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Hi hope..

 

It looks as though you have had lots of responses regarding your query... which is good. Lots of them varied which should, in some ways, reassure you that you are not doing anything wrong. it's just that that there are lots of different approaches to the court claim.

 

Now that you have lots of info... do what you feel is best. Sometimes you have just get to make a choice one way or the other and niether is necessarily the 'right' way, they are just different approaches.

 

Good luck for what ever you decide to do on Wednesday...

 

If you need any one to talk things through... just give us all a shout... there's always someone lurking in the shadows, even at ungodly hours in the morning...ha!

 

Maxine

:-)

Moodle

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Thanks to you all for taking the time to reply, you guys are great !

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 know what happened there sent last post by mistake lol !

 

I think i'm going to sleep on it and maybe have a final tweak of the details in the morning.....

 

 

I'll let you know what i'm going to do in the morning:shock:

 

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 all:)

 

My poor little printer !

Its never had so much to do !

 

N1,POC AND SOC all been printed x 3.And signed and dated.

 

After a lot of swaying to one side,then the other, I have decided to keep all 3 rates of interest in.

 

As Maxine said in an earlier post,there is no right or wrong way to do this.

Its all about what approach you want to take,and after much thought, I decided to leave all 3 rates in.

 

My reason for this is that I offered NW in my rejection letter, the lower rate of CI ,if they were prepared to settle by return ,and said it was my gesture of goodwill for early completion.

 

I dont want the legal team at NW to have any reason to have my claim struck out and want to be sound in my argument if it comes to it.

At least I can say I have been fair in my claim and have made every effort to settle this claim out of court so as not to waste court time,at my own expense by being prepared to settle for a reduced figure ,and I am prepared again to offer the lower rate of CI to expedite matters.

 

Does that make sense ?

Its really hard to get across my point sometimes in writing but I know what i mean even if no-one else does lol !

 

So all three stay.I feel comfortable with my choice and feel that for me,it is the right choice.

 

I just want to thank the three m's,

maxine,milly,and muggins for all your help and support to date.You have been like an inner voice ! and always post when i get stuck. Thanks Guys !:)

 

I am going to be in court tomorrow at 1015, fighting to stop a final charging order being granted,(1st credit/mbna)so will file N1 before/after that.

I am a little nervous about going to court as I have never set foot inside one before and I hope I conduct myself appropriatley.

 

What do I wear !

 

Cant believe i'm worried about my conduct/apperance,but not worried in the slightest about the actual case.

That must mean I am pretty confident with my argument 1st Credit:D

 

 

Catch u laters !

 

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 Guys !:(

 

N1 filed today !:D

YE-HAAAA !

 

Not sure whats happens now really ?

Is there anywhere specific that I can read up on issuing N1 and what the next stage is etc ?

I've had a look but cant seem to find it

 

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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thereshope,

have a look through these :http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

  • Haha 1

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 PV .:)

I knew i'd seen it somewhere but couldnt remember where exactly !

 

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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The true cost is the reason why the banks have never defended in a court yet.

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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Well, how long do you all reckon before peeps start using the programmes costings aproximations in their court claims against the banks. Came from the horses mouth, lady working for yorkshire bank in costings dept. And furthermore, how long before you think government still actually step in and do something to change this now they know how much it really costs. Cant we start a petition on the Number 10 site against this, to get law changed. worth a try. Or has somebody already tried that. Ahaha, but now we have evidence to back it up with. Ummmmmm, its certainly food for thought today for everybody isnt it. 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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Whistleblower !

What an eyeopener !

 

Makes me want to draw all my money out the bank and hide it under my mattress lol.

 

Oh, I cant ! Looks like im in my O/d :D

 

That was scary stuff.

 

(edit)

 

Hopefully this will pave the way for us all .

 

 

 

So, I sit back and wait a wee while now......

 

 

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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Yep Im at that sit back and wait stage. Its a nightmare. The waiting is worse than when youre actually engaged in some form of action with the whole process. It stinks.......... waiting waiting waiting. Lol. Fendy xxx Still think Nattie was the NATWESTSTAFFMEMBER on Whistleblower last night. His silence speaks volumes. Lol Lol. 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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9p!!!

 

9p!

 

That's how much it costs.

 

 

It makes you sick doesnt it:mad: If I were the court I would chuck out ALL defences they give now cos they are talkin utter ****e! OOOPSS!!!!!

 

Milly X

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi Guys !:(

 

N1 filed today !:D

YE-HAAAA !

 

Not sure whats happens now really ?

Is there anywhere specific that I can read up on issuing N1 and what the next stage is etc ?

I've had a look but cant seem to find it

 

Thanks

Hope xx

 

Hi hope you have to wait for your claim to be issued and served on the defendant. You will get a notice from the court and that will tell you the date NW have to acknowledge you {14 day]} from being served. If they don't you can file for jugement. If they do that buys them another 14 days {total of 28 days from deemed served date} before defence has to be filed. If they do not do this then you file for judgement.

 

Past here I have not been cos I have had the claims settled without a defence being filed. But do not worry hun...lots of lovely peeps on here to help!!!:)

 

 

Milly XXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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28 days and counting then !

 

Bet they defend !

 

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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They usually get their defence in ar the last moment , but you never know. ;)

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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Hi Guys !:(

 

N1 filed today !:D

YE-HAAAA !

 

Not sure whats happens now really ?

Is there anywhere specific that I can read up on issuing N1 and what the next stage is etc ?

I've had a look but cant seem to find it

 

Thanks

Hope xx

 

Have a look at my thread it may give you an idea of what will happen next....., looks like we are about 4 weeks apart.. if i can help with any replies to cobbets or anything else let me know..

 

Good luck.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/56352-josa-natwest-6-years.html

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Hi all:)

 

Just back from court( I was filing for non compliance on both MBNA and 1st Credit and applying for a set aside of CCJ - busy times lol) and I asked about the N1 that I filed last wednesday on NW.

 

The clerk said they had been very busy clearing a back-log, but they were up to date now so should get notice in the next day or so.

 

It's getting exciting now:-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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Exiciting ? Its amazing the confidence you obtain as you progress, and of course it is exciting the thought of receiving all your hard earned dosh taken so deceitfully and unlawfully by a bank that thought and still thinks they are above the law. Definately exciting. ;)

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 how you feel.

 

Once you reach this stage it's such an adrenalin rush. Unfortunately, there is more waiting to be had, but gosh is it worth it: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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