Laffar v's Natwest

[Guest NATTIE]

Congratulations!

[cumbria123]

congratulations.........you won, you won...:grin::grin::grin:

[seanf]

Congratualtions

[ssymons]

Hi Laffar

I am reading with interest how you are getting on. I have just recieved the letter saying the charges stay - they did offer me £630 compensation even though I have claimed just under £5000.0. I need to let them know I am not going to accept the offer but do you just send a standard letter or a special letter? I feel stuck to this computer at the moment and as you stated it is pretty frightening stuff. I would appreciate your help. Thanks

[Chrissielr]

Great news!

[laffar]

Hi Laffar

I am reading with interest how you are getting on. I have just recieved the letter saying the charges stay - they did offer me £630 compensation even though I have claimed just under £5000.0. I need to let them know I am not going to accept the offer but do you just send a standard letter or a special letter? I feel stuck to this computer at the moment and as you stated it is pretty frightening stuff. I would appreciate your help. Thanks

 

 

Have you passed the stage of filing your claim on-line? Or is this before the Letter Before Action?

 

If its after the moneyclaim online stage i wrote the following (but reading back it may be a little aggressive)

 

Dear Sir or Madam:

Claim No: ********

Your Client: National Westminster Plc

I Acknowledge receipt of your letter dated: Whenever

I believe that my claim will not fail in court and will only accept a settlement for the full amount of the claim including interest.

Therefore I am declining your offer of £600.

 

 

I don't think there's a specific template letter to send in response to this, however, the standard reply is to say thanks and you'll accept it as a partial refund but will continue with the claim for the full amount.

 

If their offer was in response to your Prelim letter i would add this to the Letter Before Action ... you don't want to be delaying more than you have to by sending seperate letters. They won't give you the £600 seperately anyway.

[ssymons]

Hi Laffar - Thank you so much for your reply. I have sent a basic breakdown of charges with dates and reasons for charge with the letter stating unjust charges etc. They replied well within the 14 days to say the charges stay. I have done nothing since and that was 2 days ago. I thought now I needed to send the charges with the 8% interest added onto the spreadsheet from the web and another letter? What is the LBA everyone mentions - I cannot find it anywhere. When do I send the online claim? Sorry, I must sound like a right DIV. I think I will send a similar letter as you wrote to say not acceptable although I dont think I am as ard as you. ha ha.

[laffar]

There is a template somewhere, but, like you, i can't find the template library either ... it's been a while since i've had to dip in there!

 

Anyway, i've found the perfect response for you in the Barclays forum, just fill in the stars.

 

On the subject of interest. The interest you claim at this point is that incurred on any overdraft thats made up of these charges, this is NOT the 8%. The overdraft interest can be calculated by using the spreadsheet vampiress has so kindly made.

 

The 8% is only added at the moneyclaim stage.

 

Hope this is clear

 

 

Dear Sir/Madam

 

Letter Before Action

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £**** plus £*** which you have charged me in overdraft interest for the sum which you have taken. Total £*** to date.

 

With reference to the above, and to your letter dated ****. I wish to thank you for your offer of £**** in respect of bank charges levied over the last *** years on my account. I will be happy to accept this offer as an interim payment (not Full and Final Payment), but wish to inform you that I require the outstanding balance of £**** to be paid within 14 working days.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Yours faithfully,

[Kate252]

Hi Laffar

 

Just wanted to say congratulations...... Well done.... Dont spend it all at once.

 

Cathie

[ssymons]

Thanks Laffar, I've copied, pasted and will fill and send tomorrow. Wish me luck

[bs0lth]

Ooooo yes, i'm psychic, got a cheque for the full amount when i got back from my weekend away!! it's a big relief i can tell you, just hope it doesn't burn a hole in my pocket.

 

thanks for everyones support and advice.

 

Congratulations!!!!!!

I am just soooo pleased that you got your cheque as well!!!

Im sorry its taken a little while, I havent been on for a few days, and this is just the best news ever.

its great isnt it?

Lynne

[laffar]

Thanks Lynne, it's fantastic news isn't it. Now i'm on to Egg, but that case is a little more tricky.

 

Thanks for your help and support

 

Ross

[bs0lth]

Thanks Lynne, it's fantastic news isn't it. Now i'm on to Egg, but that case is a little more tricky.

 

Thanks for your help and support

 

Ross

 

Its so adddictive isnt it... Im on Barclaycards case... Ive had a well we will give you the difference between our charges and the OFTs recomendation... onward we go with that one.

 

best of luck with egg

 

Lynne

[laffar]

This topic was closed on 10 March 2019.

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