Jump to content
  • Tweets

  • Posts

    • Serco are not up to the job, but director's of Serco are buddies with Ministers handing out contracts like confetti on the back of Covid.  Track & Trace and Isolate should be a LA competence, not private firms on the make.   Interesting blog today, the genesis of the crisis started with Blair in 2005, subsequent administrations did nothing to improve responses to pandemic.   https://www.turbulenttimes.co.uk/news/corona/scared-to-death/    
    • Independent Sage met yesterday and has a new report out.   They think the national test and trace system doesn't work and are urging the government not to renew Serco's contract. They say the job should be done by GPs and local public health people who are already deal with the more complex cases and care homes.   https://www.independentsage.org/an-independent-sage-discussion-document-on-contact-tracing-and-self-isolation/
    • Thanks for your reply.   I don't have the money to get the repairs or inspections done to be honest.    It's a BMW 1 series.   I've learnt my lesson. I was having a pretty hard time with my health to be honest at the time. I bought it as a present to myself but was too trusting. 
    • This is a tricky one, BMW's , wide wheels, low profile tyres, stiff suspension over deviations, German Cars are known for that.  It might have winter tyres on, that would cause a rumble. My Volvo is also very weird like that.  It could also be a wheel bearing, which isn't expensive but would need to be done. Why not take it to your mechanic for a an inspection, or the AA/ RAC also do that.  I've learnt the hard way that's what you need to do before you buy the car,    What BMW is it?  I would only buy this brand of car at that age if it had a full history of every service and everything that has been spent on it during it's lifetime.
    • If you get somebody to cover for you on those last three days, are you saying you are OK?  ie you don't need to go to work in your old job and you can start the new one?  So that gives you what you want - yes?   If you can't get somebody to cover for you, you've got two potential courses of action - which may or may not be mutually exclusive.  First, ask if you can move your termination date forward by three days.  Obviously you won't get paid for those three days and whether your current trust will agree to this depends on what sort of relationship you have with your manager and how much they will need you to work those three days - or how easy you will be to replace.  If they say OK - you win.   Second, you don't turn up for work on those three days.  You will then technically be in breach of contract and in theory the trust could sue you for any financial loss they suffer as a result.  This would be the cost of employing somebody to replace you for those three days.  Will they need to replace you?  I suspect they would not bother to sue you, but nobody can guarantee they won't.  And what if you want a reference from them in future?  If you've already asked to bring your leave date forward, and they've refused, they may rightly conclude that you are taking the pi$$ if you don't turn up on those days, and they won't like it - or rather they won't like you...   Or, as I said before, get your new start date put back three days.   The thing is, your current employer can't extend your notice period unless you agree.  If they won't allow you to take leave owing to you during that notice period, they should pay you for it.  Whether you should write to them as I suggested earlier is more complicated because the situation is much less clear cut than you originally outlined.  (You had implied that they had already refused your request to take leave owing to you during your notice period and that you would have to extend your notice period to allow you to take that leave.  That isn't quite the position, is it?  And they haven't actually said they won't pay you for any leave you don't take, have they?)   Two other things: first, are you changing employer within the NHS?  If you are, it's a possibility that questions may be asked if you are in the pension scheme and you have two periods of full-time employment that overlap.   Second, your manager's email refers to "your last working day".  This is a little ambiguous and can cause a lot of confusion in the NHS.  You may wish to check whether they mean it is the last day of your employment (ie including any leave you are taking) or is it the last day you are actually present working.  Do you see the difference?  Managers often get hopelessly confused by this without HR guidance.  (And HR often get it wrong).   It's a pity you can't or won't seek union guidance if you are a member - that's what you pay for.
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
jec

Jec vs NatWest ***WON***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4727 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

hi

new and am completely out of my league. I followed advice form another web site and it did not advise me to send a schedule with my online claim. Have I ruined my chances or will I be able to rectify my mistake and send it on to the defendents solictors?

 

J

Share this post


Link to post
Share on other sites

Hi Jec.

Have you had notification of transfer to your local court, yet?

As soon as you get it, send a copy of your schedule of charges to the court and quote your claim number. Ask for the schedule to be attached to your claim. Also send a copy to your bank, quoting the claim number.

 

Spend a few days reading the FAQs and the step by step guide in the library section. You will find a lot of essential info there that will answer most of your initial questions.

 

Regards, Rooster.

  • Haha 1

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Share this post


Link to post
Share on other sites

Thanks, Rooster.

 

Sound advice. I will take more time to read up and be prepared.

 

Many thanks

Jec

Share this post


Link to post
Share on other sites

My husband and I have a business and advantage gold account with Natwest - been with them 20 years. Never gone into red on our business account. Do all banking via internet. Pay goes into current account via online and on the same day they bounce all my DDs and SOs. Happens so often I phone or visit to complain and ask for it back they say no we are doing this legally to the tune of over 5k in charges so far . Took alot of courage to take on the bank and alot of deliberation.

Filed MCOL and recieved court notice this Monday. Wish me luck.

 

Jec

:!:

Share this post


Link to post
Share on other sites

jec,

You will win. I succesfully claimed over £25,000 from Nat West, because of charges on my business account. Just do plenty of prep work and reading. Be prepared.


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.

Share this post


Link to post
Share on other sites

Thanks Parkdale have been reading site faq's etc. intensely.

 

May I ask, did you stay with S*atwest or move on? Devil you know and all.

 

Jec

Share this post


Link to post
Share on other sites

Left them, but the business closed anyway.


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.

Share this post


Link to post
Share on other sites

Quick question please,

 

At what timescale should I expect a notification of transfer to my local court? - so that i may send on my left out schedule of charges.

 

Many thanks Jec

Share this post


Link to post
Share on other sites

Nat west have acknowledged my mcol today, the 21st. Do they get 28 days from today or from 10th June, when they were served or when???? And please, what should I expect to happen now - what do I need to do??? Don't want to blow it.

 

Janice

Share this post


Link to post
Share on other sites
Nat west have acknowledged my mcol today, the 21st. Do they get 28 days from today or from 10th June, when they were served or when???? And please, what should I expect to happen now - what do I need to do??? Don't want to blow it.

 

Janice

 

Don't panic! They have 28 days from the date your claim was deemed as served to submit their defence. Don't be hasty to try to file judgement against them if they don't submit though - cobblers are notorious for allowing them to submit a late defence (and the courts allow this).

 

Sit back, wait for your claim to be transferred to your local county court, then post on here when you need further info.

 

Hedgey x


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Share this post


Link to post
Share on other sites

Thanks Hedgey,

 

OK, will do. 28 days from 10th June (served date) is 8th July. I will wait and see what comes my way. Has anyone gone to court yet with this bank? Or do they always settle in some way or another? Anyway, will no doubt be asking for much needed help before long.

 

Many thanks all,

 

Janice

Share this post


Link to post
Share on other sites

You'll find that they'll settle jec, but the trick is to be prepared at every step of the way and don't take anything for granted. Wait until you hear something from the courts, then we can advise you further. In the meantime, relax!!


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Share this post


Link to post
Share on other sites

:confused: Thanks Hedgey,

I know you say don't worry. But now I am Really confused just been reading other threads and what is a POC??" As I stated earlier I started my process via other web site (really useless one as it turns out). I send SAR only got back statements - no probs. Phoned bank - no help there with charges. Went into branch to challenge officially my charges was told to bogoff. Been in to see them so many times to complain about charges it was no wonder.

 

Then sent letter on 19 may no response. Filed mcol on 5 June. Sent spreadsheet to Mcol and Bank on 18 June. Nat west acknowledged 21 June.

 

I believe I may be one of those you refer to who may have messed it up.

 

Also please clarify what t and c's I need for my account. Been with then 20 years and they changed me to advantage gold when I openned a business account ten years ago.

Share this post


Link to post
Share on other sites

Also, sorry to sound dumb, my excuse is my age. Found out poc is mcol? right? Don't think we did that stage right at all.

 

As this is a joint acct and my husband's name is on the mcol but our names are on all letters sent out. Can I also attend and if so needed defend in court. Hubby is not the one doing the reading up (better late than never) - anyone???? t&C's that are relevant for a long standing account like mine?????

 

Many thanks Janice

Share this post


Link to post
Share on other sites

POC is Particulars of Claim, this is the breakdown of what your claim is when submitting it through the courts.


If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

Share this post


Link to post
Share on other sites

Thanks Trish

 

Not sure what to do about that one, as I sent my spread sheet on and it prob crossed in post with NatWest acknowledgement. I believe they will require full details from us in cpr18 as we are total newbies and appear to have lost the plot. Where are your children when you need them??

 

Janice

Share this post


Link to post
Share on other sites

Any t&c's for natwest accounts 15 years plus???

 

ANYONE PLEASE:confused:

Share this post


Link to post
Share on other sites

Any t&c's for NatWest accounts 15 years plus???

 

ANYONE PLEASE:confused:

 

Also, may I please enquire if when preparing my court bundle, do I need to include all six years bank statements (x3 one for each bundle) wow if so that wil be expensive to do.

Jec

Looks like I'm ready to kick *ss and chew bubblegum, and I'm outta gum!!

Share this post


Link to post
Share on other sites

Jec, write to Customer Relations Unit (Borehamwood address) for your original T&C's as follows:

 

 

Ref: Account number xxxxxxxx

Sort code xx-xx-xx

 

Please forward a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These are requested under CPR Pre-Action Protocol 4.6© for my claim number xxxxxxxx in the xxxxxxxx County Court.

 

Yours sincerely,

Jec

 

C.c. Cobbetts LLP

 

I actually got this from a post that Steven4064 made a few days ago - so thanks to Steven for the above info - duly pilferred and used for my own T&C's as well!!!! ;)

 

 


Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Share this post


Link to post
Share on other sites

Cheers for that Hedgey!!!!!!!!!!!!!!

 

Will do it now, for post tommorrow. Also, is it so that I need to provide 3x photocopies for court bundle (one for me(originals - so 2x photocopies) one for defense and one for Judge???)

 

Many thanks in advance

 

Jec:)

Share this post


Link to post
Share on other sites

Unfortunately, the answer to your question is yes! I'm pretty sure that you only need to copy the statements that have charges on them though. Keep a receipt for the photocopying - might come in handy if you decide to do a waster costs order once you've won!!! xx ;)

  • Haha 1

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Share this post


Link to post
Share on other sites

OMG!! That's alot of sheets 3 whole pages of spreadsheet.

 

Ouch!

Ch-ching goes the cash register.

 

Ta for that.:)

Share this post


Link to post
Share on other sites

jec

 

Keep a receipt. When they settle out of court (or when they don't turn up in court and you get their defence thrown out) you can apply for a http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

  • Haha 1

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

Share this post


Link to post
Share on other sites

absolutely and will do Steven

 

Many thanks

Jec:D

Share this post


Link to post
Share on other sites

Hi Janice

Interested in your posts which are linking nicely with mine-My papers were served on the same day as yours so I'll keep in touch-keep reading my posts and I'll keep reading yours. Good luck!

Bodgerella

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...