Jump to content


  • Tweets

  • Posts

    • did you submit your directions
    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

11am Vs Natwest


11am
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6044 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

Great site. Have received back my 6 yrs worth of statements today within the 40 day timeframe. Using your simple excel sheet I work out I have had £1,243 in charges in that time frame. I am lookingto send the prelim letter tomorrow but need some advice. Hope you can help:

 

On your simple spreadsheet it shows £342 interest in the interest 8%APR column.

 

In the prelim letter:

 

What I require

I calculate that you have taken £1243 plus £342 which you have charged me in overdraft interest for the sum which you have taken. Total £1585. I enclose a schedule of the charges which I am claiming with this letter.

Have I done this right?

 

Do I just print out your simple spreadsheet to attach to the letter including the days/interest columns?

 

Many Thanks for your help with this.

 

All the best

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

Hi Liam, welcome on board the nat west forum!

 

The 8% interest column shows the s69 interest that can only be awarded by the courts (if your claim gets to that stage). Hide this column for the time being unless you end up filing your claim at court.

 

Overdraft interest is completely different and more complex to calculate. Basically, if charges send you overdrawn (and you don't have an overdraft) you'll be charged 'interest' on this 'unauthorised borrowing' and you reclaim this figure. If you do have an overdraft, you need to work out what proportion of the interest has been applied to your account due to charges taking you over your overdraft. I'm sure somebody can give a better explanation than I can on this - but it's quite complex to work out (which is why I didn't bother!)

 

Hope that helps! ;)

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.

Link to post
Share on other sites

Thanks for ther quick reply hedgey. So do you think the paragraph on my prelim should read like this instead:

 

What I require

I calculate that you have taken £1243. I enclose a schedule of the charges which I am claiming with this letter.

 

How does that read?

 

Thanks again.

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

Reads perfectly Liam!

 

Print it off and attach your schedule of charges giving them 14 days to respond. Send it to the Borehamwood address recorded delivery............. and don't forget to let us know how you get on!

 

Good luck, 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.

Link to post
Share on other sites

and remember to hide the 8% column on the spreadie!

[FONT=Tahoma][SIZE=4][COLOR=blue]Reka [/COLOR][/SIZE][/FONT] [FONT=Tahoma][SIZE=4][COLOR=blue][URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/93120-reka-abbey-court.html[/URL][/COLOR][/SIZE][/FONT] [URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html[/URL] [FONT=Tahoma][SIZE=4]Abbey *WON IN COURT* £2775[/SIZE][SIZE=1](awaiting payment) [/SIZE][/FONT] [B][FONT=Tahoma]Warrant of Execution filed 22/06/07[/FONT][/B] [B][FONT=Tahoma]***Warrant Issued 22nd June 2007***[/FONT][/B] [B][FONT=Tahoma][COLOR=red]PAID IN FULL [/COLOR][/FONT][/B] [URL]http://www.youtube.com/watch?v=XcAaoRr8H5c[/URL]

Link to post
Share on other sites

Thanks and will do.

Letters printing now.

Let the games begin :rolleyes:

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

You'll enjoy it mate............... it's fun!!!!! ;)

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.

Link to post
Share on other sites

It's a great feeling of "empowerment"...just wait till you win..:D and you WILL win! n-joi

[FONT=Tahoma][SIZE=4][COLOR=blue]Reka [/COLOR][/SIZE][/FONT] [FONT=Tahoma][SIZE=4][COLOR=blue][URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/93120-reka-abbey-court.html[/URL][/COLOR][/SIZE][/FONT] [URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html[/URL] [FONT=Tahoma][SIZE=4]Abbey *WON IN COURT* £2775[/SIZE][SIZE=1](awaiting payment) [/SIZE][/FONT] [B][FONT=Tahoma]Warrant of Execution filed 22/06/07[/FONT][/B] [B][FONT=Tahoma]***Warrant Issued 22nd June 2007***[/FONT][/B] [B][FONT=Tahoma][COLOR=red]PAID IN FULL [/COLOR][/FONT][/B] [URL]http://www.youtube.com/watch?v=XcAaoRr8H5c[/URL]

Link to post
Share on other sites

  • 2 weeks later...

Hi again all,

 

Right 3 days before the 14 day deadline from letter 1, I recieved the Thank you for your letter, please wait 6-7 weeks for an answer letter.

 

I should go right ahead and send a letter before action right?

 

Do I wait till the inital 14 days have elapsed or go right ahead and do it now?

 

Thanks for all your help with this.

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

You should really wait the full 14 days you gave them in the prelim (it's unlikely, but they may make you an offer right at the last minute), then send the LBA.

 

Btw, just noticed that you (11am) posted at exactly 11am :)

Halifax - Credit Card: 14/11/06 sent S.A.R, 29/12/06 sent Prelim, 11/01/07 1st bog-off received, 15/01/07 LBA sent, 01/02/2007 MCOL started for £1801 (inc court costs and 8% int.), 02/02/2007 MCOL cancelled... , 09/06/2007 Court claim started, 01/06/2007 Claim Acknowledged, 07/06/2007 Claim concluded, £1540 to be reimbursed into CC account.

GE Capital Bank Ltd - Storecards (3): 11/06/07 sent S.A.R, 15/06/07 Acknowledgement of S.A.R received

GE Capital Bank Ltd - Wife's Storecards (2): not started yet...

Nationwide - Current A/C: not started yet...

Lloyds TSB Bank Ltd - Current A/C: not started yet...

Lloyds TSB Bank Ltd - Business A/C: not started yet...

and the rest I haven't remembered so far... : not started yet...

Link to post
Share on other sites

Thanks,

 

In the first line of the LBA letter, it states "since i have not recieved a response". any recommendations about what to change it to since I did receive a response, just not the one I was after?

 

Thanks again

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

  • 3 weeks later...

Hi all again,

 

Right, the 14 days of the LBA letter runs out on wednesday this week. I was all set for going to the next stage, however i dont know what to make of the OFT announcement.

 

Should I just plough on anyway?

 

Thanks again

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

Hi Liam

 

Advie ATM is to carry on. Your claim might be stayed though. If it is, there is upcoming advice on what to do next.

 

BTW, don't use MCOL but use an N1 with the new PoC - NatWest version coming soon.

 

 

Link to post
Share on other sites

Thanks for the advice. I've seen on this site the help filling out the N1 form and it looks ok. What is a PoC? and should I wait for the natwest one you refer to?

 

Thanks

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

Ok,

 

A bit worried now with the OFT stuff.

 

My LBA expires tomorrow, I was thinking of calling NW at borehamwood and asking verbally for my money back and explain that today (tomorrow) is the cut off date before I take legal action.

 

Have any of you done this if so was it a good idea, or should I proceed straight to the N1 claim?

 

Thanks for all you help with this.

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

You can try but I predict a fob off (that would have happened before the OFT case- even more likely now). Current advice is to go ahead with your claim.

  • Haha 1

 

 

Link to post
Share on other sites

hiya

 

Someone on this site told me that all complaints prior to 24th of July will be paid still. dont know if this is acurate

 

have you called them?? if so what number did you pone them on and can i have it

 

thansk

Link to post
Share on other sites

Ok,

 

Called Natwest on friday and asked for a refund. Usual OFT test case response and request declined. However, they did say my complaint was in the system and would be looked at after the OFT case has concluded.

 

I need some advice.

 

Do I wait for the test case descision and then carry on?

 

Or file at court pay the £120 fee?

 

Why concern is I pay the £120 and still have to wait for the outcome of the test case.

 

Hope you can see my dimlemma, please offer any advice you can.

 

Thanks

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

You'll enjoy it mate............... it's fun!!!!! ;)

Hi Hedgey06 Just been catching up! In 1 of ur recent posts u gave email details for Joyce some1 or other. Have been refused point blank in response to SAR ne a/c info! Have drafted let but would I b able to email it 2 her, do u think? It is such a pain trying 2 get to the Post Office during the day as am @work from 8.30am til well past 6 in any event. Dont even ask about lunch hour!!!! Appreciate advice in all your posts. Tx

Link to post
Share on other sites

Do I wait for the test case descision and then carry on? Or file at court pay the £120 fee?

 

Hi Liam,

 

I'd advise you to file N1 at your local county court now to be honest. Regardless of the 'test case' - courts are dealing with bank charge cases as they see fit. Some are placing stays on claims - but some aren't. And if a stay is placed on your claim at some point, we have letters requesting these to be lifted in CAG's templates library.

 

If you're still worried though - have a read of the links attached to my signature, especially the 'don't panic' link!

 

Best of luck ;)

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.

Link to post
Share on other sites

  • 2 months later...

Hi all,

 

Thanks for the advice so far, need some help again.

 

Sent off the LBA in august 2007, and they sent me the "we are waiting till the test case has been resolved letter".

 

Since been away on holiday and back to it now.

 

Is the concencus to still proceed to court or wait?

 

Thanks all.

 

Liam

Access To Records Sent 01/06/07

Recieved statements in full 27/06/07

Sent Prelim 28/06/07

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...