Confused me against the natwest **WON**

[Deller]

Sandra, give me 10 mins and I'll be with you!! Just about to have some grub!!

[Deller]

First question, did you/do you have an interest free overdraft??

[hellhasnofury]

no not that I am aware of.. I was charged interest every month.

[Deller]

In which case, enter all your account balances in the column which says "ACCOUNT BALANCE AT INTEREST DATE", if the balance is negative then just enter it as a minus figure.....e.g. -200.

[Deller]

You may find that the INTERST CHARGED column and the INTEREST ON PENALTIES columns look the same in most cases, especially if you were overdrawn, don't let this alarm you!!

[hellhasnofury]

Sorry for the delay. I think I think I might have cracked it. If at first you don't suceed try and try again. I am Scot by birth so don't hold that against me please. Thanks you so much for your help. Deller1. You are a star and for all your good help you will forever have to help the not so clever on this website!!!!!!

[Deller]

If you get any more problems Sandra give me a shout. If you think I've not seen your question just pm me!!

[hellhasnofury]

Well I have been on the computer most of the evening. and yes at long last I have managed to do the cag spreadsheet. Many thanks to Deler1.

 

At last I have submitted the MCOL and have actually submitted it!!!!!!!!!

 

I reckon I should received about £1996.99 eventually from the vultures at the natwest

 

I shall no doubt need help, advice and support in the next few weeks or maybe even longer according to some threads

[Guest NATTIE]

Sandra- this bit is where I leave you as the court stage is the place where the winners and those with more experience are able to be of more help than myself. Good Luck and will be following your progress with interest.

[hellhasnofury]

Thanks Natwestmember, Your advise on Adv Gold fees helped me to understand what I could actually claim, so thanks very much. I really was confused and would have tried to claim too much. At the moment I am feeling pretty confident, but suffering from the frequent moaning from the family for being on the computer most of the time!!!!!

[Deller]

but suffering from the frequent moaning from the family for being on the computer most of the time!!!!!

 

I think we're all suffering the same problems.........lol

[hellhasnofury]

Thanks for your message Deller1.

 

I've had to fight off children on runescape and my Husband with his photography,to get hold of this laptop. The computor is bust!!!! but I won as you can see. This site is a bit addictive. I seem to be looking a my thread to see if I've had any responses. Thanks for all your help. The cag spreadsheet was quite simple after your help. I felt a great sense of power when I hit the submit button on the MCOL, but I suppose the tension starts now. But I feel I am prepared for the fight. It is only right that I should have my money not them. I had to work hard for it. The less I had the more they took. I love mutiny against the system and its brillant that everybody is fighting the powers that be.

 

I'm a great believer in good things will come for those that wait.

[hellhasnofury]

Hello, Got my first letter from the court today. The notice of issue. The bank has until the 27th January to file a defence. Is it worth writing to the bank and telling them that first schedule of charges were inaccurate. I had realised they were wrong. I had claimed to much interest. Do send Mr Higgly the amended version with a letter explaining the first schedule of charged were infact wrong. Or do I wait till I hear from the solicitors.

[Deller]

Sorry for the late response Sandra, but what with the situation going on in my life at present I havn't had much time on my hands, Ive pm'd you the details.

Firstly have you sent the copy of your schedule to the court? If you haven't then send with the cover letter. Then it's probably best to wait for the acknowledgement of service, your claim will be out of Mr Higley's hands and more than likely be passed on to Cobbetts you can then forward any correspondance to them.

I'll keep watching.

[Deller]

Cover letter for schedule:-

 

 

 

(YOUR ADDRESS)

The Court Manager

Money Claim Online

Northampton County Court

21-27 St Katherine’s Street

Northampton

NN1 2LH

 

(DATE)

 

Dear Sir/Madam

 

(YOU) –v- (BANK)

Claim No: ********

 

I have today requested the issue of a County Court claim via the Moneyclaim online service, details as above.

 

Please find enclosed a schedule of the money taken from me by the defendant bank by way of charges, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached with the particulars of my claim.

 

 

Yours Faithfully

 

(YOU)

[hellhasnofury]

Hello Deller,

 

thanks for your response. Extremely delighted about your good news, Don't worry too much. I will pray to my guardian angel for you.

 

I have copied the letter and sent it with the amended schedule of charges and they are in the postbox as we speak.

 

It is so nice to know that you will be keeping a eye on me your kindness will be returned thrice-fold. Sound a bit looney don't I. but mark my words wait and see!!!!!

 

thanks again

[hellhasnofury]

Hello everybody,

 

I think I have gone quite mad. I am now on a mission with credit cards and the ppi on loans. I am horrified that I have just sat back and let these organizations take my money that I have worked hard for,

 

The natwest have rung me 3 times this week about my overdraft. Different people asking me about the same thing..2 calls on Friday and one on Saturday. They begger belief. I have mentioned the word harassment to them. so lets see if they stop.

 

Today I have sent 3 SAR to the natwest loans, abbey loan and m&s loan,

lets wait and see what they will give me. I thinks a lot me people will be claiming back their ppi for them being mislead by these organisations after the prog with Trevor McDonald (Saint).

 

WOOeeee!!!! Let the fight begin. :x :-x

[hellhasnofury]

Hello, I have just received confirmation from MCOL that the bank has acknowledged by claim. They now have 28days from the 13th Jan, so that will take till the 10th Feb. So here we go. Will probabley post for help and advice please.

[Deller]

The ball is well and truely rolling now Sandra. You should expect them to wait right up until 10th Feb before they enter their defence, this is typically normal of Nat West so don't worry if you don't hear anything between now and then. You now where we are if you need us!!

[hellhasnofury]

Hi Deller1

 

Hope all is well, thanks for your message. The 10th of Feb seems such a long way away, but I'm sure it will come around all to quick. I did notice Dantracy won her claim well done it gives us all a boost of confidence.

 

Take care

[Deller]

All good things come to those who wait Sandra, and it'll be no different for you. Hang in there we're with you all the way!!

[hellhasnofury]

Hello all,

 

Still waiting for any response from cobetts, but they have another week. What should I be doing now? Should I be preparing my court bundle? or wait till they put in their defence. The schedule of charges I sent with my prelimary letter and lba I had to amend. I did send the court the amended version. It was actually a little less than the one I sent with the prel and lba. Do I wait to hear from cobbetts and send them the amended version or send it to the bank???????

 

Any advise greatly appreciated:smile: I

[Deller]

Just sit tight for now Sandra and wait for Cobbetts to submit their defence, you've got plenty of time to prepare your court bundle (should you need it).

[hellhasnofury]

tHANKS dELLER1

Ther as always and very much appreicated.

Hope all is well for you.

[Deller]

No change really Sandra, just waiting for him to build up his strength now.