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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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thereshope! v natwest ****WON****


thereshope!
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aha didnt i try to say that earlier;)

 

Nope:) 'Cause hopes offer does not include the interest she's reclaiming!!!!

: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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just read in another thread you ask for £2000 they offer £2000 thats what you get claim over

thought i did;) ;) ;)

 

well it sort of means the same doesnt it lol

I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

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In a round about, sort of way, yep:p

: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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I apologise for the hijacking hope:)

saint-luco we really must chat like this in our own threads, poor hope, she must be feelin' rather left out!!!

: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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If you are offered the full amount requested and it is without further conditions, you must accept it. This applies to ANY stage of your claim but be sure that the payment includes all interest and court costs if you have started your action through the courts.

Therefore,

the std template letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.htmlis the one to use just adjust to suit ie. add in the part that as a goodwill gesture you are willing to reduce the contractual interest claimed from 29.69% to 15%. At the bottom inform them that you want your money to be paid by a cheque.

Hope this helps.

By-the-way it is good to hear that you are sticking to your guns;)

Hi,

I've been offered full amount without conditions. They want to pay them back into closed accounts. You just have to hope they will issue cheques becuase if they don't we are up the creek.

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Chat away guys !

 

I was over in muggins thread having a look through, so taken me a while to read all 11 pages !!!

 

Thanks for the link muggins.Totally knacked so will amend/print tomorrow when my head more together !!

 

Up at 0430 for work tomoz(2nt ?) so gonna take off soon or I will be a total zombie at work.

 

But you guys are free to chat in ma thread while i'm away.Not chucking out time yet :D :D

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Hi Nitrus

 

Did they actually say they were going to pay charges directly into your account,or issue a cheque ?

 

When you say closed account,is it a defaulted account or have you actually closed the accont down when it wasn't in a minus figure.?

 

If its a default account,it isnt technically closed cos you 'owe' them, so yep, you and me both up the creek without a paddle if we cant persuade them to write a cheque:sad:

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Hi,

Actually you know what I've never closed it down it's defaulted by about 2 years.

The letter says:

BLAH BLAH BLAH in this instance we are prepared to offer the amount of £xxxx paid direct to your account.

I have to mention though that the amount they owe is at least twice what I owe them.

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Chat away guys !

 

I was over in muggins thread having a look through, so taken me a while to read all 11 pages !!!

 

Thanks for the link muggins.Totally knacked so will amend/print tomorrow when my head more together !!

 

Up at 0430 for work tomoz(2nt ?) so gonna take off soon or I will be a total zombie at work.

 

But you guys are free to chat in ma thread while i'm away.Not chucking out time yet :D :D

 

You are so accommodating!!!!!!

 

Hi,

Actually you know what I've never closed it down it's defaulted by about 2 years.

The letter says:

 

I have to mention though that the amount they owe is at least twice what I owe them.

 

Then in some respects it's all good. Let them pay it into your account, pay off your debt, and withdraw the remainder!!!!

: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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Hi muggins,

 

Sorry to hijack folks. I have been sent a court date and am getting my court bundle ready. If they settle the full amount either before or at the hearing I am hoping they will give me a cheque, seems to me if it goes the whole way that is what they may have to do??? My account was defaulted.

 

My thread is on Grazel v NatWest

 

Thanks

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Hi grazel

 

Think they can settle by bank transfer TBH .

 

A lot of people are also getting cheques that have to be paid into specific accounts.

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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You are so accommodating!!

 

 

 

Sure am muggins ! :D

 

You have eclusive rights to hang out in my thread whenever you want cos youv'e been so helpul.

 

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Hi grazel

 

A lot of people are also getting cheques that have to be paid into specific accounts.

 

NATTIE has advised that this is meerly a fraud prevention thingy bob, and should not affect which account you put the cheque in to.

 

You have eclusive rights to hang out in my thread whenever you want cos youv'e been so helpul.

Hope xx

 

Why thank you kind person (think you're a lady but you never know!!!);)

: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

 

Link to post
Share on other sites

Hi guys :D

 

Would someone please have a read of my letter and let me know what you think ?

 

Pretty rubbish at spelling and have done a spell check but dont think its corrected some of my words ?

 

If you see a mistake can you let me know so I dont look a complete mupster when NW read it lol !!

 

Is the content ok ?

 

Be brutal if you think it warrants it .I can handle it;-)

 

I have given them longer to settle cos it suits my work commitments and I wont get chance to continue with next stage until 22nd feb anyway,so no skin off my nose !

 

 

 

 

 

 

12th February 2007

 

 

National Westminster Bank PLC

Ground Floor

National Westminster House

225 Shenley Road

Borehamwood

WD6 1TE

Re: Account number

 

 

Response to settlement offer.

 

Dear Mr. Higley

 

Thank you for your letter dated 7th Feb 2007.I respectfully decline your offer of Full and Final settlement.

 

 

I shall be commencing court action on 22nd Feb 07 for the full amount claimed.

 

 

I also reject the further conditions of acceptance that you have attached to this offer. Namely that you have failed to take into account contractual interest, calculated at 29.69% and detailed on my schedule of charges along with penalty charges.

 

 

However, as a gesture of goodwill, I am prepared to lower the contractual interest rate to 15% on the condition that this claim is accepted in its entirety and settlement is agreed and finalized by 22nd Feb 2007.

 

 

After this time, my offer will be recindered and the claim will revert back to the original claim of penalty charges and contractual interest at 29.69. %

 

 

I would like to remind you that interest is accruing daily, so early settlement would be to the banks advantage.

 

 

At this time I wish to stress that I do not accept your offer as Full and Final settlement and if any money is transferred to my account it should not be viewed as my acceptance, and in this instance, I hereby authorize you to remove this sum accordingly.

 

 

I also require that this claim is paid in full by cheque.

 

 

 

I trust this clarifies my position.

 

 

Yours faithfully

 

 

 

 

 

Thereshope!

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Helloooooooooooooo.......

 

 

Muggins, are you there ? :D

 

 

Pretty pretty please with cherries on top !!!

 

 

Is it good to go ?

 

 

Hope xx

 

p.s yep i'm a lady. Well,that could be open to interpretation,as got all the lady bits but lacking in the refined stakes :lol:

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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I'm here and I've made my suggestions in red. These are only suggestion if you dont like, then dont use.

Hope it helps anyway.

 

Hi guys :D

 

Would someone please have a read of my letter and let me know what you think ?

 

Pretty rubbish at spelling and have done a spell check but dont think its corrected some of my words ?

 

If you see a mistake can you let me know so I dont look a complete mupster when NW read it lol !!

 

Is the content ok ?

 

Be brutal if you think it warrants it .I can handle it;-)

 

I have given them longer to settle cos it suits my work commitments and I wont get chance to continue with next stage until 22nd feb anyway,so no skin off my nose !

 

 

 

 

 

 

12th February 2007

 

 

National Westminster Bank PLC

Ground Floor

National Westminster House

225 Shenley Road

Borehamwood

WD6 1TE

 

Your ref:the letter they sent should have a reference

 

Re: Account number

 

Dear Mr Higley,

 

Response to settlement offer.

 

 

Thank you for your letter dated 7th Feb 2007.

 

I respectfully decline your offer of Full and Final settlement, and request once again, that you return to me all charges imposed on my account including the contractual interest @ 29.69%, which together with the daily rate of £0.00022 are now totalling £XXXXX. I enclose an updated schedule of charges for your files.

 

Failing this, I shall be commencing court action on 22nd Feb 07 for the full amount claimed.

 

However,and as a gesture of goodwill, I am prepared to lower the contractual interest rate to 15% on the condition that this claim is accepted in its entirety and full settlement is agreed and finalized by 22nd Feb 2007. After this time, my offer will be recindered (can't find recindered in my dictionary, nearest to is: recited) and the claim will revert back to the original claim of penalty charges and contractual interest at 29.69. %

 

I am also not prepared to agree to any confidentiality clauses you try to impose, unless of course you wish to make an offer of due consideration in addition to the amount of £xxxxx (I put £2,000) in order to be afforded thi spriviledge by myself.

I also require that my claim is paid in full by cheque.

 

I trust this clarifies my position.

 

Yours faithfully

 

 

 

 

 

Thereshope!

: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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Thanks for taking a look muggins,and I agree your draft looks more complete,so I will make the changes.

 

At the risk of sounding stoopid you have added a paragraph mentioning daily interest rate of £0.00022. What is this daily interest rate and how do i calculate it.

Thought I couldnt claim any other interest if claiming contractual ?

 

Thanks

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Might have a point there hope, as I didn't go down that route, not 100%

I just added bits n' bobs from the letter I draughted, didn't take into account the contractual bit. Just to be on the safe side scrap that bit, if you like.

: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

 

Link to post
Share on other sites

Think it may be resinded

 

Nope, that's not in my dictionary either (unless my particular collins dictionary is a load of ****:D)

: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

 

Link to post
Share on other sites

Hi muggins and grazel

 

I guess if I cant spell it then I shouldnt use it lol !!!:D

 

Its a term that ive heard at work, that is used in the context of something that has been earned , but is then withdrawn due to someones breaking the rules or negative/ poor behaviour !

 

Thought it sounded good but guess I should use another word as not a 100% on its spelling !

 

Think that the interest you have mentioned muggins is the statutory 8% that is calculated when you get to court stage so will omit it from my letter(saw it mentioned in lucids thread)

 

 

Hope xxx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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