Stephanie v NatWest **I WON * I WON**

[Angry_Princess]

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?

[Angry_Princess]

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!

[Angry_Princess]

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 Consequently the offer is now formally withdrawn.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,

[Angry_Princess]

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

[Angry_Princess]

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?

[Angry_Princess]

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

[Angry_Princess]

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?

[Angry_Princess]

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!

[Angry_Princess]

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

[Angry_Princess]

Thanks Spiceskull!

[Angry_Princess]

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

[Angry_Princess]

Hi Spiceskull,

 

Just completed my Claim Form.

Going to take it in in a minute.

 

Oooh its so scary and exciting!

 

Ill keep you updated.

 

THANKS!!!

 

xxxxx

[Angry_Princess]

Recived 'Notice that acknowledgement of service has been filed'

 

Recived this morning. It says..

 

The defendant filed an acknowlegdement of service on 10 may 2006

 

The defendent responded to the claim indicating an intention to defend all of the claim.

 

The defendant has 28 days from the date of the service of the claim form with particulars of claim, or of the particulars of the claim, to file a defence.

 

 

Im hoping they are still just trying to scare me off!!

[Angry_Princess]

I hope so Spiceskull!!

 

Just out of interest has any of the winners against Natwest had a default removed too?

[Angry_Princess]

Experian isnt working at the mo it just keeps telling me to try again later so ill have a look then.

 

I have recived a default tho im sure.

 

Ill keep you posted tho!

 

Speak soon

[Angry_Princess]

Hi!

 

No, it said i need to send my birth certificate and a few other things. Pain in the bum.

 

Havnt had chance but will defo do!

[Angry_Princess]

Natwest have 3 days to reply!!!!!!!

[Angry_Princess]

Now i have recived from Cobbetts

 

1 Notice of Acting

2 Defence

 

Then a couple of days later the Allocation Questionare from court.

 

Going to take in the Allocation Questionaire today.

 

Just to check part A of the questionaire?

I dont want it to be postponed for an extra month to attempt to settle the claim do i?

And also Part G - Other Info? Has any one put any thing in this section?

[Angry_Princess]

Thanks Cornflake, ill look at that one.

 

Id appriciate it if someone could give me their advice on the allocation questionaire so i can get it sent in.

 

Cheers!

[Angry_Princess]

Recieved this letter this morning:

 

Dear Madam

 

We have now had the opportunity to consider your claim more fully and in paarticular we have inspected your bank account statements for account numbers XXXXXXXX and XXXXXXXX.

 

Upon consideration of the bank account statements, we note that you have incurred a total of 2,797.00 of charges within the period of your claim. Acordingly, we cannot see how you claim the sum of 3282.13 in charges from our client.

 

Our client considered that your challenge to its charges would fail in Court. Our client belives that its charges are fair, reasonable and transparent. It considers that the amounts debited to your account have been applied strictly in accordance with your agreement with it and its published tariff, which it is satisfied complies with all applicable laws and regulations. Our client is also committed to ensuring the transparency of the information that it gives to its customers about the operations of its products. As such, our client does not believe that your claim has any prospect of succeeding. (their mistake, not mine!)

 

However, as a gesture of goodwill and strictly on the basis that our client rejects any liability to you, it is willing to offer you a goodwill payment of 1,600.00

 

Acceptance by you of the goodwill payment will be in full and final settlement of your claim against our client and strictly on the basis that:-

 

1 You agree not to disclose to any third party the fact of, or any details relating to this payment:

 

1 You write to the Court withdrawing your claim.

 

Whilst this letter is written without prejudice save as to court costs, in the even that you decline this offer, we will draw this letter to the Courts attention on the basis that we hold the firm view that this offer is entirely reasonable in the circumstances. This offer will remain open for 7 days untill Monday 3rd July

 

We look forward to hearing from you.

 

Yours faithfully

 

Cobbetts

 

Well as you can imagine my letter to decline their offer is on its way!

 

Do you think i must have made a mistake with my calculations though?

Will have to look through again.

[Angry_Princess]

Hmm a bit worried now....

 

I couldnt understand the intrest n that so someone else (wont say who or they mite get bombarded with stupid ppl like me askin 4 help!) done the spreadsheets for me. Trouble is i think i must have done something wrong when i sent them my list of charges cus im sure Corbbetts wouldnt make a mistake, but cus i dont understand the spreadsheets i cant check!

 

do you think i should just say in my letter of decline that i had made an error and will inform the courts, Hopefully i should get my full offer soon judging how other ppl's have gone and doubt they will actually let it go to court.

 

Would appriciate some advice of a few ppl if any one can offer any.

[Angry_Princess]

Any one got any thoughts on this?

[Angry_Princess]

Thanks hun,

 

Ill have a look an check!

[Angry_Princess]

Your thoughts needed guys!

 

I recived Natwests Ofeer of 1,600. dated 23.6.06 then..

 

I recived a copy on Natwests Allocation Questionaire dated 26.6.06

In section A. Do you wish any further action in this claim to be postponed for one month so that you abd the other party can attempts to settle blah blah blah Natwest ticked Yes.

 

Just had a letter today from Court..

 

Notice of Allocation or Listing Hearing.

 

DISTRICT JUDGE PEAKE has considered the statements of the case and the allocation questionaires submitted in this claim and has decided that a hearing is neccessary before a final decision about the allocation can be made.

 

Reasons for hearings as follows: TO DETERMINE ISSUES AND LENGTH OF HEARING

 

DISTRICT JUDGE PEAKE orders you to attend at 15:30 on the 26 July 2006 at Birkenhead County court.

 

 

 

Can any one explain what this is all about and what will happen.

Im so nervous now!

[Angry_Princess]

Ill try that hun,

 

Thanks

 

X X