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Dave v NatWest ***SETTLED IN FULL***


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All

 

I am part way through the process of getting my charges refunded. Surprisingly, I received a letter on Saturday (14 days after mine was sent) saying they felt their charges were fair and transparent.

 

I asked them for £1960 back and they are making me an offer as a "goodwill gesture" for.............wait for it......£1960.:)

 

However I would rather take them to court to establish that their charges are unlawful (and get back £300 interest). Also I didnt like the tone of the letter which gave the impression that if I complained about future charges they might downgrade my account.:mad:

 

What do people think I should do? Take the money offered or start the process of filing my claim and get the interest back too.

 

Deal or no deal?:confused:

 

Thanks for any suggestions,

 

Dave

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IMHO they wont go to court

at what stage did you get to before this offer.

it looks to me like you hav'nt yet started court proceedings. so they are offering what you asked for.

as for there tone its just a standard template

this is my opinion but its your claim

when you file at court you are asking the judge to include s69 interest, unless you are claiming contractual interest, only the judge can award interest

luco

I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

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from other threads ive been reading it seems that if theve offered what you are asking for, thats it accept it, because you can only add s69 at the court stage, IMO the judge would'nt be too happy if he knows they offered you all of your claim and you still went to court, cos you can bet your life nat west will tell him,

 

other people might be able to tell you different but i feel its a deal

I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

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dave

i think if you look here you might find what you are looking for

 

http://www.consumeractiongroup.co.uk/forum/natwest-successes/

 

BTW where is grove green?

I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

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Hi Dave,

 

Although some other pundits have suggested claiming the 8% Statutory Interest from the beginning, it is awarded at the discretion of the court (Section 69 of the County Courts Act).

 

It is not a problem to ask for it in the early stages, but if they offer the full amount of the charges you have claimed it would certainly seem prudent to accept the offer.

 

Proceeding to court on the basis that they did not pay you interest which only a court can award is likely to put you at risk of costs.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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you put that far better than i could jonni, that s what i was trying to say.

 

got it; the white horse???

I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

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no probs i was in the same dilema a week ago, but as i had filed and after advice i declined the offer and was happy to bank a cheque for the full amount, costs and interest 7 days later

enjoy your dosh when you get it

 

luco

I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

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*WON £1960* (without filing a claim)

 

Quick update - after unanimous advice on this site and Penalty Charges UK - Fighting your Corner for FREE I have decided to accept Natwest's "kind" offer of £1,960 (100%) and have today sent off the acceptance slip in pre-paid envelope. Hoping to get the money in the next few days.

 

I have £63 charges from last month that I also intend to get back. Might see if the branch will refund it first & if not, another letter will be on its way.

 

Couldnt have been easier...

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CONGRATULATIONS

 

Please take a moment to fill out the SURVEY

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Excellent news, and without getting your hands dirty. Well done.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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*WON £1960* (without filing a claim)

 

Quick update - after unanimous advice on this site and Penalty Charges UK - Fighting your Corner for FREE I have decided to accept Natwest's "kind" offer of £1,960 (100%) and have today sent off the acceptance slip in pre-paid envelope. Hoping to get the money in the next few days.

 

I have £63 charges from last month that I also intend to get back. Might see if the branch will refund it first & if not, another letter will be on its way.

 

Couldnt have been easier...

 

You should have added the £63 onto £1 960 and agreed to not to proceed to county court for £1023. I did it with HSBC and a week later they paid up in full. Also numerous claims will risk account closure or removal of overdrafts etc unless u dont really mind. Just a thought...

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You're probably right, but its done now. Closing my account is probably the best thing they could ever do for me as it would force me to go somewhere else with better rates! Like Nationwide.

 

Interesting to see how long the money takes to come through..will keep you posted

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Hi Dave,

 

Although some other pundits have suggested claiming the 8% Statutory Interest from the beginning, it is awarded at the discretion of the court (Section 69 of the County Courts Act).

 

It is not a problem to ask for it in the early stages, but if they offer the full amount of the charges you have claimed it would certainly seem prudent to accept the offer.

 

Proceeding to court on the basis that they did not pay you interest which only a court can award is likely to put you at risk of costs.

 

Hi Jonni - sorry to jump the thread but i have got a letter from NW offering the full sum, less interest & costs. but i have spent £220 in costs getting them to get to the point of offering the charges back.

 

Reading St Luco's post it seems Natwest send a cheque including costs and interest when you decline i would be interested to hear what he wrote in the letter and if they just sent a cheque incl costs and interest or was there another discussion ongoing? And how near a court date was it (did he have a court date?). I declined Natwest's offer letter last week.

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responded on your thread....

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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*WON £1,960*

 

After 14 days, Natwest made me an offer for 100% of charges, £1,960 and I accepted without filing a claim or any real hassle.

 

Money in my account on Friday, 3 days after writing back to accept the offer. Still owed £93 in charges and will write again with a stronger response than my first letter.

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Congratulations,

Another fine win . sport-smiley-001.gif

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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  • 2 months later...
  • 2 weeks later...

hi there/ as a matter of interest, do you have a contact name? I have not even had an acknowledgment from Nat West, I am only after £114. I am at LBA stage.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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