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    • They won't have offered you a course when they sent the NIP because they don't know who was driving until you tell them.   If you are eligible for a course they will almost certainly offer it - irrespective of whether you've refused one in the past.  If they do offer you a course, I think you'd be daft not to accept it.  (I understand many drivers refuse because they think they'll be treated like naughty schoolkids, but apparently it's not like that and most people find them very useful and learn something new.)
    • Thanks. Sound advice again. I will tread carefully.    I have checked the first correspondence that they sent to me and there is no sign of an offer of a speed awareness course, I do remember being offered one a good few years ago but did not take that up at the time. That may be the reason for it not being offered again.     Looks like my only option now is to shut up and pay up.    Thanks for your input which is much appreeciated.    
    • Just about and card or loan clamform thread here You agree to mediation until the actual call on the day If by then you still dont have enough info to make an informed decision..you say no.   3 copies n180.  1 wit you
    • Think they would be silly to appeal as a more forensic look at VCS MO and shenanigans could turn round and bite Simon on the bum.
    • Experts are saying that the PM's roadmap is more about dates than data, the opposite of what he claims. He could be making a rod for his own back again.   https://www.theguardian.com/politics/2021/feb/26/experts-criticise-boris-johnson-putting-dates-covid-roadmap?CMP=share_btn_tw
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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same happened to me...

 

Natwest will state that they will defend all the claim. This is partly a tactic to give them more time to decide what to do. They are not going to tick the box that gives you your money back at this stage, that would be far too simple and ethical!

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Having read all the problems on this page (and then some) a situation that happened yesterday has prompted me to claim for unfair charges... I had a dd due to come out yesterday and put money in via online banking yesterday morning around 9am. Having checked my online account all through the day the money was there and the dd was listed to come out. Having checked my online account this morning they have refused the dd and charged me the £38 because my money wasnt in on time????????????? I have calculated charges just over the past 6 months and it has come in at just over 1k should I send the letter or is it just a waste of time...:-|

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Got a letter from the court today saying "an acknowledgement of service of your claim has been filed".

 

NatWest intend to defend all of this claim! Is this normal? :confused:

 

 

Yeap - totally normal.

 

Expect a defence in due course from Cobbetts in Manchester who Natwest appear to be using asking on what basis the various acts are being used.

 

They will usually issue this defence right at the very last minute as well.

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