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    • so i went to sri lanka on 9th march (booked in feb) for the cricket and booked with spectrum insurance. our flights were cancelled back with emeirates so we had to rebook with sri lanka  air lines a a cost and then had to stay in the hotel for another 14 days plus other expenses . any ideas how to approach this
    • The employer should consult staff about furlough and ideally they should be transparent about what's happening, but this is all new.   Emmzzi may know more than I do.   HB
    • 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.
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devildolly

Devil Dolly v NatWest ** WON **

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Hi Guys

 

I've sent off my cheque and letter to request my statements or list of charges. Whichever they send. I have only received 2 months worth so far. How frustrating!!! :mad:

 

I just want to know how much these demons have taken off me so far. Can't wait to start the process. Will keep you posted.


:mad: Fight against Cr*pwest:-o

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Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

All the best in your claim!! :wink:

 

DELLER

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html


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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Guest NATTIE

Welcome to the CAG and Good Luck

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Hi guys

 

Sent off on 15th December. Should I count the sat and sun in the 40 days or ignore that and start from the following monday. About 3 weeks to go either way. Come on Natwest.......!


:mad: Fight against Cr*pwest:-o

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Yes include the weekends in the 40 day timescale, you are giving them more than enough time to comply with your request.


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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Still Waiting...........................:(


:mad: Fight against Cr*pwest:-o

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Guest NATTIE

Have you telephoned the DPA team, number in the contacts section because it does seem a long time to wait?

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Ok

 

I have had my statements now and the total charges are £446. Thought it was going to be less than that actually. I have had a play with the interest calculators and am going in at the compounded contractual interest rate of 29.5%. Worth a try!

 

Has anyone won with this interest. The total comes to just under £1000. I am claiming with regards to reciprocity of unarranged borrowing.

 

I will definetely need help with this claim. Have read what feels like every post. About to send prelim letter requesting charges. Should I send a breakdown of charges just in case?

 

Thanks


:mad: Fight against Cr*pwest:-o

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Ok

 

Prelim sent on Monday. Hope for the best.


:mad: Fight against Cr*pwest:-o

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Good luck!

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Ok

 

The 14 days are up tomorrow for the prelim. Should I send the next letter tomorrow or wait till friday. Getting bored of waiting now. I don't think Natwest can keep up with all the claims, and just aren't bothering to reply to letters anymore. Anyone else not heard anything.


:mad: Fight against Cr*pwest:-o

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Hi Guys.

 

Natwest have caved in on the first letter!!!!!

 

I started reading the standard bog off letter only to get to the last paragraph saying they are refunding the charges blah blah blah.

 

Cant believe it. Anyone know how long it takes for them to put the money in your account.

 

I would just like to say thanks to a great website, and helpful people. Wouldn't have got this far otherwise. Thanks for the advice.

 

P.s Off to book a holiday now.

 

devil dolly x

 

p.p.s could a mod move this to won please.


:mad: Fight against Cr*pwest:-o

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Guest NATTIE

Congratulations!!

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CONGRATULATIONS

 

please complete ur survey

Donation ;)


 

 

 

 

 

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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Congratulations Devil!

 

did you get the contractual as well?

 

I want to go for contractual but getting confused by all the threads about it!

 

SP


NatWest CLAIM

3.02.07 - S.A.R (Subject Access Request) sent to NatWest

06.02.07 - RM confirm S.A.R - (Subject Access Request) delivered

13.02.07 - Acknowledgement letter received from NatWest

14.02.07 - 6 years worth statements arrived

21.02.07 - prelim sent - 22.02.07 - RM confirm prelim delivered

09.03.07 - L.B.A. sent recorded delvery - 12.03.07. Rm confirm delivery

15.03.07 - Offer received (dated 07.03.07)

 

LLOYDS TSB CLAIM

12.02.07 - S.A.R. sent recorded delivery

22.02.07 - recorded delivery still not delivered!

15.03.07 - first lot of statements received

17.03.07 - 40 envelopes received!!

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CONGRATULATIONS!!!!

HOPE YOU HAVE A NICE HOLIDAY:)

TRISH


If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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Congrats!

 

I sent my LBA off yesterday, 14 day deadline is my birfday, a cheque before then would be a loverly present!

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Hi Guys.

 

NatWest have caved in on the first letter!!!!!

 

I started reading the standard bog off letter only to get to the last paragraph saying they are refunding the charges blah blah blah.

 

Cant believe it. Anyone know how long it takes for them to put the money in your account.

 

I would just like to say thanks to a great website, and helpful people. Wouldn't have got this far otherwise. Thanks for the advice.

 

P.s Off to book a holiday now.

 

devil dolly x

 

p.p.s could a mod move this to won please.

 

 

Did they settle in full with the interest you claimed?

 

I have been told from ringing CRU that a letter is on it's way out to me for my claim less interest. Their time is up from the LBA yesterday and don't know whether to sue or hold fire?

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