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nat west owe me £37k ***won** 13/04


scott150663
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scott 150663,

Totally and absolutely understand your feelings towards Nat West .My total charges settled or still in the claims process total around £27,000 with interest. I split mine into 4 different claims. They absolutely crucified my business. We got stuffed by the foot and mouth epidemic and Nat West just gorged themselves with penalty charges from our account.. I understand even how Nattie was surprised by the amount of the charges levied on your account. Speaking only from my experience with NW. Therepursuit of obscene profits in the pasts years were cynical and ruthless to say the least. . Finally i wish you the best of luck. Keep everyone posted on this brilliant site.

There is alot of help available here.

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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Scott.

I too wish you the very best.

My business was not on your scale, but the sheer greed of the Banks makes my stomach turn.

Rather than pursuing what was a justifiable profit for their services, they would find any angles to maximise profits.

I remember one occasion when I had no ovedraft facility, but had a cheque presented for £20. Instead of allowing a temporary £20 facility, and being content with the interest on such, instead they returned the cheque, charged me £30 for doing so.....which then took me £30 overdrawn anyway.....then hit me with another £30 in Unauthorised borrowing fees !!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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thanks eveyone for your replies i will keep you all informed of my claim over the next few weeks .Good luck all we'll all get our money back .

 

the banks cant win so its just time,be patient and hold out 4 all your charges & interest

 

regards

scott

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Hi Scott, I've replied to your PM.

 

Also, just out of interest, what type of charges is it that you're claiming?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Ok, thats fine then. I was just making sure you had'nt included monthly service fee's or normal OD interest, etc - its a very common mistake and as your claim is so huge I thought I'd better check.

 

So have you completed an N244 then?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Ok, thats fine then. I was just making sure you had'nt included monthly service fee's or normal OD interest, etc - its a very common mistake and as your claim is so huge I thought I'd better check.

 

So have you completed an N244 then?

 

 

GARY

 

 

Yes finished the N244 at court on Friday but decided not to leave it with the court until i checked it out on this site. I followed your link and added some extra info onto the form.So on monday im filing my N244 AQ and keeping my fingers crossed (im confident its all correct as i double then double checked every item)

 

thanks for your help Gary

scott

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Sounds good to me.:)

 

Keep us informed.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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hi everyone

 

i got notification from the court that the judge has approved my ammended POC (COST £35) i had already sent cobbetts a copy so i faxed them a 2nd copy along with a copy of my charges (again).corbetts said thet hadnt recieved the other copies (normal stalling tactics i believe).i followed up the fax with atelephone call to confirm they had recieved all the pages and would they require any other info faxed to them.They replied that they had all the info that they require so i asked them whether i could also claim the £100 for the AQ the reply was YES they will pay u that as well,ithen asked at what stage they are at with there defence and i was told that it will now be up to the nat west to decide on what course of action to take.i'm assuming im close to being paid out am i correct? or have i got more suprises coming my way.....

 

any comments would be appreciated

regards scott

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Scott

What stage are you at?

Have you recieved their defence, and now filed your AQ?

If so, it is now a matter of awaiting the courts directions as to track, allocating a court date, (and whether, and when disclosure would be ordered).

Please post a bit more info about your claims history, your current positions and whether you have a court date ?

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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photoman

 

thanks for responding

ive filed my AQ

also asked for disclosure but no court date as of yet,i ammended my POC because i referenced consumer law in my original POC,the claim is staight forward as im only claiming for returned cheques &ddi's + statutory interest at 8 %.

 

I take it from your reply that nothing will happen until i get court date is that correct?

regards

scott

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LBA 4 TH December 2006 WHICH THEY LOST

2nd LBA 2nd Jan 2007

no response told to wait 8 weeks

24 jan 2007 mcol

corbetts filed defence on last day (via fax to court)

10 march i filled ammended POC & AQ submitted

 

16 March 2007 judge allows ammended poc

16 march faxed corbetts to serve ammended POC & copies of charges (again)

 

hope this helps

scott

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photoman

 

thanks for responding

ive filed my AQ

also asked for disclosure but no court date as of yet,i ammended my POC because i referenced consumer law in my original POC,the claim is staight forward as im only claiming for returned cheques &ddi's + statutory interest at 8 %.

 

I take it from your reply that nothing will happen until i get court date is that correct?

regards

scott

 

It seems to be the usual course that the Banks will wait until very near the court date, or the date that they are finally required to provide disclosure (dependant on track allocation) until they will attempt to make a settlement. Presume you have not had a court track and date allocated yet ?

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi Scott,

 

Once you have re-served the amended 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. Make sure you keep a copy of the N1 for yourself too.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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hi everyone

i ve reiceved corbetts AQ today can someone confirm what the following means and do i need to reply to corbetts?????

 

 

case management directions cannot be proposed until the claimant serves a reply to the request for further infomation which was due on 19th March 2007. In light of this, the defendant may amend its defence or apply to strike out.

 

im assuming they are refering to cpr request which i refused to answer and sent them a letter from the template section explaining my reasons..

 

Just for anyone who is claiming more than £5000 My claim is for £37000 and corbetts are requesting fast track and are asking the court to allow 3 hours for the case to be heard....

 

is this common what will happen next

 

thanks for any replies

 

scott

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Scott,

I would suggest you PM GaryH, who know all about AQ's etc and already taken note of your case it appears.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi Scott,

 

Which letter did you send in response to the part 18 request?

 

As you're claim is so large and will probably be fast or multi-tracked, personally I would advise you to answer it as it is likely to be seen as valid in the eyes of the court.

 

Post up the wording of the p18 request and I'll help you with a response to it.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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hi gary

 

letter i sent to corbetts

Dear Sir or Madam:

Claim No:xxxxxxxx

 

I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc.

I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative

Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account:

Account Name:

Account number:

Sort Code:

 

Please also find enclosed a breakdown of all charges I am claiming.

Yours Faithfully

also corbetts are requesting Fast track

i asked court for Small claims court

so it will be up to the judge to decide which track the case will be heard.if i dont send in the cpr 18 can they strike the claim out ,as the cpr18 is a REQUEST surely the judge would direct me to complete the cpr18 if he/she requires that info. you guys have more knowledge than i so should i just fill in it.......

thanks again for your help (thank god there are people like you out there)

regards

scott

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You're right that they can't apply to strike out solely on the basis that you did'nt reply to a part 18 - they would have to seek an order from the court for the part 18 if they wished to pursue it.

 

The court are likely to see the request as valid though, and I don't think you can point to the small claims track provisions as a reason not to respond - its almost inconceivable that a 37k claim would be allocated to the small claims track.

 

So you can either respond to the part 18 or wait for directions from the court, its up to you really.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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yeah, depending on who you want to get there, its

 

their first name then dot, then second name [email protected]

 

hope that helps. But dont expect any replies. I didnt get one and sent about 4 e mails about different stuff to Lyndsey Burgoyne. They dont reply.

 

Fendy xxxxxxxxxxx Best of luck though

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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Thats it, but theres a dot in between Lynsey and her second name, and theres no d in Lynsey. and no r in Cobbets. I wouldnt want it bounce back to you. Undelivered. Here it is below.

 

See below

 

[email protected]

 

Go be a pest to here. Every bit helps. Lol.

 

Fendy xxx

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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yeah, depending on who you want to get there, its

 

their first name then dot, then second name [email protected]

 

hope that helps. But dont expect any replies. I didnt get one and sent about 4 e mails about different stuff to Lyndsey Burgoyne. They dont reply.

 

Fendy xxxxxxxxxxx Best of luck though

[email protected]

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