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In court thursday - contractrual **WON**

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Am in court with a friend on thursday for contracrualo interest against natwest.

 

Have natwest settled anyone contractual interest yet??


Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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yes. have a look in settled cases thread.

 

westy

 

(I'm on phone to Cobbetts so must dash)


Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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good luck

 

watching thread

 

dx100uk:D :D


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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THEY JUST PAID OUT!!!!!!!!!

 

2078 CHARGES & COSTS

 

2296 CONTRACTUAL INTERST AT 29.8%

 

wAHEY


Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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CONGRATULATIONS

 

please complete our 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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That's Excellent

 

CONGRATULATIONS

 

Over £5300 if my maths is correct?

 

Westy


Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Guest NATTIE

congratulations!! everytime i think they could argue the interest bit in court they fold. Something weird is going on

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cankster,

A fantastic result and great encouragement to everyone .:D Are they really so unpredictable ?


A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Guest bong

if you don't mind me asking, what was the argument put forward in the poc? mutuality & reciprocity? and was it interest NW had charged on the charges, or interest added to the claim in place of s.69 interest?

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Wow was it just the CI that was going in court or the whole lot meaning charges + interest.

 

milly X


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Just the CI going into court, the rest had been settled earlier.

 

I will post my POC & court Bundle ASAP


Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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Well done buddy!


for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Heres the reply to natwests defence

 

(edited)

  • Haha 1

Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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Just the CI going into court, the rest had been settled earlier.

 

I will post my POC & court Bundle ASAP

 

 

Well even more well done:D

 

Milly X


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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top news

 

well done

 

dx100uk


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I guess in a court room Contractual Interest is linked to the actual charges.

 

The charges would have to be proven unfair before you prove you are owed contractual interest.

 

This would mean they would have to disclose their charging etc.

 

There is no real solid grounds for claiming contractual but you have NatWest by the short and curlies when it comes to having to disclose.

 

Well done!

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Cankster ,

Brilliant answer to their defense. On their "Advice of debit interest for the period," which is an advice of their charges per quarter. It quite clearly states their "Current basis of interest calculation. " Borrowing upto overdraft limit 5.75% above base, and borrowing over overdraft limit (unauthorised ) 29.05% What i am trying to get at isthat you should be able to reclaim your contractual interest on your disputed charges,

because if their" penalty "charges are unenforcable, the interest attached to each charge must surely be refundable :confused: I hope that makes sense.


A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Cankster,

 

Congratulations - the next CAG legend!!!

 

Your wording looks like a template in waiting to me! I believe that we should all be claiming contractual interest as a matter of course - NW paid 29.7% in my daughter's claim (settled in January). The wording I prepared for her wasn't anything like as comprehensive as yours though!

I'm going to c+p your words and save them in case any of the people I know currently claiming (1 friend + 3 work colleagues) need them.

It looks as if NW have retreated from the "not paying charges" position as untenable and have realised that their new "barricade" to defend is contractual interest. Their greed over the years could mean that they'll have to pay back a lot more than they've taken from us in the first place - boo hoo hoo!!

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makes me feel a lot better about my case given natwest said they'd settle less costs less (statutory) interest.

 

if they're settling contractual interest cases too makes me wish i'd charged that. guess its too late but still makes me feel more secure in my own case.

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Could you post a copy of your prelim letter? I thin kthe templates should be updated as well has anyone failed to get contrctual? has anyone failed at all?

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Fantastic !

 

Well done to you and good news for the rest of us !

 

NatWest, you know it makes sense lol :D :D :D

 

Hope xx


You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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In Nat West latest adverts.They all quote" Nat West Another Way " I wonder how many more" ways " they have of avoiding their responsibilities and paying people

what they are entitled to :mad:


A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Wow, didnt expect such a response.

 

Thank you for the kind words


Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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Brilliant!!! :D

 

Well done and congratualtions! :smile:

 

So it actually went to court... what was it like?? What happened?? What did they ask?? :eek:

 

Questions questions??

 

:lol: :lol:


Moodle

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