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    • your other expenses are the priority ones that must be paid 1st   are all these still with/paying the original creditors?
    • looks good to me   not due till / by 4pm monday
    • you need the particulars of claim ring northants bulk and ask them to send it by email pdf or get them to read it out ...RECORD YOUR CALL>   the sb date does not run from defaulted date.   there are numerous threads here on these backdoor erudio CCJ's when the loans had never eben deferred with erudio so must be sb'd.        
    • Hello Everyone   I would like some advice of when I should submit my defence to the court. The Claim form I received was dated 23/09/2021, however it didn't actually arrive with me until the 27/09/2021. I haven't received any response from LC Asset as of yet to my CCA Request and only what I would call stalling letter from Kearns as mentioned above on the 07/10/2021 to the CPR31:14 request.   I have also listed below a 1st draft of my defence and would appreciate any help and advice or suggested inclusions or amendments.   1.The Claimant (C) claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxx and opened xx/11/95. The agreement is regulated by the Consumer Credit Act 1974 (CCA) was signed by the Defendant (D) and from which credit was extended to D.   2.D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by 25/02/2010 a default was recorded. As at 15/12/2020 the Defendant owed Barclaycard PLC the sum of £3751.16.   3.By an agreement in writing the benefit of the debt has been legally assigned to C effective 15/12/2020 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   And C claims - 1, £3751.16, 2, Interest pursuant to section 69 County Court Act 1984 at a rate of 8% per Annum from 15/12/2020 to 23/09/2021 of £206.18 And thereafter at a daily rate 0.79 to date of judgement or sooner payment. Date 23/09/2021     1, Paragraph 1 is noted. I have had in the past a contractual relationship with Barclaycard. The Defendant does not recognise the reference number provided by the claimant within its particulars therefore I am unable to admit or deny the alleged debt claimed. I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my requests for further information.   2. Paragraph 2 is noted. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by Barclays Bank and received by the Defendant.   3. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or Barclays Bank. 4. On the 05/10/2021 I requested information pertaining to this claim by way of a CPR 31.14 request and CCA1974 Section 78 request. The claimant as yet to respond to this request. Kearns as yet to respond in relation to the CPR 31.14 request. To date, 21/10/2021, no documentation has been received. The claimant remains in default of my section 78 request. 5,It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   Thank you in advance of any help offered    
    • Hello  Like most on here have got myself into a pickle and having been giving different advice by stepchange and payplan on which route to take am coming here for advice.   I work from home (Job is secure for now but with covid / brexit it could change in a years time), have around £14k of debt and bank with natwest (I have just opened a very basic account with another bank so I can get my wages paid into it).   Debts: Natwest Loan  / £3,407,03 left to pay / Currently paying £197pm (Have just missed 1 payment and now using breathing space for 30 days) Argos store card / £2,018.67 left to pay / Currently paying £86pm Capital One card 1 / £508 left to pay / Currently paying £50pm Capital One card 2 / £2,950 left to pay / Currently paying £212pm Aqua card / £3,600 left to pay / Currently paying £212pm Studio24 / £152 left to pay / Currently paying £40pm Very / £1,315 left to pay / Currently paying £100   Then I have other expenses (Rent 575, council tax £175, Utilities £175  etc) am just left with nothing and that is just by paying the bare minimum.    What would you advise ? my credit file is trashed now as have been gone over my balance on the credit cards and paying back the minimum to clear them.    
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hi does anyone know the answer please


jks2301
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hi iv just been verbally offered a settlement by nat west for the full amount of my claim less the interest.

the problem is i have a loan a/c with them which is in collections although the reduced payments agreed are up to date.they say my repayment will be offset against this.

now i need this money so can i still issue the small claim as i havent had the offer in writing.- they say it will be three weeks till i get this.

the time scale i gave them is up tomorrow

any advice as what i should do?

if if wasnt for this i would accept but i beleive once i issue a claim any repayment comes to me in a cheque

thanks all

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Not necessarily so. And the fact remains that if they come back to you offering your full charges returned in full, but without interest, YOU HAVE TO ACCEPT. Im sorry, I know its not the answer you wanted, but if their offer is for full charges, nothing short at all, then you do have to accept. No court would look favourably upon anybody pursuing the 8% interest if they had been offered the full charges back. Im sorry. Perhaps if you wanted to PM a mod on here they might offer something a bit more detailed as to why, but it would be somewhat foolhardy to pursue interest on this when you have been offered RETURN OF ALL FULL CHARGES. All the best, whatever you decide. Fendy xxxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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thanks for answer but what i meant was could i pursue claim as i have only had verbal offer or does that count the same as an offer letter.

the time limit i set in my 2nd letter expired yesterday so if i hadnt called them i would have gone ahead anyway. wish i hadnt now

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Lol. Know what you mean. Technically, yes you can start claim if you have not received anything in writing to say they are offering full charges, but to be honest, I think its a close call. What if they argue to court that on XXX date they offered you charges in full, and you accepted. I know its not charges in writing, but it still might not look that good for you. Why dont you do a letter to them today or tomorrow, and fax it through saying unless they put it in writing to you in 3 days then you will be starting claim for charges plus interest. That way in court you have covered yourself. i.e. they offered charges back verbally but as letter was not forthcoming in the timescale given to them in writing, you had no choice but to file claim. Anything you send, make sure if its faxed you keep the fax confirmation or if its posted, you keep recorded delivery slip. Thats your proof that you told them you wanted it in writing. All the best. Whatever you decide. Fendy xxxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Continue with your claim until the money is cleared and with you. Any court fees are claimable. Also always get everything in writing. Good luck.

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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i spoke to three people

1st was the lady who had an offer was going to be made for full amount of charges only as they dont pay interest

i asked her to note i had asked for a chq as the a/c is closed to me

she said if i spoke to cms they would arrange for me to withdraw money once paid in

i rang them and the man said yes thats fine call back when money is in and we will sort it out

i came off the phone and on 2nd thoughts rang back to ask for it in writing

this time i was told by a diff man that no way would this happen it would be taken and offset against the loan and that i had been given wrong info before

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jk2301,

They may be able to take for your loan, but i would definately carry on with the claim, because if you do get your interest as well. That wiill at least give you more to off set your loan.

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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Parkys been there and done it, so his advice is good. Fendy xx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Cheers Fendy action-smiley-033.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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well what im thinking is i only pay 10.00 p/w to cms and need the repayment in bulk really but if i dont get it i havnt really lost cos i never had it in the first place

im gonna file the claim tom and chance it i think. if they use the phone calls against me it will also show two people said i would be able to get the money and one snooty b......d said i couldnt

no idea how to go about it tho i have to go to local court cos i exemp from fees will they tell me what to do

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Your confidence is growing. You are ready for battle i think. Loads of help here. Just ask away. This might help you.if you are exempt from paying court fees.http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=9

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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its not confidence but desperation i think

its hard to beleive but over the course of just one year nat west ruined me offered no help when i was in trouble so i will show no mercy either lol.

worth a shot i think

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They did it on me for 6 years and ruined my business to boot. Revenge is sweet, and revenge will be yours.

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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They did it on me for 6 years and ruined my business to boot. Revenge is sweet, and revenge will be yours.

 

 

nearly did it to me as well, i echo your words parky,i just can't wait for the day the postman delivers my little old cheque the day will be sweet and remembered till my dying day lol

 

another 3 people claiming bank charges today cause i told them about it,also a mate has recieved £11000 back (not nat west tho)

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Tell everyone you know about this brilliant site. Loads of help availble. The revolution is well underway.;)

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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Well under way Parky, I would say nearing its fattest swell. Um.......... another one for the CAG then. Yaaaaaaaaaaaaaaaaaaaaay. Fendy xx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Tell everyone you know about this brilliant site. Loads of help availble. The revolution is well underway.;)

 

i find it amazing that so many people give up their spare time to help so many others,i didn't believe there was such a community spirit left in this little old country of ours,it is helping to restore my faith in the general public as no one seems to have any time for anyone else these days .probably to busy trying to earn some money to pay there bank charges.. Anyway keep up the good work everyone....

 

perhaps we can start harrassing the banks to clear cheques quicker next

good luck eveyone

 

scott

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Tis a gem of a place Scott. Tis a gem. With good people who have a common cause at heart, and thats trying to make the banks play fair. Were not here to beat them over the head with a big vengeance stick, purely to try and get fair play for all for the future. Fendy xxxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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scott150663,

Thankyou for your amazement redface.gif you made me blush. Only joking. This is a fantastic site with a sort of virtual comradery. Which in its own way has created a very

efficient force to fight the enemy. ( banks ). Their are battles taking place all over the site. The generals (the moderators )give us guidance. Nattie our Nat West staff member is in charge of intelligence and espionage. So we have a real fighting force to be reckoned with. So Scott welcome to the CAG ARMY.

P.S. Nearly forgot to mention Fendy who is in charge of the mental torture unit. :D

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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jks2301,

Totally sympathise with you, but I am not 100% sure if they have set you up with a loan for your overdraft.That is a completely seperate agreement. If you are in arrears with the loan. They may let you settle your arrears with any settlement., and you might then be able to keep the rest. Don't let them intimidate you into an early settlement. Even if you have to go all the way to court. I would write to them to say that any settlement is only to pay of the arrears of the loan. Nattie is your man to tell you how the internal workings of Nat West work. I do wish you all the luck in the world. Tons and tons of help available on here. Just ask away.

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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Have a look at this thread:http://www.consumeractiongroup.co.uk/forum/natwest-bank/11431-nat-west-3-claims.html

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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