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    • Appreciate your response BankFodder. I am aware that the Consumer Rights Act does not apply in my case as I operate a business and, instead, should rely on the Supply of Goods and Services Act and Unfair Contract Terms Act 1977. I was a little unsure as, when I read the judgement of Hashim Farooq v EVRi Parcelnet, July 2023 I presumed that,  as Farooq had supplied laptops through Amazon,  the Consumer Rights Act would not apply but the judge refers to it in Section 22 as to why the claimant should be given judgment. Have I read this correctly? The reason for not offering full reimbursement was because I did not take out insurance for the full value.  In regards to correspondence from my customer,  I have emails from her in my timeline stating that she was waiting all week and that no one attempted delivery.  I have no doubt that she will be willing to corroborate the events with a written statement.
    • When you post information here you will have to post it in single file multipage PDF format. Follow the upload link. However, it would be more helpful if you could simply answer the questions that we have put to you and we can deal with paperwork afterwards if we think we need it.  
    • I was trying to post all the paperwork that I have, namely facebook ad, messages between the seller and my son etc . But I'm getting the message that the files are to large. 
    • First of all please can you tell us the name of the seller, something about the van – age/year, mileage, price paid. How far away is the seller from where your son lives? Who do you take it to for this inspection? Are they prepared to give you a written list of the things that they found? This is very important and you may well have to get an independent inspection from somebody such as the AA. This will cost you some kind of feedback we expect that we will be able to help you get it back. I would say that if you have to bring a court claim – which is likely – then your chances of success are better than 95% but the difficulty might be enforcing the judgement against the seller. We will have to no more in order to give you better advice. Does it have an MOT? What is the date of it and who gave it the MOT? I suggest that you start taking pictures of all of the defects that you can find.   Also I am going to say that I believe that you came over from Facebook where you were already informed that we would need at least all of the information which I have requested above. It will save a lot of time and effort for everybody if you can simply come up with the things that we ask without too much delay
    • My autistic son brought a van from a private seller. ( there was 5 other cars on his drive and another van, plus loads of machanic tools in his hallway,  so he probably is a unofficial dealer).  He gave the van a once over, he checked for any warning lights that might be on, there was none. He checked underneath for any rust etc, it all looked fine. The body was rough, but you'd expect that for the age of the van.  He got his brothers machanic to give it a pre mot check, as the van was old so he expected it to have a few problems. The van is a deathtrap, the seller had blacked out all the warning lights that were on the dash,  and I mean all.  He had also painted some kind of black stuff on the underside, to hide all the damage there.   My son drove it for over 2 hours to get it home. The machanic said he's surprised my son is still alive, and an untrained eye would not of seen what the seller had done.  Iv asked the seller for a refund and for him to have the van back, but he is refusing. Is there anything we can do.   
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Embo V Natwest


embo
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Hi,

 

I have received my statements now (it only took a week) and they are all in order.

 

I am sure i know exactly what i can claim back off these statements - However there is one thing I am not sure of.

 

On my statement for example:

 

Charges 6th Oct, AC:******** £6.00

Charges 6th oCT AC:*********£14.00

 

Charges 29th Aug AC:********£26.00

 

There are loads like this for different amounts over the years, but it doesnt actually say what they are charges for.

 

Can i still claim these?

 

Many Thanks :confused:

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I'm guessing you have an advantage gold account?

 

See here:

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

 

I'd also urge you to change to a regular current account unless of course you feel you're getting your money's worth from the AG (it seems most people don't).

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Hi

 

Thanks for the reply.

 

Its actually just a standard current acount.

 

Most of the charges are more or lest spelled out - ie referral charge, card misuse etc.

 

But i have found quite a lot that dont have any explanation just "Charges"....

ranging from around £6 up to £38

And they all seem to happen at the end of each month.

 

Thanks for the link I read it earlier but couldnt seem to find the answer.

 

Do you think i should just try to claim them?

 

Many Thanks :)

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I can only answer as I understand it for an advantage gold account, but I expect that it will be similar for any account.

 

£12 is the monthly charge for running the account, there will also be an interest charge, all the rest is reclaimable fee's

 

The £12 will be lumped in with other charges if any so might not be obvious.

 

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if its astandard account claim everything as the only thing u cant claim is a service charge - i.e advantage gold fee and u aint got one!!!!!!

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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Guest NATTIE

Embo- I have the answer and it isn't advantage Gold but unarranged borrowing. I have some links on my signature one which is charges throughout the years since 1991. Sorry I missed the thread. Can you confirm that the last charge was £28 not 26?

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I all thanks for your replies and help.

 

I managed to figure it out in the end!

My brain clicked into place - and all of a sudden I understood it.

 

Now i feel so clever - my prelim and schedule of charges went in the post last night.£4093 - without the 8% interest.

 

Perfect!

:D

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Embo, I'll be keeping up with your post (NatWest) as it seems we are both at roughly the same stage and i'm also going after a similar amount with NW. My LBA will go off next Friday, maybe before if I hear anything in the meantime ! We had the nice job of taking off all our Ad. Gold charges, but it wasn't too daunting, just took a while ! Good luck and keep us posted !

J

NatWest

 

Statements sent for - 18/09/06

Statements received (in full!) - 03/10/06

Initial letter of claim sent - 05/10/06

Offer received for £1,400 approx - 21/10/06

LBA sent with acceptance of offer as part, will pursue for the rest - 21/10/06

Reply to LBA received (forwarding to Cust. Rel to deal with) - 25/10/06

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hi embo

 

you have to send the LBA as a formality to satisfy the courts that you have engaged in reasonable communication with them.

 

they are sending pretty standard bog off letters to everyone, stick to the procedure and you'll get there in the end.

 

good luck

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Thanks

 

Yeah thats what i thought - it just seemed so final if you know what i mean...

 

But i will send LBA any way then by the time that expires I will have been paid and can drag em through court!

 

Yey! 8)

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Since I sent my approach for reypayment letter i have aquired two more charges (almost £60) shall i add these to my schedule of charges and change the total on LBA letter ?

 

My thinking is that once i file a claim with the courts and give them a figure and schedule of charges, then obviousley i cannot change it if i get any more.

 

So i am thinking up until that stage i can change the figure and the schedule of charges.

 

Does that sound ok?

 

Thanks

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Since I sent my approach for reypayment letter i have aquired two more charges (almost £60) shall i add these to my schedule of charges and change the total on LBA letter ?

 

My thinking is that once i file a claim with the courts and give them a figure and schedule of charges, then obviousley i cannot change it if i get any more.

 

So i am thinking up until that stage i can change the figure and the schedule of charges.

 

Does that sound ok?

 

Thanks

 

Yes thats fine also ring and tell them what you are doing and that any future charges will be claimed for at a later date. :grin:

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  • 3 weeks later...

Hi

 

I really could do with some help....

 

I am entering my particulars of claim - I am at this point:

 

5. Claimant claims: (a) return of the amounts debited of £4045; (b) Interest per S.69 County Courts Act 1984 of 8% - £928.25 continuing at 8% until judgment or settlement at a daily rate of £0.xx; 6. I cannot understand how to work this daily rate out!

 

Does any body explain to me how to do this?

Any help would be much appreciated.

 

Thanks in advance

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i think i have worked it out, would some body mind checking my figures - i was never any good at Maths

 

amount of claim: £4045

8% interest £928.25

 

total - £4973.25

 

times: .00022

 

= £1.094115 (daily interest)

 

is that correct?

 

ta

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Hi

 

I am in the process of filing a money claim.

 

However the schedule of charges is different now to the two that i have sent to Natwest previously.

This is because i have had extra charges which i have added, and also because i took a couple off from the front (because i didnt want to go over £5000)

 

Do you think it would be ok for me to send another (amended) copy to Stuart Higley (who has been my contact)

 

ta

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No, file at moneyclaim then:

 

Send 2 copies, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

When you receive the Notice of Acknowledgement send a copy to the bank’s solicitors.

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  • 1 month later...

Hi

 

My claim was served on Natwest on the 5th November....

And they acknowledged it about a week later.

 

The only thing i have had since then is a letter from the court saying that they intended to defend..

 

To my reckoning, on Sunday 3rd December their time is up but i havent received anything in the post since the letter from the court.

 

Should I have received something from Cobbets - with their defence etc?

I thought i would have to fill in th cpr18 (or not fill it in

 

If any one can shed any light on this i would be grateful - i am worried i have missed something?...

 

Many Thanks

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Cobbetts/Nat West seem to be one of the most awkward banks to break down at the moment and are certainly using up all their timescales permitted. You say that you filed your claim on the 5th Nov, well you should allow 5 days for this to be deemed served. They then get 14 days to acknowledge the claim. If they acknowledge, which in your case they have, they then get a further 14 days to file their defence. So basically they will get 33 days from the date you filed your claim. You should expect them to file their defence on or around 8th Dec, if they havn't done it by this date then I would advise you leave it a couple more days before filing judgement against them. Its not unusual to not receive any correspondence in this period, I felt the same thinking that maybe I'd been forgoten, its not the case though, they just seem to enjoy making us all wait!!

  • Haha 1

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hi Deller -

It was deemed served on the 5th - i filed it a few days before this..

 

As long as it is usual not to have heard from cobbets - i wont worry just yet.

 

ta

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Sorry dates wrong!! No nothing to worry about, like I said though they will get 33 days in total from the date you filed, so expect something around then!

 

In my claim they filed their defence right on day 33, typical Cobbetts.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Typical! :rolleyes:

 

I hope i get my money back before christmas - was feeling hopeful but not so sure now!

 

So after day 33 - how long was it unil you received your money?

 

:)

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