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    • The thing is, the administration has said there will be no payment coming.   "Unfortunately, whilst we have added your unsecured claim to the list of creditors within the Administration, regrettably due to the lack of funds in the Administration, there is no prospect of a dividend being paid to unsecured creditors. This means that notwithstanding your entitlement to Redress no payment towards your unsecured claim will be made. More detailed information on the reasons for this can be found in the Customer Redress Scheme and FAQs, which can be found by clicking on the link in paragraph 2 above."   So, I will obviously continiously beeing chased by UB or the debt collectors.   It was Unclebuck who emailed today saying the transferred the agreement to them
    • I'm sorry, but I don't really understand what you are referring to. Maybe you'd like to post up your particulars of claim again
    • They talk sence. So await the money. An administrator is placed in a difficult position upon how they can distribute funds they administer   so ignoring the powerless dca's , who currently owns the 2019 outstanding one? Who are 'they' ....
    • Hello Since December, about 20 of my packages have not arrived to France. I had to refund all customers because they waited more than a month for the packages. Some of them came, others did not. When I asked about refund on parcel2go, I was told that I will not get the money, because I did not buy the option "next day delivery", but the packages were going to France, so it would not make sense anyway. What can I do? Some of the packages arrived after 1.5 months, so they said I was not entitled to a refund, beaceuse finally they did arrive.   Is this really legal? What about lost packages? They said I can only get £25 for packages that were insured and the rest money is lost. Is there any point in reporting this to small claims?   Thank you for answer
    • Great news!👍👍👍 My case with them is due to next month. It'd be helpful if you could share your court experience and your case no.   Thanks!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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


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Nice one Haydn, hope it all goes well for you. (Im sure it will ;) )

 

Didnt see Eamon tho soz.

 

Steph 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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  • 4 weeks later...
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Hi there,

 

I'm confused about the spreadsheet and interest as well. If interest charges change all the time how does the spreadsheet know how to work it all out? And do you claim interest from the start in the prelim letter, or only if you go to court? I have unearthed £967 of charges over the last 6 years by Nat West.

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Its only claimed when you go to court. I know i thought that about the spreadsheets too but they are clever. Everytime you open it the balance updates and when you go to close it it asks if you want to save changes which will be the updated balance.

  • Confused 1

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Its only claimed when you go to court. I know i thought that about the spreadsheets too but they are clever. Everytime you open it the balance updates and when you go to close it it asks if you want to save changes which will be the updated balance.

 

I thing bexsy64 is talking about he banks interest rate changes all the time. ie One month the unauthorised overdraft interest rate might be 16.9% and then 6 months later they send you an amendment to their terms and conditions stating the unauthorised interest rate will be 19.6%...

 

Unfortunately I haven't looked at the spreadhseet yet so don't know is the answer....

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

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I thing bexsy64 is talking about he banks interest rate changes all the time. ie One month the unauthorised overdraft interest rate might be 16.9% and then 6 months later they send you an amendment to their terms and conditions stating the unauthorised interest rate will be 19.6%...

 

Unfortunately I haven't looked at the spreadhseet yet so don't know is the answer....

 

Yes that is exactly what I meant, but I have now sent the prelim letter without adding any interest and am about to send the letter before action. I'm assuming that they won't respond to that either, so then I will go to court and charge 8% interest as per the spreadsheet.

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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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Please note that this topic has not had any new posts for the last 721 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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