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Usual Course Of Action


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Hi All,


I am in the process of reclaiming some charges from Natwest. They unsurprisingly stayed very quiet during the standard letters stage so I have issued court proceedings against them.


I was wondering what their usual course of action is from now on. Do they pay up after the threat of court, do they defend themselves or do they just ignore everything totally.


Let me know your experiences as I am trying to decide if it is worth accepting their offer of £500 less than I am claiming for.



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As with Lloyds, Nasty Vest will more than likely defend any claim made in the court against them.


To get to this point you have incured additional court fees and are also claiming the 8% interest so at the end of the day whether you accept their offer of £500 less than you are claiming is entirely down to you.


My temptation would be to go back to them in writing and say that as the case has got to the court stage you will accept settlement from them of a figure that is slightly lower than the combined total of your original claim and the court fees.


They may decide to settle with you as it will save them the additional 8%.


Give it a go and see what they say.


If they refuse your offer then, should they defend and it ends up in court, at least the judge will be able to see that you have made an effort to resolve the case with the bank and it may go in your favour.



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I agree with Vampiress. If they were bothered about he money, they would have setteld at the prelim stage.




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