Jump to content


  • Tweets

  • Posts

    • Hi thank you  for your cordial response on this.   I moved to my recent address just over 4 years ago. In regards to identity theft I was thinking something along that line.   Just as a point of query when you mention ringing northants bulk and requesting a claim form, what claim form would this be please.    I have already filled in the n56 form thinking it's a legal requirement to do so, but subsequently sought advice from a friend who pointed me to seeking advice from here, where I already had an account, I haven't posted the form off,should I wait until they send me another one in the post?    I don't want them to start automatically taking deductions from my earnings for something I am trying to highly dispute. I mean can they even do that? As I doubt the court or Hitachi know my employer, but I work in security and it may be the case that my employer may take a dim view of some alleged debt I owe and it may affect my job position.   Another point of interest was that it was posted to the building number and not my specific flat number at this building,which leads me to believe they're not too clued up as to my correct address.   And thank you for your reassurance, it's calmed my mind quite a bit.   Many many  thanks 
    • When was the last time you moved? Looks like it might be historical identity theft?   you have the ccj number go ring northants bulk and ask for a copy of the judgement and claimform by email pdf.    N56 is the form in response to an attachment to earning order. You need to fill it in disputing the order as you know nothing about the debt/judgement as it appears to be historical id theft.   just to reassure you. There is no right of forced entry on consumer credit debt.
    • Hi. I'm sorry to hear about your problems just when you don't need them.    I think @unclebulgaria67might know more than I do about complaining but do you have a copy of L&G's complaicomplaints procedure? Normally you give them eight weeks to resolve your issues and then you go to the ombudsman but there could be a different way to do it.   HB
    • Hey @BankFodder,    Long time! I hope all has been well with you.   I received an update on my claim, a letter titled "Notice of Transfer of Proceedings". The letter informs me of the next stage of my case - it will be transferred to the County Court Hearing Centre. It states that "on receipt, the file will be referred to a procedural judge who will allocate the claim to track and give case management directions". The details of the judge's directions will be sent to me in a notice of allocation.    I hope you can provide some insight on this @BankFodder. What would the appropriate plan of action be? Gather all relevant evidence and start building a defense? I would appreciate your wisdom and knowledge.   Wishing you all the best. 
    • In 2017 I took out life cover which included critical life cover.   The broker asked the questions and filled the answers in.  I checked the signed.   When it come to medical questions I was able to in to my medical records and answer the questions truthfully    nov 2020 I was diagnosed with a brain tumour.  This was covered by the policy and made the claim   i give consent to access my medical records and which consultants where involved   update come back from legal and general informing me records received but further information is needed from the hospital. another update come back saying the consultant had failed to answer the question and have sent another letter to the hospital  requesting the information. another update come back saying the question is still unanswered and further information is needed   i called legal and general who said it’s with and assessser and she could not tell me what the question was. I received an email 5 minutes later with and update informing me that the records included a “ tia following a collapse in 2014. No other details were provided around this”    I have no recollection of this and certainly not in my records. Although I did collapse in 2012 and taken to hospital.   This was put down to the death of my mother and no further treatment was needed   they said because the hospital have failed to answer the question they would write to my GP i got an update saying the GP  failed to answer the question and would be writing to them again another update.   The GP had again failed to answer the question  the update informed me  yesterday that they are unable to proceed and would therefore refer it to an underwriting team   every time they have received replies from the doctor or hospital. legal and general have a six week turnaround time.  Hence 10 months later this still not been resolved  and now I’ve got to wait for the underwriting team   how do I go about complaining     
  • Our picks

Wingnutta vs NatWest**WON**


wingnutta
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5135 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

Thats a fair point - i am getting a bit lost here, do i just fill in 3 copies of the N1 form?, or just send a revised POC. I now know what i have to send but getting very confused here as how to do it???? - sorry if i am being a pain!

Prelim sent 10 April - Nothing received :rolleyes:

LBA sent 24th April - Nothing received :rolleyes:

Issued Court Claim 10th May - Pending :rolleyes:

Link to post
Share on other sites

  • Replies 91
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

wingnutta

 

Just to clarify and summarise everything above - you have been asked to supply a revised PoC by the court. Therefore you do not need to fill in a N244 or a N1. You need to send 2 copies of a revised PoC (one for the court and one for the bank) and keep a copy for yourself.

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

Link to post
Share on other sites

ok - that is fully understood steven - thankyou. A revised POC will be on its way tomorrow. Will keep you updated. I am a big fan of online capabilities but in this case doing MCOL in my eyes was just a hinderence. Paper copies all the way from now on!! :D

Oh and name is Adam all - less characters than wingnutta!! :p

Prelim sent 10 April - Nothing received :rolleyes:

LBA sent 24th April - Nothing received :rolleyes:

Issued Court Claim 10th May - Pending :rolleyes:

Link to post
Share on other sites

OK Adam, with you all the way.

 

My personal opinion is that MCOL is too fraught with problems for bank charges cases - N1 is much safer

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

Link to post
Share on other sites

  • 2 weeks later...

Hi everyone - hope all are well. Just an update really.. i sent my revised POC along with a copy of my schedule of charges (with correct wording this time in relation to charges as they are shown on statement.) to the court manager at hitchin. I sent 2 copies to them as stated above.This was over 3 weeks ago now and i have heard nothing from either court or cobbetts??.. is this about right?? I have no deadlines to keep watch on now so is there anything i should be doing or someone i should be calling??? I dont mind sitting tight at all if thats the right thing to do - i am just very determined to see this through and i will not screw it up now! :D Very good news about the test case - although i dont think a lot of us at this time will be affected by it??? :rolleyes:

Prelim sent 10 April - Nothing received :rolleyes:

LBA sent 24th April - Nothing received :rolleyes:

Issued Court Claim 10th May - Pending :rolleyes:

Link to post
Share on other sites

Hi wingnutta, I'm glad you got the amendment sorted out.

 

I've taken this from the 'claim too vague' thread, it should give you an idea of what to expect next:

 

Attach your spreadsheet and take 3 copies to the court, along with 3 copies of the completed N244 + the fee. Tell the court staff what has happened, apologise for their inconveniance, and ask that your current particulars of claim are disregarded and replaced by the new ones. It will have to go before a judge to ok the amendment, and you could possibily get called for an application hearing which is nothing to worry about.

Also, if you are at the AQ stage, complete your AQ and take that to the court at the same time - you'll find guide notes in the templates library.

 

The Court will then amend the details, re-seal the claim and return it to you and it is your responsibility to re-serve it on the Defendant. Ensure that you keep a copy of the sealed N1 for yourself too. Once you have served the claim you should send the Court a completed certificate of service, here http://www.hmcourts-service.gov.uk/c.../n215_0106.pdf along with a copy of the N1 so the court knows when the bank need to respond.

 

Looks as though you need to wait for the court to get in touch - but it may be worth giving them a call tomorrow just to see where they're up to with the amendment!

 

Let us know how it goes with them x :)

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.

Link to post
Share on other sites

  • 2 weeks later...

ok - BIG update today my friends. Firstly i got a letter this morning from Hitchin CC from the judge saying that after reading the file he is issuing a stay pending the outcome of the test case and that neither party can remove the stay. Well i kinda expected that really so no shocks there.

In the same post load though i have received letters from natwest. Opened up the first and its we still think our charges are fair blah blah blah but that goodwill offer still stands of £109 (claim in total at mo is £1500). Obviously laughed at this but also noticed another letter looking the same. Opened it and same letter but with offer at £983.

Now i thought that this was natwest being confused as they were different amounts however it was actually me being thick - they were for the two different accounts that i am claiming for! - Now here comes the goodbit - i totalled them up and they are actually the full amount pre court fees and interest (£1092).

So here i am seeking advice, am i being an idiot not to accept as it is full original offer?? I appreciate that i have now spent £120 in court fees but in my own personal situation i am prepared to overlook that. Is it just a straight case of my own preference????

Technically i have won as they are offering my charges back so what do you all think is best?????? :confused: and as they have different ref numbers am i ok to send them both together if i do?? ie i cant just accept one and not both??

Prelim sent 10 April - Nothing received :rolleyes:

LBA sent 24th April - Nothing received :rolleyes:

Issued Court Claim 10th May - Pending :rolleyes:

Link to post
Share on other sites

Hi Wingnutta,

 

 

I have had exactly the same happened to me, a letter with an offer from Nasty West with all the charges except interest and court fees. My case has not been stayed yet , but I think it's just a matter of time, as the banks, to be fair do have a pretty good argument for the stay, and any judge would look objectively at that.

 

Now do we take the money and run... well I guess it depends on your finances ( mine are pretty tight at the moment ) but eahc offer letter pertains to only one account, and I guess you are free to accept the offer you prefer ,( or in plain English , the money you want now and reject the one with the money that you don't mind waiting for) for to be honest , the case is due to start next Jan, and could go on for up to a year ..with appeals and such.

 

Anyway not sure is this helps, but as they say the choice is yours!

 

Good Luck!!

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

Link to post
Share on other sites

so i cant accept both offers then??.. even though they are for two seperate acccounts???... decision decisions eh.... money is fine with me to be honest but its the timeframe.. i am thinking over and done with really :)

Prelim sent 10 April - Nothing received :rolleyes:

LBA sent 24th April - Nothing received :rolleyes:

Issued Court Claim 10th May - Pending :rolleyes:

Link to post
Share on other sites

No you misunderstood me, you can accept both offers as they are for different accounts.....no probs..

 

its all up to you..

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

Link to post
Share on other sites

ah ok... well its an offer of all my charges back so i think i am gonna accept it. My other halfs brother is just at court stage so i am going to concentrate on his. Lets see if money actually arrives eh.. thanks all.. If it does, there will most certainly be a donation on its way. :D

Prelim sent 10 April - Nothing received :rolleyes:

LBA sent 24th April - Nothing received :rolleyes:

Issued Court Claim 10th May - Pending :rolleyes:

Link to post
Share on other sites

  • 3 weeks later...

Good morning everyone.. just an update.. i checked my natwest accounts this morning and the charges are in there!!... i accepted their offer whihc was for the full amount of charges so i am only down the court charges of £120. My original claim was £1090 so i am £970 better off.. which i am happy with. Not sure if this counts as a win but in my mind its a victory. I will be making a donation just as soon as the money is in the account i use now.

many many thanks to all and everyone that has helped me along the way - sometimes with some very patient answers to some very silly questions. Without you i would never have got this far and i am very appreciative.

Will keep checking the site and will offer help if i think i can.

Again many many thanks. :D :D :D

 

Adam

Prelim sent 10 April - Nothing received :rolleyes:

LBA sent 24th April - Nothing received :rolleyes:

Issued Court Claim 10th May - Pending :rolleyes:

Link to post
Share on other sites

Adam

 

CONGRATULATIONS - WELL DONE!

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

Link to post
Share on other sites

congratulations.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

Link to post
Share on other sites

Great news Wingnutta!

 

CONGRATULATIONS!!!!

 

Enjoy the cash mate, best wishes, Hedgey xxx

:D :D :D :D :D

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.

Link to post
Share on other sites

th_Congratulations_0907.jpg

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...