and therefore unenforceable as they are contrary to common law. Further, as a

disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2 (1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges, but they have neglected to do so.The claimant claims interest under section 69 of

the County Courts Act 1984 at the rate of 8% a year from March 2000 to [CLAIM DATE] of £[AMOUNT] and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 0.022%.

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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That way you will attract more attention to your story and get more visitors and more help 

 

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