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    • did you submit your directions
    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
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Claiming on a closed account?


Cybergangster
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I'm ready to begin a claim with Natwest for my account which I closed in 2002. Does anyone have any experience with claiming on a closed account? Do I have to do anything different from claiming for an open account?

 

Thanks in advanced...

Cybergangster vs. Co-op - Success 02/01/2007 :)

Cybergangster vs. NatWest - S.A.R request :!:

Cybergangster vs. First Direct - Pending ;)

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Hi Cybergangster, I'm in the same position as you, basically - closed my account with natwest in 2005, and have issued a claim against them. Today I received a letter from Stuart Higley (must be a busy man at the moment) offering my charges back, but conveniently ignoring my interest which is another £490-odd. Am about to reply to his letter but noticed that he'd put at the bottom that the money would be credited to my account, so will be pointing out that there's no account to credit, so will be expecting a cheque instead. Good luck with your claim.

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You will be fine - my claim was for 2 NatWest accounts, one closed 2003 and the other still open but not used. I stated that I wanted to be paid by cheque and when I won (yippee!!) they sent a cheque payable to myself with the words 'into a/c xxxxxxxx' which the Halifax tactfully ignored when I paid the cheque in!

 

Good luck!

;) Mupster
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  • 2 weeks later...

I got an acknowledgment of my SAR request today so it's going ahead as planned. I should have my statements by 18 April if they keep their end of the bargain :rolleyes:

 

Quite looking forward to this actually as I only had the account for a year... I left because I felt I was being taken for a ride with their charges!

Cybergangster vs. Co-op - Success 02/01/2007 :)

Cybergangster vs. NatWest - S.A.R request :!:

Cybergangster vs. First Direct - Pending ;)

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  • 2 months later...

I admit, I've dragged my feet a bit with this claim... but as of today it has been 2 months since my original request for refund letter and 4 weeks since I sent them a reminder. I spoke to customer services today who have no record of my claim although I have confirmation of delivery from Royal Mail for both letters. I have been asked to wait 7 to 10 working days while they try to locate my letters but I'm wondering if I should allow them that grace? I have only claimed for charges dating back 6 years. I understabd if I take legal action then I can claim interest as well which will add another 30% to my total but is it worth the extra hassle? Or should I just sit tight?

Cybergangster vs. Co-op - Success 02/01/2007 :)

Cybergangster vs. NatWest - S.A.R request :!:

Cybergangster vs. First Direct - Pending ;)

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Hi Cybergangster,

 

You seem to be in the same position as me. Nat west have no record of my prelim or LBA (both signed for - recorded delivery!!!) so I completed my N1 and filed it at my local county court last week. I have to say, it was the best feeling I've had in a long time!!

 

Personally, if I was you I'd file at court (either via MCOl or at your county court in person). Have a look here to help you decide which route to take Moneyclaim and hardcopy claim compared Once you've decided which one's best for you, these links will also help 5. Money Claim On-Line (MCOL) Particulars of Claim, Moneyclaim - start your County Court claim online and N1 Claims form in .PDF format with form filling 4. Particulars of claim - N1 - hard copy version (these last two are for if you decide to complete the N1 and file in person at your local county court).

 

However, the interest that you can add on at this stage is the s.69 interest that the courts can award - 8% (your spreadsheet should have already worked this out for you anyway- just unhide the column to show the 8% interest now).

 

It's definitely worth the hassle - and let's face it, you could be left dangling for weeks by nat west!

 

Good luck, hedgey xxx :p

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