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    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
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    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
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Eb0 v ~NatWest


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Hi all,

 

Really hope someone can advise me.

 

Ive held a Natwest account for 8 years and have just received the statements i requested.

 

I've worked out charges totalling app. £750.

 

Problem is that I'm overdrawn by £2000, which I couldnt pay back if requested.

 

Can anyone please advise whether I should persue the claim or not, and 2ndly is there any information I would miss out on by receiving standard bank statements and not through the data protection act information.

 

 

Many thanks

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Hi all,

 

Really hope someone can advise me.

 

Ive held a NatWest account for 8 years and have just received the statements i requested.

 

I've worked out charges totalling app. £750.

 

Problem is that I'm overdrawn by £2000, which I couldnt pay back if requested.

 

Can anyone please advise whether I should persue the claim or not, and 2ndly is there any information I would miss out on by receiving standard bank statements and not through the data protection act information.

 

 

Many thanks

 

 

Ok as long as you have the full 6 years then there is no need to ask for the SAR.

I would advise you to reclaim your charges, the bank can threaten to recall your overdraft. If they do you can report them for retalitory action due to you reclaiming your charges.

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I was in exactly the same position as you, they owed me more and I owed them less, but essentially the same position with not being able to pay off the overdraft.

 

I sent Natwest my initial letter and had a refund in my account 2 weeks later, they didn't try anything with the account, but they did say that if I claimed any future charges they would view that as me being unable to abide by their terms and conditions and they would have to down grade my account to one with no cheque book, direct debit facility or overdraft.

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Hi Ebo

 

Ive had 2 claims against NW. The first for £3500, received back in November. I immediately started a second claim for my business account, which had an overdraft of 3k. I got back £800 after sending just the prelim letter. They didn't call in the overdraft.

 

Also there have been some huge NW payouts recently that have been settled without even filing a claim, I suspect your case will be wrapped up very quickly. Here's hoping.:)

 

Good luck

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cheers kate,

 

Sent off my prelim to natwest bank, and sent the SAR to natwest mastercard.

 

I kinda hope ur right with the quick payout. Although part off me wants to go to court.

 

Ive just started work at a law firm.....and would love to put some advice to practice!! (some people r never happy huh!!)

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hey guys,

 

Well that seemed preety simple....Natwest agreed to 'as a gesture of goodwill' refund the £896 i claimed as a gesture of goodwill'...

 

I know it probably sounds ungreatful...but seems to easy considering i sent the prelim only 12 days ago....cant help but think i underclaimed!

 

Generally i'm happy.

 

Thing is i think i've had 2 charges since the claim was made (well since i had staments to say so) for about £75.

 

They've given me the name of someone to talk to about their offer. Should i just be greatful....or try and claim the 2 charges?

 

Many thanks all for ur advice.

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Sorry guys,

 

Was about to accept West's offer.

 

Then I re-read a paragraph:

 

As a gesture of goodwill, I am prepared to make you a payment of £896 as you requested. Acceptance of this offer will be a full and final settlement of your claim and your agreement that NatWest's terms and conditions for your having bank facilities will continue to apply'

 

I know it sounds all good....but just wanted to make sure that the final part of the paragraph was something I should accept?

 

Thanks alot,

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