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    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
    • I am sorry I am not aware of this report from IAS assessors? The Court will consider my application at a online hearing in June. The Court instructed me to send Bank copies of my sons condition proving he could not have been the driver I have heard nothing further. My son is not aware of any proceedings I have not involved him to avoid causing him distress, he has been sectioned a fair few times and I need to avoid this happening.
    • I am very pleased that the Court has taken the decision to allow you to  represent your son and hope that he is happy enough with that to relieve the stress he will also be feeling. I do agree that Bank parking are so insensitive, greedy, horrible etc etc to continue proceedings considering  in what it is a very minor case of a wrong number plate . Even their  own  IAS Assessors, who are normally hopelessly biased in favour of their members, went out on a limb and said  " The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." That is damning evidence and you must take that report with you as well as including that in your Witness Statement which we will help you with. I would expect that Bank would discontinue the case at that point.  But I am sorry to say  that you should not count on it.  
    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
    • When I first responded to the PAPLOC, and received that 29 page junk back it was accompanied with a letter saying that they had already responded to my request back on Feb 18th 2023,(I never received it). I was just clearing out some paperwork today and found a letter from Lowell, dated Feb 17th 2023, explaining that they were still waiting for the documents from PayPal, and my account was on hold  until further notice.  Does this mean they were lying and can it be used against them if this goes any further? I have now filed my defence, and have had an acknowledgement from Overdales and the court. A little threatening from Overdales , explaining that part of my defence was invalid because they have now complied with the CCA, and they were still waiting for the Default notice from PayPal.
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Natwest pays up


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Hello All

I sent Nat West a letter before action on the 26 April asking for £84 back on our joint account opened in October last year. I was getting a little worried as i had not heard anything from them. But i have just checked my account and they have not only refunded the charges, they have refunded them twice!

I'll wait to see if they ask for the second lot back, but i'm certainly not gonig to point out their error.

 

Thanks for a great forum and all the good advice.

Good luck to every one else reclaiming their money.

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It's great news - well done. :D

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I got a letter from natwest yeaterday most of which is the standard letter i have been reading on other posts 'fair reasonable and transparent charges' 'OFT and credit cards' etc etc.

 

But there is another paragraph as follows:

 

'Consequently, against that background, we must differ with the views expressed in your letter. Despite this, we have taken the opportunity to review the charges that have been applied to your account and as an exceptional matter we have agreed to refund £84 as a gesture of goodwill. Acceptance by you of this payment will be in full and final settlement of all claims you may have relating to our charges. However, our Terms and Conditions will continue to apply and any charges that accure in the furture must stand.'

 

signed Mark Chamberlain

 

Does that mean that i can't claim for the charges back on my other Natwest account or any future unlawful charges?

 

I think i will have to write them another letter, and i suppose i will have to tell them they gave me too much money back as well.

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It doesn't mean that you can't claim for future charges. It just means that they are offering a refund without any admission that the charges are unlawful, and their T&Cs still stand (if a term in a contract is found to be unfair in court then if possible the contract still stands without that condition).

 

So yes you can claim for future charges. They can't make you agree to something unlawful anyway, so there is no chance of you giving away any legal rights.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Am about to post the following to Mark Chamberlain:

 

 

'Thank you for your letter dated 8 May 2006. I will accept your offer of £84 as full and final settlement of all claims i have to date on this account regarding your charges.

I appreciate your terms and conditions must stand however if you continue to apply unlawful charges to this account I will be seeking a refund for these also.

 

Please find enclosed a cheque for £84. this is a refund to Natwest for accidentally refunding the above charges to my account twice.

 

May i also remind you that Natwest offers a service to its customers and that all consumers have a choice. UK consumers will not tolerate unlawful practice by our banks and we will not tolerate pooor service. I hope Natwest will address the issue of unlawful charges for the future and that you will be able to offer a fair service to all your customers.'

 

I also received 6 years of bank statements for another account from natwest yesterday in a very tatty brown envelope with holes all round it, which the postman didn't even post through the door, he left it on the door step.

I will be sending the prelim letter regarding that account today and also complaining to royal mail.

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  • 4 weeks later...

Well so far Natwest have failed to cash the cheque I sent them refunding my extra charges, so maybe they will let me keep it!

 

I also posted my prelim letter to natwest for a different account which they completly ignored. The 14 days ran out end of last week, so will be posting LBA tomorrow.

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Thanks

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