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Bobflemming v Natwest


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Hi,

 

Ive just started with my prelim letter to Natwest. Im owed around £3400 in charges over the last 5 years. I have decided to use the contract interest rate which brings the total up to just under 5k.

 

Just waiting for the first bugger off letter to arrive on the door mat.

I'll try and keep this thread updated for peoples interest. Wish me luck....

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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'The interesting things about these horse shoe brasses are...........ah hem, that got it!!!' ;)

 

Alright Bob! - You won't need luck my friend, what your claiming is already yours. Its just a case of following the right procedure to get them back!!

NatWest

- LBA Sent: 23/10/06

- MCOL Claim Filed: 06/11/06

- Claim Acknowledged: 14/11/06

- Defence Received: 08/12/06

- Cobbetts AQ Received: 27/12/06

LLOYDS TSB

- LBA Sent: 23/10/06

- MCOL Claim Filed: 06/10/06

- Claim Acknowledged: 15/11/06

- Defence Recd/AQ Sent: 06/12/06

- SCM AQ Recd: 15/12/06

MORGAN STANLEY

- Partial Offer Received with statements: 03/11/06

- Prelim Sent: 07/11/06

- Settled in Full: 17/11/06 :)

NATIONWIDE

- LBA Sent: 23/11/06

- Settled in Full: 21/12/06:)

- Account Closure Notification: 23/12/06

INTELLIGENT FINANCE

- LBA Sent: 23/11/06

- Partial offer Recd: 25/11/06

- Rejection Sent: 25/11/06

- MCOL Claim Filed: 30/11/06

- Judgment Filed: 04/01/06

BLACK HORSE

- S.A.R Sent: 16/11/06

NATWEST VISA

- S.A.R Sent: 16/11/06

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GOOD LUCK!!!

I've just sent off my S.A.R so i'll be watching your thread with interest. As your a little in front of me.

Keep us posted.

NatWest

S.A.R - (Subject Access Request) sent 3-11-06

statements recieved (few missing) 17-11-06

 

prelim letter sent 23-11-06

WON £249.00 refunded in FULL after 1st letter:grin:

 

Cap one

S.A.R sent 9-11-06

 

 

Welcome finance (mis-sold PPI, extortionate APR, excessive charges)

S.A.R sent 17-11-06

'stop harrasing via telephone' letter sent 23-11-06

Request copies of original credit agreements letter sent 23-11-06

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Cheers guys, will do. Its quite liberating to be doing this after around 5 years of financial missery, taking out loans to pay others off etc. The banks and CC's take liberties with people who are not as financial savy as perhaps they should be. Definately needs to be something they teach to kids at school IMHO

 

ah hem.......

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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Recieved the standard bog off letter that most people seem to get from Stuart Higley. He must be a very busy person!

 

So im just getting ready with the LBA. Just wondering if I should wait the full 14 days before sending it or as I have had a response just send it now?

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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Where did you sent your prelim letter to by the way Bob???

 

The reason i ask, is cos i didnt get any reply at all from prelim or LBA, where as everyone else seems to get a letter from the infamous Stu Higley?

 

Ah hem..... That got it!

NatWest

- LBA Sent: 23/10/06

- MCOL Claim Filed: 06/11/06

- Claim Acknowledged: 14/11/06

- Defence Received: 08/12/06

- Cobbetts AQ Received: 27/12/06

LLOYDS TSB

- LBA Sent: 23/10/06

- MCOL Claim Filed: 06/10/06

- Claim Acknowledged: 15/11/06

- Defence Recd/AQ Sent: 06/12/06

- SCM AQ Recd: 15/12/06

MORGAN STANLEY

- Partial Offer Received with statements: 03/11/06

- Prelim Sent: 07/11/06

- Settled in Full: 17/11/06 :)

NATIONWIDE

- LBA Sent: 23/11/06

- Settled in Full: 21/12/06:)

- Account Closure Notification: 23/12/06

INTELLIGENT FINANCE

- LBA Sent: 23/11/06

- Partial offer Recd: 25/11/06

- Rejection Sent: 25/11/06

- MCOL Claim Filed: 30/11/06

- Judgment Filed: 04/01/06

BLACK HORSE

- S.A.R Sent: 16/11/06

NATWEST VISA

- S.A.R Sent: 16/11/06

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Recieved the standard bog off letter that most people seem to get from Stuart Higley. He must be a very busy person!

 

So im just getting ready with the LBA. Just wondering if I should wait the full 14 days before sending it or as I have had a response just send it now?

 

Hi there Bob,

I think Mr Higely is actually a robot and generates this standard BOGOFF letters at a touch of a button:lol:

As far as the LBA goes, I too got a lame response to my prelim letter and after following the correct procedures, I've just filed my claim with the court. The general census is that responding sooner or after the 14 day period is a personnal choice, it doesn't seem to afftect your claim in the long run. The fact that you've given them adequate time to respond and they have, be it all rubbish, appears to be enough.

Good luck.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Where did you sent your prelim letter to by the way Bob???quote]

 

Hi,

 

I sent my prelim to:

 

NatWest Customer Relations

FREEPOST NAT12685

BOREHAMWOOD

WD6 1BR

 

I still paid for special delivery even though it is freepost.

 

The response from Stuart Higley came from:

 

Ground floor

National Westminster House

225 Shenley Road

Borehamwood

WD6 1TE

 

This is where i'll send my LBA

 

Hope this helps.

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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Where did you sent your prelim letter to by the way Bob???quote]

 

Hi,

 

I sent my prelim to:

 

NatWest Customer Relations

FREEPOST NAT12685

BOREHAMWOOD

WD6 1BR

 

I still paid for special delivery even though it is freepost.

 

The response from Stuart Higley came from:

 

Ground floor

National Westminster House

225 Shenley Road

Borehamwood

WD6 1TE

 

This is where i'll send my LBA

 

Hope this helps.

 

Thanks very much for the info Bob (sorry, found out someone called Meister has responded to my thread which went to my hotmail account...automatically pressumed it was Bob.....was abit confused), but I'm afraid I've already surpassed the LBA stage:)!!!!

I've just filed a claim with Bournemouth cc and am currently waiting on Natwests' response.

The Borehamwood address is where I to sent my LBA and got a very brief FOB-U-OFF letter, once again from the infamous Mr Higley, it was then time ti proceed with the next stage. Who knows they might decided to cut their losses and actually refund your moniesnow, rather than wait for you to take them to court, but unfortunately, it's highly unlikely..we live in hope.

Good luck, ang keep us posted.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Where did you sent your prelim letter to by the way Bob???

 

The reason i ask, is cos i didnt get any reply at all from prelim or LBA, where as everyone else seems to get a letter from the infamous Stu Higley?

 

Ah hem..... That got it!

 

Meister can you please add questions to your own thread here: http://www.consumeractiongroup.co.uk/forum/natwest-bank/30523-meister-natwest-let-battles.html

 

It makes it easier for people to help you. :)

Ex CAG helper ^_^

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cheers bob, sent my letter to telford.?! probably why i didnt get a response, but hey ho not to worry.

NatWest

- LBA Sent: 23/10/06

- MCOL Claim Filed: 06/11/06

- Claim Acknowledged: 14/11/06

- Defence Received: 08/12/06

- Cobbetts AQ Received: 27/12/06

LLOYDS TSB

- LBA Sent: 23/10/06

- MCOL Claim Filed: 06/10/06

- Claim Acknowledged: 15/11/06

- Defence Recd/AQ Sent: 06/12/06

- SCM AQ Recd: 15/12/06

MORGAN STANLEY

- Partial Offer Received with statements: 03/11/06

- Prelim Sent: 07/11/06

- Settled in Full: 17/11/06 :)

NATIONWIDE

- LBA Sent: 23/11/06

- Settled in Full: 21/12/06:)

- Account Closure Notification: 23/12/06

INTELLIGENT FINANCE

- LBA Sent: 23/11/06

- Partial offer Recd: 25/11/06

- Rejection Sent: 25/11/06

- MCOL Claim Filed: 30/11/06

- Judgment Filed: 04/01/06

BLACK HORSE

- S.A.R Sent: 16/11/06

NATWEST VISA

- S.A.R Sent: 16/11/06

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Just sent of my LBA. Awaiting the second bog off letter. Its just a matter of time though ;)

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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  • 4 months later...

I went to the court on the 5th and handed in My N1 with POC and list of charges being claimed. Was issued on the 11th March.

 

Ive just recieved cobbetts defence. I guess its standerd except that they have ..

 

" invited the court to direct that there be a case management conference in order for the court to consider the making of appropriate orders to give the claiment the opportunity to properly particularise the claim "

 

I dont appear to have to complete the Cpr part 18.

 

What are my next steps now? Do I just wait for the courts?

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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Bump - can anyone with the 'court' experience help please?

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Guest NATTIE

Seems like a fairly standard cobbetts response. Unless the court has ordered you to do so i believe you do not need to respond but i would ask the master of court stuff Michael Browne for an opinion.

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How long do the court take normally before they get back to you after Cobbetts have issued their defence?

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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Hi there, Im at exactly same stage as you, just waiting for the defence from court. Ive had my copy from Cobbetts on Sat 7th April, and like you, they didnt ask for CPR 18 from either, so Im just waiting now for copy of defence with directions from court. I know I dont have to furnish them with any further info, but purely out of courtesy, I sent them another copy of my charges spreadsheet today, because their standard defence basically said, not particularised claim properly, when clearly I had, I had used the one from here for MCOL, word for word, and I have already sent a copy of my charges to them by recorded and to courts, so theyre just playing silly beggars, but Im not now going to do another thing until I hear from court with the defence. I will keep checking on your thread to see where you are up to, because it sounds like were at exactly same stage. All the best.

 

Fendy xxxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Cheers Fendy, Good luck..

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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You too mate. My claims for 11.7K plus interest, total 15.7K. Wow. I know...............

 

Best of luck to you too.

 

Fendy xx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Claiming just under 5k.

 

Recieved my AQ today - just when I thought I might have missed that stage :(

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Thanks Parkvale, just trawling through that now. :)

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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  • 2 weeks later...

Just recieved their AQ and they are requesting it go in fast track unlike me who wanted it in small claims. Claim is for £4900 + court charges. They have put the total on the form as £5019 - which pushes it out of small claims court even though its the court fees that put it over the 5K.

 

Just have to wait and see what the judge decides I guess. Does anyone know how long it takes to get allocated normally at the Reading court?

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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And they were 2 days late putting the AQ in. These banks seem to be able to do what they want.

[sIGPIC][/sIGPIC]

 

NatWest £4940 with contract interest prelim sent 13/11/06

Recieved first bogoff letter 18/11/06

HSBC £320 with contract interest, prelim sent 12/11/06

 

Natwest Visa £825 with contract interest, prelim sent 15/11/06

 

Barclaycard S.A.R - (Subject Access Request) 7/11/06

 

MBNA S.A.R - (Subject Access Request) 7/11/06

 

Shell Visa S.A.R - (Subject Access Request) 15/11/06

 

Amex S.A.R - (Subject Access Request) 7/11/06

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It does seem like that Bob. But its all tactics to wear us down so that we throw in the towel. That isn't going to happen. So patience is your best friend on this site sometimes.Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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