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    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
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      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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miss_CORErupted vs Natwest


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Hi i'm new to the site and i have been reading up loads threads

Unfortunatley i have just manged to confuse myself

 

I have 2 bank accounts with Natwest and i'm going to start claiming my bank charges back. I have all my statements so i have gone though and worked out how much i'm owed (£500 and £2000 approx). SO now what do i do? to be blunt

 

Any help would be gratefully recieved :)

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Hi and Welcome!!!!

theres a step by step guide in the FAQ section and a lot of usefull advice, so id have another read of it :)

sounds like your next step is to put all the charges (one account at a time) into one of Vamps spreadsheets and get your Prelimiary request for repayment letter ready!

good luck.

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Can i just do my own spreadsheet on Excel???

cause i really can't find the other 1 and now i got up the nerve to do this i need to move quickly!!!

 

 

Also should i set up a spare bank account just in case (i'm currently £1000 o/d)??

 

thanks

 

Brilliant website btw

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Guest Scarletrose

Hi miss Corerupted,

 

i dunno about claiming them both at the same time i would say its entirely up yo you, i know no rules that say you cant but i dont know for sure. this isnt gospel but the smaller amounts ie the £500 claim seem to get paid out faster, but i'm not sure if you do them at the same time it will, the other factor is if you do them both at the same time, if or when it gets to mcol stage it will mean finding 2 lots of mcol fee and 2 lots of AQ fee, i really dont know wot to suggest to you, i'm sure someone else could advise you on this.

 

with regards to setting up a parachute account ie another bank account with a different bank yes definetely do it.

 

i hope this helps

 

scarlet

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Cool thanks for the help

 

I'll def open a new account now and then should i transfer my pay and dd etc over in preperation??

 

I think i can claim the 2 amounts sep as it's 2 sep accounts and i can claim the fees back as well can't i??

 

i may need my hand holding though this as i'm crap with money, writing letters and confrontation (i hope to god court doesn't come up) hehe

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Guest Scarletrose

i'll do me best to help you miss

 

yes do the other account with d/ds pay etc, do you owe an overdrat on the other acconut if so be a good idea to make an arrangement to pay it off with wot you can afford until your claim comes in,

 

yes you can claim the fees back

 

hope this helps

 

scarlet

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Right i've applied for a A&l account cause it comes with a interest free o/d for a year and they can transfer everything over (fingers crossed now)

 

totted up my main NatWest account it comes to a grand total off £2308 and with the 8% it's £2742.

 

i'll make sure everything goes though with a&l before i send the letter off

 

i was charged over £600 in 1 month!!!!!

 

i can't belive it the scappy [edit]

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miss corerupted- 8% is at the time you file at court stage. You can claim interest on the charges at contractual rate, the bank's contractual rate which is higher than 8%

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right i had enuf of natwest!!

 

during my review on the phone the lady told me being constantly in my o/d (to the tune of £1150) that i'm getting a bad credit rating from that anyways that's not the prob, she suggested getting a loan to pay it off!!! i explained the last thing i want is another loan, she told be that the repayments would only be £69 a month!! i said if i could afford that i would have paid the o/d off by now.

 

Well the loan agreement came throught the door the other day, after i said i didn't want it!!!!

 

Also the font in t&c must be about 2-3mms big!! i've never seen it so small. I can't read it or understand it. I'm dislex which i think i will make them aware of and ask for the terms in palin english hehe

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hi miss just read your thread. i claimed for 2 seperate natwest accounts on one claim and had it settled in full with no problems so there is no reason u should do 2 claims. also i thought u said u were transfrerring your overdraft to a&l as its interest free. i would tear the loan agreement up from nawest and dont sign it - get rid of natwestand start afresh. i was told that my credit rating was bad and getting worse via natwest yet joined lloyds and was offered a premier acct the best u can get and told that on a scale of 1(low)-10(high) my score was 9!!!! get it moving girl ang get ya money back x

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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yeh got my a&l stuff though with my o/d matched and interst free!!!

 

so i'm moving my salary etc as i type!!

 

NatWest just annoyed basically felt like they threatening me with bad credit but a&l gave me a premier account so it can't be that bad

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it's gone!!! into teeny tiny bits hehe

complets waste of paper tbh

 

I have a quick question

 

I ahve sat down worked out what they owe me (i kept all my statements under my bed)

 

Do i still need to do the letter to get all my info?? i think its the SAR??

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yeh natwest dont keep any records of manual interventions so the sar wont come up with anything if i were u id send it as if (which i doubt) u end up in court u have done it. u could just proceed with your prelim and sar etc whilst u wait for it though as u have the info u need already, then, if the time comes to go to court u can prove u have requested details of any manual interventions etc.

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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cool

i have a few question

i have letter 1 (SAR) with my account numbers on it

Do i need my sort codes (accounts are at different branches)

I thought we couldn't claim the £10 back?

I have takien off the line about being happy to pick up at my local branch is this ok (it's not possible in live in mid-wales opening hrs are 10-3 mon - fri and i work 8.30 till 6)

Thanks

Emma

also if i goes to court etc i was wondering i have dislexia which makes long big wordrd documents hard to understand should i make them aware of it now which means i could use disability discrimation act against them if i ask for simple langauge??? maybe just a thought

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SAR - I do'nt think that Sort Codes will be totally necessary but you could maybe add what branch they were at and yes you can claim the £10 back, remoiving the line about pcking up is fine too.

 

As far as the court thing I am not sure if you would actually need to be registered as disabled to use this act and although the documents used can look intimidating we are all here to support you anyway.

  • Confused 1

Ex CAG helper ^_^

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Right so i'm going to send the SAR off on monday (when i get to a printer)

for to fill in the spreadsheets now

i'm going to have a go at the contractula intest ones i think

do i do 1 with unauthorised rate and another with authorised rate

am i right??

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