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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Weymouthuk -v- Nat West


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Hi

No it shows you are reasonable and have exausted all avenues lets hope im wrong and NW have become reasonable.I have seen a lot less in payment value for the amount of debt.

If you can secure said payment plan just watch out for the thumb screws towards the end of the plan and anyway you have more than enough to defend should /if they do try what I have outlined as a possable scenario

 

 

Regards

Andy

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We have similar situation with LTSB but no longer use the account so I have sent them letters along the lines of your first one without any fear of repercussions. It is disgraceful how people are being treated when the total debt is made up of unlawful charges, and they actually owe you money. If you moved to another bank you would be in a stronger position.

I know it's not relevant but we just got £1800 back from the natwest on a business claim.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Carl

Make sure you send it spec Del costs £4.30 but can never be denied and again adds to your papertrail.should needs must

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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And I have a fax number for the Birmingham Collections centre, if thats any use? Sort of belt and braces approach, fax it as well as send Special D. Its 0121 566 1521. Have they upped your o/d limit so that you can avoid being charged the overlimit fee of £28 pr month?

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Hi Goldlady, Andy & WendyB

 

Thanks all for your words of encouragement. I have been with another bank for a while now so the NW account is basically frozen and no longer in use.

 

This letter is more of a tactical move on my part as it puts an extra little something into the mix for a judge to see if it goes that far. I don't assume for one moment that NatWest have become reasonable but at least I can demonstrate that I have made every reasonable effort to engage them in a mature and decent way, something I think any judge would note and something which I feel would stand in my favour. It's not like I'm telling them I don't accept the debt and they should go take a Flying F~~~. Believe me the temptation is strong though.

 

I will send special delivery, thanks Wendy. I don't mind paying the extra to ensure it is received and signed for. By the way Wendy, check out www.richersounds.com for a good selection of turntables.

 

Thanks all

 

Carl.

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  • 2 weeks later...

Hi All

 

Quick update for you. Sent the letter above by Special Delivery. Lo and behold I received a letter back, actually signed by a human being saying that they accept my offer of £75.00 per month for the next 6 monts at which point I will need to contact them again. So all good....

 

Then, a few days later I receive a letter from Green & Co Solicitors saying that Natwest have instructed them to issue proceedings against me but that they would like to offer me the chance to put forward a payment proposal in order to sort the matter without court. So what do I do now? I have a letter from Natwest accepting my offer and then a letter from Green & Co.

 

I get the distinct impression that NatWest are really disorganised. Should I just copy the letter Natwest sent me and send it to Green & Co?

 

Carl.

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Quick update for you. Sent the letter above by Special Delivery. Lo and behold I received a letter back, actually signed by a human being saying that they accept my offer of £75.00 per month for the next 6 monts at which point I will need to contact them again. So all good....

 

 

Excellent!

 

I get the distinct impression that NatWest are really disorganised. Should I just copy the letter Natwest sent me and send it to Green & Co?

 

 

Yes and yes :D

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Left hand and right hand springs to mind:)

 

Yes, I'd do that, send a copy of the Natwest letter with a coveriing letter to Green and Co. Something along the lines of

 

in reply to your letter of xxxx, please find enclosed a copy of a letter dated xxx from Natwest. As you will see from the letter, I have already made an arrangement with Natwest which they have agreed to, with effect from..... I trust this answers any queries you may have and will bring your interest in this matter to a close. Please confirm, in writing, that you will not be issuing proceedings against me.

 

Something like that should do the trick, amend as you see fit - I haven't really got my thinking head on at the moment.

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  • 5 months later...

Hi Folks, I'm back again and need some advice. I'm totting up my latest set of figures (statements arrived within a week!). In the early parts of my statements there is a recurring 'Service Fee'. Can I claim this back? Also later on, the 'Service Fee' seems to dissapear altogether and is replaced by an indentical monthly amount simply listed as 'Charges'. Can I claim this back also?

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I would include it in your claim - have you any idea what this 'service fee' was for? It is up to them to prove that whatever the charge was for was legit IMO. We were charged £30 a month by LTSB for something similar which I don't remember agreeing to and included it in our claim. They can dispute it if they want;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Service Fee could well be the charge for Advantage Gold, which is £12 eper month. Natwest have taken to being sneaky and now lump all the charges together so you can't make out whats what. If you've got a £40 charge, that would be £28 overlimit plus £12 Adv Gold, and so on. As far as i know, the a/gold fee isn't reclaimable cos its for a "legit" service. I'll have a look at my statements if I get chance and let you know. Cos I haven't had any charges on my adv gold account for ages (Smug look here, but I'm sure it won't last). However on our current plus account I was 35p overdrawn for which I got charged 28 quid, I can fell a spiralling charge debt creeping up again!.

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Here is a list of all charges you can claim...

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-867497.html

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