Jump to content


  • Tweets

  • Posts

    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • 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?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

RWKSHAW V NatWest


rwkshaw
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6279 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Rwkshaw.

 

It looks as though you are thinking of trying to con the bank into paying you for setting up a [problem].

The CAG does not and never will condone any sort of illegal activity. If we did then we would leave ourselves open to the full weight of the law and we would lose all credibilty.

The CAG is highly respected because of the standards that we adhere to and we do not tolerate anything that would jeopardise our reputation.

 

Having said that, think again. If you were to be awarded the charges back, unless you have paid in that amount of cash, you would be in debt to ther bank and they would be entitled to deduct what you woe from the claim.

So you would not gain from that.

Also, over £5000 the case would be allocated to fast-track and you could be liable for the bank's costs, including solicitors charges.

 

Think again.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

In other words, every refused DD would incur a debit on your account of £39. Your account would be in the red to the tune of £39 for every time a DD was refused.

Each time it happened, the bank would take £39 from your account. You have no cash in your account? OK then it's overdraft i.e., you owe the bank.

So you claim. The bank pays out, but deducts all the £39s that you owe it.

You get.....nothing.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

The CAG is highly respected because of the standards that we adhere to and we do not tolerate anything that would jeopardise our reputation.

 

Thread closed

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

  • 1 month later...

Please accept my apologies if this information is here somewhere, but I cannot seem to find a definitive answer..

 

 

I have been through the lengthy process of receiving my statements - 5 requests as the branch did not accept my SAR and told me they could only go back to Oct 2002.. I called telephone banking, they sent me the statements from when my account was opened, but kindly omitted 1 statement with 3 charges on it... Any, got all the info now, I have done the interest calculations and listed all the charges (£1550 approx)

 

My question is this...

 

Am I better physically taking my claim to my local branch and handing it in personally, or do I need to post it to head office...

 

Kind regards

 

Rich

Link to post
Share on other sites

After having read through what seems like the autobiography of the banking world on here.. I am even more confused than before.

 

I have calculated my charges at £1332 with interest of £251.25 for a period of just under 5 years..

 

eg. - £30 Charge - 06/03/02 - £11.94 Interest - £41.94 Total

 

Now then,

 

By using this interest calculator am I right in thinking that this would be the 8% interest claim..

 

Also, I am reading about higher levels of interest claimed, should I be claiming higher interest rates???

 

I have a simple step account, with NO authorised overdraft and all my charges relate to standing orders or direct debits...

 

Please, someone help.. My head is cabbaged with figures and rates..

 

Thanks,

 

Rich

Link to post
Share on other sites

By using this interest calculator am I right in thinking that this would be the 8% interest claim..

Yes this is Section 69 8% interest on your claim, but you can only claim this once you submit a claim at court. Don't add this interest before moneyclaim

 

Also, I am reading about higher levels of interest claimed, should I be claiming higher interest rates???
Only once you have thoroughly researched the issue and are confident that you understand exactly what you are doing. It's not for the faint-hearted
Link to post
Share on other sites

Thanks for the info, however.. I'm still not clear on what figures I should put on my initial claim letter to the bank..

 

Do I just claim for £1332 (The amount of charges) or should I be claiming for interest that the bank would charge me for borrowing £1332 as well??

Link to post
Share on other sites

When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

Link to post
Share on other sites

use either borehamwood or bishopsgate address

:)I am not an expert at this, any advice i give is from reading posts on this site, its all in here somewhere :)

 

:) If i have helped please click the scales:)

 

NatWest Settled 16th february 2007----£3902.67 All charges, costs and s.69 interest

 

MBNA- S.A.R - (Subject Access Request) sent 25th March 2007

MBNA missed deadline, LBA for SAR sent 8th May 2007

CCA request sent 8th May 2007

Link to post
Share on other sites

Just an aside, the branch are talking about post migration ie when rbs comp system took over from the natwest plc system which is Oct 2002 but they can order further back than that.

Link to post
Share on other sites

If you want to claim for any interest at all IMHO I would strongly suggest that you ask for the charges and contractual interest from the outset

 

Nat West have started offering refund of charges, in some cases, by return. You can't THEN ask for interest as well, BUT you can't ask for s69 until you file your claim with the court. SO if they offer you a refund of the charges at the prelim stage you are then a bit stuck! ASK for contractual and it gives YOU the flexibility to negotiate, accept s69 at 8%, or hang out for court!

 

See my previous posts on this subject.

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

So I gather the compound interest is the 8 per cent one???

 

I have complete a spreadsheet and if someone could check my calculations and confirm I have used the right one I would greatly appreciate it..

 

2 examples I have done are as follows..

 

Charge £30 Date 06/03/2002 Interest £11.94 Total £41.94

Charge £38 Date 21/09/2006 Interest £1.30 Total £39.30

 

 

Thanks.. If I have used the right one I will be posting it off on Monday

Link to post
Share on other sites

can someone please help me?

First sorry for any grammar mistakes but english is not my first language.can you claim back charges even if the account has been closed by the bank?and if the account is closed how do you get a copy of your statements?

Link to post
Share on other sites

So I gather the compound interest is the 8 per cent one???

 

I have complete a spreadsheet and if someone could check my calculations and confirm I have used the right one I would greatly appreciate it..

 

2 examples I have done are as follows..

 

Charge £30 Date 06/03/2002 Interest £11.94 Total £41.94

Charge £38 Date 21/09/2006 Interest £1.30 Total £39.30

 

 

Thanks.. If I have used the right one I will be posting it off on Monday

 

Looks ok. Have you included in the spreadsheet what the charge was for e.g. Card Misuse?

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

Link to post
Share on other sites

Looks ok. Have you included in the spreadsheet what the charge was for e.g. Card Misuse?

 

No I haven't...

 

All charges relate to either missed DD or SO

 

On reading the step by step guides, it says NOT to include the 8 percent at the 1st letter stage, but someone on here has said to include it from the start...

 

I'm not the dullest lightbulb in the box but the more info I get, the more confused I am...

 

Black and White....

 

I have written a letter (not posted yet) that says I want my money back and I am claiming £1332 charges PLUS £251.25 interest which is what the court would award..

 

Is this the right way to start the claim off? or do I only ask for the charges back at this stage and then add the interest later??

 

Also, what are these other percent rates everyone is going on about??

 

All this is bringing back haunting memories of my maths class in school..

Link to post
Share on other sites

Sorry, I hadn't spotted that.

 

You can't claim the 8% until you actually issue court proceedings so your first approach is for just the amount they have taken in charges. If you include the S.69 interest at this stage you could come unstuck.

 

The other figures being talked about are contractual interest and I'm not an expert on that so I'll leave that for someone else to answer but if you want to have a look see here

 

http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

Link to post
Share on other sites

Hi

 

I think I am following cobbettslayer about this morning!

 

CS is quite right you can't claim s69 interest which is 8% until you actually file your claim. BUT see my post here

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/64780-nat-west-new-tactics.html?highlight=Bicester1

 

which explains why people need to claim contractual interest from the outset.

 

Hope this helps.

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Right,

 

After lots of excellent advice from everyone on this site, I have decided to go for CI from the offset..

 

I rang the bank today and was told that their monthly unauthorised borrowing rate was at 2.19% (29.69%APR) so this is what I have entered in the spreadsheet..

 

£1332.00 Charges £1279.63 CI Total of £2611.63

 

I am now in the process of composing the Prelim letter and was wondering if anyone has a Prelim including CI notification or can give me the correct wording I need to add as it only covers charges and interest that the bank has charged me for being overdrawn at the end of the month.

 

Regards

 

Rich

Link to post
Share on other sites

I adapted the one on this site to include CI, this is the wording I sent. I have just received an offer of the charges only with no interest, so I would imagine the same will happen to you to. I am sending off another letter on Monday, which you will see if you look on my thread, in case that is also of use to you in a week or two:

 

8 February 2007

 

NatWest Customer Relations

Freepost NAT12685

Borehamwood

Hertfordshire

WD6 1BR

 

Dear Sirs

 

(edit)

 

please do not post our templates on the main forum , you may of course post a link to them in the libary

Link to post
Share on other sites

Thanks very much for that...

 

Letter - Completed

 

Spreadsheet with details of charge reason - Completed (incase they ask for this to drag it out longer )

 

Spreadsheet with calculated CI - Completed

 

Put in envelope - Completed

 

Send Recorded Delivery - Doing 26/02/07

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...