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    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
    • Note that most experts believe that re infection cases are faulty tests. Plus there are always a small number of people who can get something twice. I can attest to this as I was unfortunate enough to get Chicken Pox again as an adult, something I wouldn’t wish on anybody.
    • Post 16  https://www.consumeractiongroup.co.uk/topic/420400-vcs-spycar-pcn-no-stopping-southend-airport/?tab=comments#comment-5040496   Post 23  https://www.consumeractiongroup.co.uk/topic/419312-vcs-pcn-no-stopping-in-restricted-zone-bristol-airport/#comments   Here are two good examples.  Tweak them according to your circumstances and post up what you intend to send.
    • FCA announcement 9/4/20 From interest-free overdrafts to credit card payments, the FCA has told banks to help borrowers during coronavirus crisis: What will it mean for you? The FCA said banks must offer interest-free overdraft buffers of £500 It also said people could put their credit card repayments on hold for 3 months This would not affect their credit score but they would still be charged interest This is Money explains what the proposals mean for consumers     https://www.dailymail.co.uk/money/cardsloans/article-8203647/What-todays-new-FCA-debt-measures-mean-you.html   https://www.fca.org.uk/news/press-releases/fca-confirms-temporary-financial-relief-customers-impacted-coronavirus
    • From interest-free overdrafts to credit card payments, the FCA has told banks to help borrowers during coronavirus crisis: What will it mean for you? The FCA said banks must offer interest-free overdraft buffers of £500 It also said people could put their credit card repayments on hold for 3 months This would not affect their credit score but they would still be charged interest This is Money explains what the proposals mean for consumers     https://www.dailymail.co.uk/money/cardsloans/article-8203647/What-todays-new-FCA-debt-measures-mean-you.html   https://www.fca.org.uk/news/press-releases/fca-confirms-temporary-financial-relief-customers-impacted-coronavirus
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chaz21uk

Chaz vs Natwest

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Hi Guys,

 

I'm new to this site but have just spent the past 4 hours reading about how to claim back bank charges (very good site may I add).

 

Just need to clarify a few things, when it says make a schedule does this mean a schedule of every charge and the interest applied to my account for the past 3 years? And if so do I send this to the bank with my prelim letter?

 

Cheers

Chaz :)


03/01/07 Posted prelim letter.

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Hi Chaz.

The best way to prepare your schedule of charges in by means of a spreadsheet, which will calculate the interest as well. You'll find them in the templates library. Send a copy to the bank with your letters.

Remember that you can claim back up to 6 years.

 

If you have spent 4 hours reading, then you are not doing yourself justice. There is so much information here that it can take days or even weeks to get your head round it.

 

This is a self-help forum.... the more effort you put in, the easier and

more enjoyable your claim will be.

 

Regards, Rooster.

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If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Cheers Rooster

 

I only went back 3 years as that's how long i've had my overdraft for so won't have any charges back further than that as never used the bank account before then.

 

I'm a little confused on the interest side of things, I get charged around 7 quid interest a month and get a charge of 28 quid from natwest? I downloaded one of the speadsheets it was the first one in the library?

 

Chaz :confused:


03/01/07 Posted prelim letter.

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Guest NATTIE

£28 is unarranged borrowing which is claimable. Can you confirm you did not have an advantage Gold account? It can be quite complicated.

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I did have an advantage gold account but i cancelled that a long time ago, why will it be difficult?


03/01/07 Posted prelim letter.

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Because some of the charges could include the adv gold fee, which is non reclaimable. You'll need extract any adv gold fees from what you want to claim.

 

Have a look at this thread.

 

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

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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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Cheers for that, I haven't had an advantage gold account for about the past 2 yeas so there shouldn't be many charges for ADG so I will take into cosideration those charges when I add the charges to the spreadsheet.

 

Also which is the best spreadsheet to use?

 

And how do I find out how much Interest they charge me per month on my Overdraft?

 

Many thanks


03/01/07 Posted prelim letter.

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Well I sent the letter to the bank but forgot to send the speadsheet of charges with it, does it matter that I didn't send that?

 

Had an interesting call today too from the bank saying they can up my overdraft limit and they have also wavered a charge for the end of Feburary.

 

But still going to get charged 60 quid for two direct debits they have paid for me!!! :mad:


03/01/07 Posted prelim letter.

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You really should have included the schedule, as this is the explanatory breakdown of the charges you wish to reclaim.

My advice would be to send the letter again, this time with the schedule!!


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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Nice one cheers for that, i'll send another letter tomorrow with the schedule of charges and interest, and await their response.

 

It also means I can add the other charges onto it for december.


03/01/07 Posted prelim letter.

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Remember your schedule may be required as evidence.


My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Ok i'll make sure to get it sorted, can I just add all the details onto a normal excel spreadsheet or is it best to use the ones in the library?


03/01/07 Posted prelim letter.

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Makes no difference, whichever you find easier, just as long as it is correct.


My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Far better to use the ones in the library as they will automatically calculate the 8% interest for you which is reclaimable once you reach the stage of filing your claim through the courts.


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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Thanks Deller, the info is very much appreciated i'll use the one from the library and get it sorted and sent out tomorrow.

 

This forum's been a great help and i'll be sure to make a donation if I get me dosh back! ;)


03/01/07 Posted prelim letter.

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One more quick question, what's the best address to send the Prelim letter off to?


03/01/07 Posted prelim letter.

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I sent both prelim letter and LBA to my local branch and it did the job.


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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Cheers Deller i'll just send it to the Branch then. :)


03/01/07 Posted prelim letter.

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Guest NATTIE

NO NO NO here is some inside information for everyone. NatWest branches lending centres debt management are no longer dealing with charges letters in any shape form or discription. Customer Relations Unit deal with all charges related letter. If you send it to the branch it will be taken out of one envelope and put into another for Customer Relations Unit in Borehamwood. Is this a delaying tactic by claimers?:D

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Ok ok i'll send it to those guys, right one more question when entering the information onto the spreadsheet do I add in the Interest Charges I recieved.

 

I.E on my bank statement it shows;

 

30 July 04

Interest 04JUL A/C XXXXXXXX £13.45

Charges 02JUL A/C XXXXXXXX £29.00 but 9 quid of this is ADVG

 

So do I enter the interest into the spreadsheet aswell?


03/01/07 Posted prelim letter.

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Hi people,

 

Natwesty can I just confirm that the prelim letter is best going to Borehamwood as I have also read that it is best being sent to Bishopgate:confused:


4th Dec 2006 : Posted S.A.R - (Subject Access Request) :o

18th Dec 2006 ; Received Statements :)

28th Dec 2006 ; Posted prelim letter (£3351.00) :rolleyes:

11th Jan 2007 : Reply, still investigating :x

16th Jan 2007 : Posted LBA (£3331.00/£556.00) :-(

31st Jan 2007 : Bank make offer of £3331.00 :D

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Hi Guys,

 

I have received two letters from Natwest today from Stuart Higley, after sending two letters on the 3rd Jan claiming for my charges back of £1177, they have replied offering me the full amount of charges but not the Interest I have been charged. Also the first letter they have sent me is dated the 9th Jan offering me £1133 and the 2nd offering me £1177 so i'm just wondering if I sign both and send them back what do you recon on the them sending me a cheque for both amounts? Cheeky I know but they screwed me so i'm quite prepared to screw them!


03/01/07 Posted prelim letter.

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Guest NATTIE

The answer is Borehamwood address

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Well just want to let everyone know, my claim seemed to be quite easy too........I received a letter today offering me a full refund of charges but not the intrest so have taken them up on the offer and sent back the reply today, does anyone know how long it will be until they actually pay up if they receive the letters back on Monday?


03/01/07 Posted prelim letter.

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My guess is it wont be too long at all, but it's always a good idea to air on the side of caution.

 

I am surprised to see that your claim has gone so well, especially as the amount you are claiming for isn't exactly small:confused: Usually, this is what happens for much smaller amounts of money.

 

Here's hoping that everything is as it seems. I'll wait until you actually get all the money you've asked for is in your hands before we crack open the champers;)


: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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