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Vanderpelt vs Natwest CC


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A few questions for you guys here.

 

I have got the responce from Natwest about the credt card and i am owed £210 or so from them about charges. They also (i think) defaulted me in 2003.

 

1) Is it wise to ask for the money back or apply it against the account, as i have a balance on there and couldnt care less if they said that they would only credit the account as that lowers the debt?

2) in the letter i could send i can ask/demand that they remove the default, it states that it was due to your charging that you applied this. Can i still say this if i am not certain?

 

thanks for your help

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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  • 1 year later...

Well i have sent off my letter to them around 2 years later (where does the time go). so anyone got any stories of getting money back off Natwest CC at all?

 

regards van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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I have had a response and have a few questions.

 

1. I have worked out using the information that they sent me (which i have lost myself truth be told) that i have 7 charges costing £18 each and that with the 8% int works out to be £184 give or take a few pennies. I also reckon that some old charges have dropped off due to the 6 year limitation act therefore should be ignored.

 

2. they have offered £43 (differnce in charges plus some interest).

 

So my though is, demand the full £180 and threaten to take to court and then do so if they dont pay up?

 

anyone else have some luck with nat west?

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Any ideas?

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Bit quiet here :(

 

But my position is this now, went back and asked for the full £190 (180 charges + DPA fee) and they now offer the £135 (which is charges +flat 8%), I know that the date related 8% is court based, so do i demand one last time then go to court?

 

any help as i would love the full £190 as it can go on another debt (soon gone!!!)

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Anyone around at all?

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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  • 1 month later...

Well after considering my position and the fact that the card is paid of, we took the money that they offered as it could go on another debt (woot!)

 

So all resolved now.

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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