evelyndarling V norwich and peterborough

[evelyndarling]

okay. i know all my unlawfull charges as i have worked them out from online statements and ive read as much on the faqs as my brain can cope with. im sending off my prelim letter tomorrow. i would really appreciate any advice from anyone else who has come up against norwich and peterborough.

 

thanks!

[evelyndarling]

i received my first letter from npbs yesterday, they have sent me a terms and conditions leaflet and a promise to reply within ten days. do i just wait it out then...

[evelyndarling]

okay. today i get a letter from them saying they are right in what they have done and i can basically get lost. is it at this point i send my LBA? its such a stupid letter, stating that its fair to charge someone £29.50 for a bounced cheque.... fools.

 

any advice please???

[evelyndarling]

hello? i could really do with some advice. they have just told me that they consider it fair. whats best to do now...

 

thanks

[kregrs]

We had the same letter but with offer to pay back 25%, they had already wiped 50% of charges. Wrote back saying would only accept if they cancelled all remaining charges showing on a/c, total of £116. They actually did as they said and paid back, along with cancelling other charges, just a shame that we now feel they should pay back the rest of what they owe us so they'll be receiving another letter.

[evelyndarling]

hmmm. there was no offer on my letter. it was just all policy gumph. i sent them my LBA this week, curious to know what they are playing at. it seems odd that they are being so staunch as im only after them for about £170. i hope they try and push me to court because if theyve taken no one else it may be a load of egg on thier faces for such a small amount.

[evelyndarling]

ah ha! received this today.....

 

 

 

 

 

i love the way they try and make out they are completley within their rights to extort money out of people. no i don't think £30 for returning a cheque is fair.

 

what do others do at this point... advice please! i dont want to accept the offer as i dont agree with what they are saying, and ive already got another account so i dont care if they close it.

[evelyndarling]

hello? i could really do with some advice. im worried that as they are pushing it so hard i will be the one they take to the courts! i dont want to accept this so im going to draft up the rejection letter.

 

advice please anyone? would be greatly appreciated!

[jubaxt]

any developments?

[steven4064]

evelyn

 

I don't know if you have replied to their letter yet. What you should do is to write and

 

a) accept the 50% as a partial settlement only

b) decline their kind offer to close your account and point out that the Alliance and Leicester were fined by the OFT for closing a customer's account just because they were reclaiming charges. The OFT said the practice was intimidatory and vindictive.

c) tell them you intend to carry on with a claim through the county court (and that their closure of your account will be made known to the judge)

 

and

 

d) open a new account somewhere else

 

Steven

[evelyndarling]

ive opened a new account so thats all good, and ive also sent them back this...

 

 

 

Peterborough Business Park

Lynch Wood

Peterborough

PE2 6WZ

 

 

Re: Account number

 

Response to settlement offer.

 

Dear Ms Linnell

 

Thank you for your letter dated 04/05/07

 

I respectfully decline your offer of a “goodwill” settlement and request, once again, that you return to me all charges imposed on this account, totalling £176.50

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. I also reject the further conditions of acceptance that you have attached to this offer, namely the closure of the account in dispute.

 

My Letter Before Action dated 28/04/07 indicates that you have until 14/05/07 to respond before I proceed to the next stage of my request. My deadline remains the same.

 

For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

 

I trust this clarifies my position.

 

 

Yours faithfully

 

 

hopefully clarifying my position. i hope thats all good also.

[steven4064]

Perfect!

 

Steven

[bettyboo1923]

try phoning their banking operations manager. he is a very approachable guy. tell him you will only accept 100% and want to keep your account open. I claimed for my son and girlfriend and after 2 letters phoned the banking operations manager, told him 100% or court. he agreed but wanted accounts closed. then son's girlfriend phoned him and had a long chat and he agreed they could keep their accounts. open. take a look at the penaltycharges.co.uk site. most people on their did the same as me. my son & girlfriend received nearly £1800 in refunds.

[evelyndarling]

thanks, sounds like an idea but i think i might be on a track even if it is a little bit all over the place. they send me a brief letter yesterday saying someone was going to get back to me and they are sorry i dont agree. we'll see what happens in the next few days.

[monkey71]

Hi hows it going ! I received my letter yesterday from Norwich And Peterborough I am after £850 they agreed to give me £29.50 !!!! am now sending them the LBA letter !! let me know how it goes.