Fendy v NatWest - 16K - **FINALLY WON**

[enaid]

Did you say beer garden or bear garden???? pm me please!!!

It's beer garden, bear a**e

[fendyweather]

Just PM'd you Wendy B.

 

its www.legal- followed by a certain dog that rhymes with it in the plural form. Lol xxx

[enaid]

Ave a look at the cag man meet thread please

[fendyweather]

okies checking it out now, lol xxx

[fendyweather]

Lol, do we need to be signing affidavits then to say we wont share info on banks, lol lol lol xxxx with the legals perhaps tagging along, Lol xxx

[veilside01702]

Hey fendy.....I'm on late after my pc blew up yesterday....spent all day building a new one to get at my correspondance and court stuff.....lol

Then spent all night writing letter to cobblers stating why I wouldn't accept their cheque.....lol

Can you and peeps on here take a look and see if I am ranting too much....lol

Speak tomorrow....

loadsa love to you, archer, wendy, hedgey and the gang....lol

[fendyweather]

Hi Veilside, great letter, the only thing I would perhaps take is about the apology bits. I dont really think, even though you deserve a full apology that the Nutwest will apologise. They just dont do apologies. Everything else fine, but personally, even though I think its a brilliant idea, trying to get them to apologise, you know full well they wont. Your choice, but I would take that bit out, Lol Lol Lol. Have PM'd you my friend. Fendy xxx

[Parkvale]

Phone calls from Cobblers??

[fendyweather]

Indeed Parky, phone calls from Cobblers, was contaced by the lovely AM At Cobblers, and whilst I dont trust em as far as I can throw em, there may be something in the offing. Waiting to hear today. Will post later.

 

Fendy xxxx

[fendyweather]

Trying to keep my thread serious, cos Im not allowed to put banter anymore, Lol xxx

[PPMAN159]

That could be a bit tricky!!!

[hedgey06]

Trying to keep my thread serious, cos Im not allowed to put banter anymore, Lol xxx

 

More than one way to skin a cat though 'eh??!!

 

Let's hope something positives on offer from cobblers soon Fend.

[fendyweather]

I hope so, but after their last let down, Im not betting on it. Lol xx

 

Im keeping going with the disclosure that Ive started until I know whats firmly in the bank, Lol. They cannot be trusted, I think they enjoy the game playing. xxx

[hedgey06]

Seez ya later!! xxx

[fendyweather]

Right fellow peepies and bank claimants,

 

AM at Cobbetts just called. Very apologetic for not getting back to me. blah blah blah.

 

Right, just had very open very honest convo with AM at Cobbetts. Now call me naive or what, but she again, was very very very nice.

 

She said, they are not in a position to advise what offer is on the table, or if my offer to them is acceptable purely because Natwest have decided because of the size of my claim, i.e. they need to be sure exactly what are legitimate charges and what could be constituted going forward as service charges. So looks like if it gets to court they may decide to go down the avenue of trying to say some of these are service charges. OKies, so how do I prepare for that eventuality. How do I prove they are NOT. Help please ???

 

She did say she has been ringing Natwest every day since the telephone conference on Tuesday just gone to ask them what figure they will be offering. She firmly believes that they will be making me an offer before the 26th June, she's just not sure whether it will be the full amount or whether they will try and claim some of them are genuine service charges, and try to deduct some off my total. She mentioned, you do know that banks are in the process of trying to work out new defences based on using the term Service charges, I said yes I was aware of the Lloyds Birmingham win where that tactic had worked with a judge who hadnt fully researched this position, but that it was expected on appeal to be overturned completely i.e. the guy that lost, to now win. . I let her know I wasnt going to be intimidated by the phrase service charge, and that I would be fighting it to the death. I told her I intended to prove that none of the charges were Service Charges, but penalties imposed because of breaches of contract, I said obviously its better if settlement can be reached I feel purely to spare the courts, this wasted time which could be better spent on more serious cases, and she agreed, she said obviously Cobbetts make money from Natwest on defending, but that this one had really got to the stage where they had exhausted it, but she said her hands were tied, and she had to wait for the Natwests directive on this. She said there were people much higher than her at Natwest who decide when and if they settle, and not Cobbetts. She kept saying, you can appreciate because this is such a large amount, the bank have been using the words test case to me on this one, (my ears pricked up at this point), and I said, how can I be a test case when I am exactly the same as previous cases that have gone before and been paid out on. I even told her that the whole regime of claiming against banks would not have been necessary had the banks been able to, from Day 1, come out and prove exactly how much it does cost to bounce a cheque etc. etc. She agreed wholeheartedly but added that it was not her specialist area of knowledge, and she would leave that to the banks to decide whatever that was going forward. I distinctly got the impression that banks are getting ready to start defending these cases though or perhaps even having a test case with somebody (yikes, not me I hope)..... She said that the Lloyds Birmingham thing had opened up a whole new area of possibilities to the banks to defend that they had not previously anticipated. I said perhaps, but until they stand up in court and declare their true costs then in the meantime we would all continue to claim. I said, had they been fair with me, i.e. only ever charged me what it had truly genuinely cost them to bounce a cheque etc over the years I have had my account with them, then I would never have claimed in the first place. I told her it was the banks greed and profit making via the back door that had prompted this mass claiming. She agreed, then added, I had better be careful what I say as I will be getting myself into trouble here, I just laughed, she really did seem very very honest.................. I have to say, she was a lovely person, a very nervous person, but lovely. And so we left it that I will continue onward and upward, preparing my disclosure list for the 26th June, and they preparing theirs, but if in the meantime she had any news about an offer from Natwest, she would ring me straight away. So looks like I gotta do the disclosure list peeps. Oh double b*gger pants................ typical................. Why me ????? Lol xxx

 

So thats my weekend spoken for as I said before. I dont expect to raise my head from my file or my pooter for the whole weekend. Lets hope for rain so Im not missing anything in the sunshine (from a completely selfish point of view of course).

[fendyweather]

Gawd Im fed up. Somebody cheer me up. Please.............xxx;)

[PPMAN159]

It has stopped raining in London!

[fendyweather]

And as I am about 240 miles away, that means what to me ???

 

Lol Lol Lol..

 

thanks for trying though !!!xx

[PPMAN159]

It might be working its way up to Oakie

[Kevboy_telford]

Hi Fendy

 

its nice and sunny in Birmingham - well I have been told that (from my office I cant even see outside so I am doing a MASSIVE assumption)

 

Keep up the good work

[fendyweather]

Good work, me, nah, never, mostly banter..................... keep being told off.......................... soz mods..............You cant see outside, where they got you, black hole of calcutta ???

 

Sick building syndrome, thats what you will get working somewhere with no windows........... its not healthy................... Tell them to get some windows put in.

 

Its cloudy and dull here, not cold, but very cloudy, but at least its not raining..................... the pennines look fine this morning, like a mountain in front of me, and Im on the top of em. Seriously though gorgeous views over the reservoir this morning where I work. Tis bliss............... Oooo still as a millpond.................. soz, im doing it again, rambling. I just cant help it............ soz soz soz..........xxx

[fendyweather]

Ooooh Ive just thought of way around the banter.

 

So long as I put something relating to my claim in each post then it should be ok.

 

i.e. this post.

 

Cobbetts were quite nice.

 

There we go, reference to my case.

[PPMAN159]

These may help cheer people up-Peter Kay One liners

 

1) I saw a woman wearing a sweatshirt with 'Guess' on it. I said "Thyroid problem?"

 

2) When I was a kid I used to pray every night for a new bike. Then I realised that The Lord doesn't work that way, so I stole one and asked him to forgive me.

 

3) I've often wanted to drown my troubles, but I can't get my wife to go swimming.

 

4) I was doing some decorating, so I got out my step-ladder. I don't get on with my real ladder.

 

5) I went to a restaurant that serves 'breakfast at any time'. So I ordered French Toast during the Renaissance.

 

6) A cement mixer collided with a prison van on the Kingston Bypass. Motorists are asked to be on the lookout for 16 hardened criminals.

 

7) I was bullied at school, called all kinds of different names. But one day I turned to my bullies and said 'Sticks and stones maybreak my bones but names will never hurt me', and it worked! From there on it was sticks and stones all the way.

 

8) My Dad used to say 'always fight fire with fire', which is probably why he got thrown out of the fire brigade.

9) S * x is like bridge: If you don't have a good partner, you better have a good hand.

 

10) I saw six men kicking and punching the mother-in-law. My neighbour Said 'Are you going to help?' I said 'No, six should be enough.'

11) If we aren't supposed to eat animals, then why are they made out of meat?

 

12) I think animal testing is a terrible idea; they get all nervous and give the wrong answers.

 

13) You know that look women get when they want s * x? No, me neither.

 

14) Politicians are wonderful people as long as they stay away from things they don't understand, such as working for a living.

 

15) I was the kid next door's imaginary friend.

 

16) Right now I'm having amnesia and deja vu at the same time. I think I've forgotten this before .

 

PETER KAY'S UNIVERSAL TRUTHS

 

1) Triangular sandwiches taste better than square ones.

 

2) At the end of every party there is always a girl crying.

 

3) One of the most awkward things that can happen in a pub is when your pint-to-toilet cycle gets synchronised with a complete stranger.

 

4) Sharpening a pencil with a knife makes you feel really manly.

 

5) You're never quite sure whether it's against the law or not to have a fire in your back garden.

 

6) Nobody ever dares make cup-a-soup in a bowl.

 

7) You never know where to look when eating a banana.

 

8) You always feel a bit scared when stroking horses.

 

9) The smaller the monkey, the more it looks like it would kill you at the first given opportunity.

 

10) Every bloke has at some stage while taking a pee, flushed half way through and then raced against the flush.

 

11) Its impossible to look cool whilst picking up a Frisbee.

 

12) Driving through a tunnel makes you feel excited.

 

13) Old ladies can eat more than you think.

 

14) You can't respect a man who carries a dog.

 

15) Despite constant warning, you have never met anybody who has had their arm broken by a swan.

 

16) You've turned into your dad the day you put aside a thin piece of wood specifically to stir paint with.

 

17) Knowledge is knowing a tomato is a fruit; Wisdom is not putting it in a fruit salad.

 

SOME GREAT QUESTIONS BROUGHT TO YOU BY PETER KAY

 

1) Why does your gynaecologist leave the room when you get undressed?

 

2) If a person owns a piece of land do they own it all the way down to the core of the earth?

 

3) Why can't women put on mascara with their mouth closed?

 

4) Is it possible to brush your teeth without wiggling your bottom?

 

5) Why is it called Alcoholics Anonymous when the first thing you do is stand up and say, 'My name is Peter and I am an alcoholic'?

 

6) Why are they called stairs inside but steps outside?

 

7) Why is there a light in the fridge and not in the freezer?

 

8) Why does mineral water that 'has trickled through mountains for centuries' have a 'use by' date?

 

9) Why do toasters always have a setting that burns the toast to a horrible crisp no one would eat?

 

10) Is French kissing in France just called kissing?

 

11) Who was the first person to look at a cow and say, 'I think I'll squeeze these dangly things here and drink whatever comes out'?

 

12) What do people in China call their good quality plates?

 

13) Why do people point to their wrist when asking for the time but don't point to their crotch when they ask where the bathroom is?

14) What do you call male ballerinas?

 

15) Why is a person that handles your money called a 'Broker'?

 

16) If quizzes are quizzical, what are tests?

 

17) If corn oil is made from corn, and vegetable oil is made from vegetables, then what is baby oil made from?

 

18) Why is it that when someone tells you that there are over a billion stars in the universe, you believe them, but if they tell you there is wet paint somewhere, you have to touch it to make sure?

[Seahorse]

SERVICE CHARGES!!!!! Without wishing to burst your bubble, I do hope they aren't taking heart from the court case, where penalty charges were claimed to be service charges after all, etc etc.

 

Have you seen the court transcript Fendy? Do you want a copy if you haven't? Forewarned is forearmed and all that.

[fendyweather]

Oooh yeah please Seahorsey. Please. !!!!