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    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
    • I have just opened another bank acc with lloyds (i have a few already) After doing some research they may have some relation to tsb or be apart of the same group will this cause me issue if my salary is paid into my lloyds account? Also, if the debts do go into default and nothing is paid then after 6 years it all goes away? As the DCAs cannot do anything? I do want to start paying in like 3/4 months or do you advise I leave it if it goes into default? again sorry for all the questions, i am just processing everything
    • one reply only  follow post 2 of letter of claim <<clickme link. dx
    • Sorry, I got confused  Yes, it states all three   Thanks, 
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    • 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
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Nuddy vs Natwest ***WON***


nuddy
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Hiya

 

So that I can just keep to one thread now, I thought I'd better start this one.

 

I've had great advice so far from Muggins and Nattie and many others, although I'm still at the stages of getting my interest charges together and that is really confusing me - there are interest deductions from times when I wasn't overdrawn, mysterious unspecified 'charges' even when my account was fine so HUGELY confused.

 

Am using the complex bank charges template, but not sure what I'm doing to be perfectly honest!

 

Am I right in NOT claiming for advantage gold fees (£6,£9,£12)??

 

Is anyone else struggling with this bit, it'd be great to help eachother out.

 

Kindest rgds

Nuddy

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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So far, I'm going through this with a fine tooth comb, I've found numerous charges - £20 (£14 UAB & £6 ADGD?) relates to a date which I've checked back and there were funds in the account and no UAB was actually done! I wonder how many more there are, sneeky beggers! Well on my way to completing the schedule of charges now... I'm at £3688.71, no idea on interest though because I'm lost so I've decided I won't claim for that......

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Okay, bit silly but can anyone pleeeeeeease help? I've now found a charge for £26 in Aug 03 - when I look back, the account was in credit so this can't be UAB etc and the charge doesn't look right at all? Nattie are you out there!!!

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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hi nuddy

its a while since i had to do that, if i remember those acc charges are for the previous month ie july charges taken end of august. and that £26 charge sounds like £6 adg £20 uab this link should help if you havnt already checked it out

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

  • Haha 1

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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An update and a plea for help! I've calculated the charges and want to get moving. I'm about to send of the claims letter but I don't know if the bank have defaulted me or not, should I spend more time looking into that or should I just remove that section - below:

 

Additionally you have entered a default notice against my credit record.

This default occurred merely in respect of unlawful charges levied by you or

was the result of impecuniosity caused directly by the taking by you of

penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above, I require that you

remove the default entry from the register. Please note that mere correction

or amendment to the entry will not be acceptable.

And I could perhaps write this instead:

I will require that any default notices that you have entered on my credit records be removed if I find that you have done so following the taking of any unlawful penalty charges. Amendments or corrections will not be acceptable.

Thanks everyone, I'd be sooo grateful for help as I'm really nervous about sending it, hence the reason its taken ages!

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Hiya, two addresses (I write to a freepost address and then send another recorded to: Natwest, 135 Bishopsgate, London, EC2M 3UR (I believe this address is the one you use if your claim goes to court), the freepost address is:

Customer Operations, Natwest, FREEPOST NAT12685, LONDON, WD6 1BK

Hope that helps

 

 

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Okay

A quick update, I have posted off my prelim. letter for claims just under 3,400. I will update post when I get a reply OR have to send my 14 day letter.... nail biting stuff this, I've got butterflies with nerves but we'll get the blighters!

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Guest NATTIE

I was about to say send the letter to Customer Relations Unit Borehamwood, and i was beaten to the post again!!

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Hehehe! We're quick you know! Only kidding, they're the two addresses I've used and seem to have responded, given the odd delay tactic, within a 'reasonable' time!!

 

Hows Nattie and the bloomin' good work that you're doing?

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Guest NATTIE

well fine, i think most people are trained enough to spot an advantage gold account quicker now, and so i need to post less so i somtimes end up in the chat room helping a few others who have queries and relaxing, but work continues until(to quote the PM) "the job is done":D

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Could I ask? Why is it that employers of NW tell us we should send in penalty charge claims? Isn't it against what companies would normally let us do - tell customers to claim against the company you work for when you still work for them!

 

Is it simply tactics - they don't have to then go on to deal with our complaint?! Or is it because they know we'll do that anyway?

 

I would hate to think that all Natwest employees want to shrug us off, because most that I've spoken to seem to outshine those other dreaded uk companies that I cringe at - they're actually friendly and helpful most of the time, apart from the odd one which is far less than you'd find somewhere else!

 

 

 

 

 

Am awaiting my

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Guest NATTIE

If someone is intent on claiming against natwest for what they perceive(oops bank speak) as penalty charges, unlawful charges, then as a bank we have to inform you that you should put it in writing and who it should be sent to. To be blunt, if you came into the branch and said you wanted your charges refunded and there is no bank error, then i will be the first to decline the refund straight away.

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Love it when you talk dirty Nattie!!!! Whoops.......... off to the bear garden for me (it's the only place the mood I'm in!!!!!!!!!!!!) :D Soz for hijack!

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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An update:-

One of my accounts (the one usually dormant) has been closed by crapwest without sending me a supporting letter etc, I don't really mind but wondered why they would do this when the account is in dispute so, after advice from Nattie, I called them yesterday and they called me back today.

 

Because it's been closed they can't tell me anything, isn't that nice! So I have to go to my bank. I can't get a balance on my norm. account because someone cocked up my pin no. then cut me off when I was going to reset it! Then I lost my card! How dippy is that?

 

Anyway, to cut to the chase I sent my LBA (or is it SOS?!) letter for claiming on 2 accounts dated 8/3 and I've been told they're making an offer which is 'probably' why the 2nd acc. was closed. Although they know they're making an offer, apparently the letter may not be sent out for another 2 weeks - how very strange - so I might have to send a chase up letter anyway (boo).

 

I have to say the girl I spoke to in c/relations was lovely and helpful and, although she referred me to my local branch, she did all she could which was great.

 

I'm glad to see that NW aren't using any delay tactics - probably because I handed one letter into the branch and copied it to borehamwood (not mr higgledy piggledy yet, that'll save him five minutes I'm sure he's got plenty to do already!) so they couldn't exactly say they didn't receive it.

 

So, I'll just wait. My 2nd letter is due to go out on Thurs...just hoping to the bank gods that they don't want to close my main account. I won't be bad with my account again, promise.

 

Any comments on the offer at all? D'ya think it will exclude the interest as that seems to be the norm.

 

Will stop waffling.

Nuddy

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Erm, a person who wasn't supposed to tell me how much the offer is did tell me what to expect, around 2,400 wasn't quite what I expected! I think I'll be declining that one. I haven't received anything anyhow so I have to post my 2nd claim letter tomorrow...

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Erm, a person who wasn't supposed to tell me how much the offer is did tell me what to expect, around 2,400 wasn't quite what I expected! I think I'll be declining that one. I haven't received anything anyhow so I have to post my 2nd claim letter tomorrow...

 

Also forgot to say, when they sounded so helpful at customer relations they told me nothing but told me to go to my local branch. The branch member looked at me as if to ask why the hell had they done that as they all use the same computers anyway. So I basically dragged my to little ones out in the rain to get to the bank for no reason. They're not doing very well are they?

 

Couldn't send out my chase letter on22nd so will be doing that monday.

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Guest NATTIE

Well, about the account closure or the offer? If it is about the closure then the branch should pull their fingers out because it is something they can look into and find the reason.

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Its the account closure, nobody can tell me why its closed which I find bizarre. I've now spoken to 3 people, not one of whom took any responsibility. Rather daft but then its been the same every time I ring, no matter how friendly the operator is they either can't tell me whats going on or don't want to. Don't know how many times I have to spend my own time on wasted phone calls and visits to the branch.

 

Sorry Nattie, just on my soap box this morning!

 

I've complained to the OFT and FO so I'm not going to get anymore wound up about it.

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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You stay on that soap box as long as ya like Nuddy. If you dont ask, you dont get, ANSWERS THAT IS. Lol. Make as much noise and nuisance of yourself as possible. You will get your answers. Just stick with it, and dont go away. MAKE YOURSELF KNOWN. Fendy xxxxxxxxxx

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Cool gal, I'm good at that xx

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Hey everyone.

 

just about to send off my LBA, is now the right time to add charges that I've had since my last letter - I understand if it gets to the court stage I won't be able to add these charges on? Or should I just basically copy what was on my first letter?

 

Cheers peeps

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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Right, thought I'd better list things now as I'm getting confused with all the dates and no doubt will lose the bit of paper I've written it on to the winds... erm, ok:

 

Various calls disputing led to...

 

14 Nov - DPA letter

16 Nov - (rcvd 19/11) NW wrote delaying (investigating), be in touch before 29 Nov...

29 Nov - (rcvd 3/1) NW wrote, std letter with t's & c's n all that crap

6 Dec - Fee request rcvd 9/12

29 Jan - Payment sent (I know, late late late!)

13/2 - Statements rcvd, as usual envelope disintegrated!!

8/3 - Prelim. letter sent

14/3 - 1 acc. of 2 closed

19/3 - Cust. Relations will c/b about acc. closure

21/3 - Cust. Relations have no answer for me, go to branch

- Complaint made to Financial Ombudsman & Consumer Direct re acc. closure whilst in dispute with no warning

23/3 - Visited branch, can't answer whey acc. closed either - "Don't know why you were asked to come here, our systems are the same"

26/3 - LBA letter sent

27/3 - Visited branch with a mission, will call me back after investigating at Chatham office

28/3 - Branch c/b: "Bank Decision to close account/unsatisfactory conduct, ring Business Banking"

 

 

So, when I get home I'll be ringing someone else. Should I claim for all these bloody call charges and my time too!

<--If you think this post was helpful, click on the scales underneath my alias and help me catch up with the others!!

 

Sky Broadband:

Requested 5/11/06

Letter 6/12/06

Equipment received 20/12/06

Connected 22/12/06

:)

Ongoing problems = 4.5 hours of calls

:x

Moved house 30/04/07

Not connected = 1.5 hours of calls

:x

Complained 16/05/07

New Equipment Received 21/05/07

Connected 25/05/07

:)

No problems with connection, await refund of calls / time ...

:rolleyes:

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