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Banks above the law Parkvale. Lol. Be careful, Nattie will be after your backside. Lol. Fendy xxx

 

But totally agree.

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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What for stating the truth ? Nattie and i get on very well. We have one major difference of opinion. He likes Nat West and i despise them, but we are both fighting for the same course.The obscene level of these bank charges inflicted on Nat West's customers.

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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I know Parkvale. I know. It was a joke, cos hes getting on his soap box a bit lately when peeps have a pop at nasty west. I love Nattie too. Hes such a help, but it does make me laugh when he rushes to their defence every time somebody says something naughty about them. Hes such a loyal little soul...........................

 

Personally I hate them, but to be honest, I think theyre all pretty much the same. BANKS.............. Have yet to come across one that gives a chuff about its customers......... Lol. Fend 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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Yep, still a way to go, but boy, can I see light at the end of that big ol tunnel:D :D

 

So, should I now be getting ready a court bundle or shall I wait and see what develops ?

TBH, I havent really looked much further than my nose as I have the attention span of a goldfish,and have dealt with each stage as I've come across it really.

 

Is there anything in particular I should be doing/reading /researching and if there is ,could someone point me in the right direction please !?

 

I'm a girl guide at heart and believe in being prepared lol;)

 

I've got a feeling that everything will all happen at once ,as I have just filed N1's on both MBNA and 1st Crudit for non compliance and an application for a set aside of CCJ

 

If you fancy taking a look at my battle its here

 

http://www.consumeractiongroup.co.uk/forum/general-debt/57495-1st-credit-mbna-applying.html

 

I'm quite proud of myself actually, as I had a final charging order hearing last wednesday and despite the slimy solicitor asking for it to be made final, the judge found in my favour and gave me a stay of 28 days to counter claim !

 

I have the CAG to thank for that !

 

The court clerk is amazed by my knowledge and she said to me yesterday, " have you learnt all this off the internet ?"

I gave her the CAG web addy and she said she will take a look.

 

 

So, a lot going on for moi at the moment !

 

I dont want any nasty suprises, so if I should be doing something can someone please tell me !!!!

 

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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Dont think you need any help. Sound like youre doing brilliantly to me. Keep up the good work. Fendy xxxxxxxxxx What a star.

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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Thanks Fendy:)

 

I see you're a fellow yorky, lovely day here in Wakey, the sun is out, the birds are singing and all feels well with my little world lol:D ;)

 

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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Also lovely, sunny and warm on the North York Moors today as well. Between the three of us we have Yorky covered.

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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Tis blissful here too in Haworth/Oakworth. Blissfull, but waiting for the Cobblers defence isnt. Lol. xxxxxxxx Must be find something productive to do whilst I wait. Lol. Best of Luck, but I think you KNOW EXACTLY WHAT YOU ARE DOING. You will walk it. Fend xxx

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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Blimey hope you are popular, you've even got folks discussing the weather on your thread:D:D

 

I'd wait and see how things pan out, no point in rushing.

I got my bundle partially together on the computer but didn't print it off. The likelihood is they'll settle before you need to go down that route but it's good to be prepared.

I also had a look at the AQ and downloaded the template, but that's just me being over organised!!!!

 

But, I figure you already know all this. Keep up the good work, you'll get there no probs;)

: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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Guest NATTIE

You will all be pleased that i will not be up anyones backside tonight!! But the last few weeks have be kinda getting to me on the forums so i am considering a break to get the batteries up to their usual level where some comments do not annoy me to so much of an extent. Not sure as yet.

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You will all be pleased that i will not be up anyones backside tonight!! But the last few weeks have be kinda getting to me on the forums so i am considering a break to get the batteries up to their usual level where some comments do not annoy me to so much of an extent. Not sure as yet.

 

Dear ole NATTIE,

 

I think you should consider re-wording your last comment, after all you do not want to atract the wrong sort of attention now do you?:D:D or do you?;);)

 

A break is good, and boy have you earned it. Your advice is invaluable and i for one will not begrudge you that:)

: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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Nattie,

Your work on here is, brilliant, helpful, informative and absolutely essential. Our views may differ on your employer, but as i have said previously. We are both fighting for what we believe is a wrong doing on innocent people. Your position is

extremely difficult, because it is not me that must face your colleagues at work everyday and possibly bite your tongue on many occasions. I do understand and admire your loyalty to Nat West. I would hazard a guess and say that you have been employed with them for a number of years. Therefore the position you take up on this wonderful site is even more daunting than i think alot of us realise.

Nattie take your well earned break, but don't stay away to long. There are alot of people ,present and future who will need your invaluable help.

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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Spoken like a trooper. Again, agree 110% with every fine word Parkvale.

 

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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Hi all:)

 

I have to agree with the other comments Nattie.

 

I think you are fantastic and a very loyal person,and I imagine that you are sometimes pretty torn when it comes to work/personal split.

 

I also imagine it takes quite a lot from you to bite your tongue !

 

When I first found the CAG Nattie was one of the first peeps to help and guide me,and I have found ever since that he has never let me down when I've asked something of him.

 

If you feel like a break,then take it Nattie. You really have earnt yourself a BIG holiday !!!

 

 

 

OK.

 

Recieved notice of issue yesterday !

N1 was deemed served 24th March so they have until 10th April to reply.

 

WOOOOOOOHOOOOOO !!!!!!!

 

So, Let me get this straight. If they dont respond I win.

 

If they do respond by 10 th April , they have 28 days(does the 28 days run from when they respond, or from when they were deemed served ie 24th March ?)

 

Just trying to calculate how much longer til its all finished !!!

 

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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OK.

 

Recieved notice of issue yesterday !

N1 was deemed served 24th March so they have until 10th April to reply.

 

WOOOOOOOHOOOOOO !!!!!!!

 

So, Let me get this straight. If they dont respond I win.

 

If they do respond by 10 th April , they have 28 days(does the 28 days run from when they respond, or from when they were deemed served ie 24th March ?)

 

Just trying to calculate how much longer til its all finished !!!

 

Hope xx

 

 

14 days from when the claim is deemed served to acknowledge the claim, should they not you can apply for judgement. Should the acknowledge they have a further 14 days to enter a defence, again should they fail you can apply for judgement.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Its like this, they have till 10th April to respond saying they will defend or not. Trust me, they will respond and they will tick the box saying they will defend. They then get a further 14 days, so basically 28 days from date of notice deemed to have been served on in total. But, bear in mind, there are a couple of bank holidays and you dont count them, so that makes it 30 days.......... but hang fire, dont rush to judgement straight away after 30 days. Let them have a few days more, otherwise the last thing you want on your hands is a stay...... dragging it out further.............. the courts at the mo have gotten into the habit of giving them longer to file defence. Dunno why, I know its not fair, one rule for us mere mortals and one rule for them being higher than mighty banks and all, but they have been allowing them longer to submit defence. Just sit back and wait. Although be prepared because Cobblers, are likely to literally submit defence day before deadline expires. They do that, a lot. So expect to have to fill in AQ and even prepare court bundle etc. etc. dragging it out further, but dont worry. End result is the same. IT WILL TAKE LONGER BUT YOU WILL GET YOUR SPONDOOLIES. ALL OF THEM. EVERY LAST PENNY. All the best. Fendy xxx

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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Thanks LL and Fendy:)

 

Patience is a virtue and all that !

At least I know that by the end of april it should be in the bag.I fully expect them to defend.

 

I heard on the news last night that bank re-claims have gone up 4000% in the last year !

 

It's about time they stopped wasting our time and just paid out.

We've all won before we've even started.:D

 

I know diddly about AQ and CPR 18 and court bundle,so I think I had better take a peek :confused:

 

Hope x

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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Tisnt scarey. Just a case of reading lots......... Take Care, and put your patience hat on. 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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Excellent news, hope.

 

Drinks will definately be on you soon enough my friend.

: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 all:)

 

Nothing to report yet !

 

I havent heard a thing from NW and the patience is killing me lol !

 

If I was a paranoid type of gal, I would think this is all part of the carry-on and another way of making me nervous ;)

 

 

Really,joking aside it would be nice to have some sort of response.Maybe they wont acknowledge and I win by default ?not very likely, I know !

 

I will have a read of some NW sucess threads to see what tactics are likely to be used, but I have a feeling it will be the long game ....

 

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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Hope change your name to Certainty, because you may have to wait. But its a certainty you will get your money back .;)

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:D

 

IT feels quite strange to be nearing the end of the process and I feel at ease with it all really !

 

I wonder if they'll pay it into the defaulted account and it will get swallowed by the o/d or if they will send me a cheque so I can go on a mad-un round leeds !

 

Hey-ho it's all good !

 

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 hope,

 

are you beginning to smell it hun...the sweet smell of success!!!!!

 

Rest assured it's a coming;)

: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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