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    • I managed  to get through to northants bulk today, spoke to a lady who told me after taking my details,the case no, my address etc, that it's not one of their cases? She then asked me if I knew the total amount ,I said no.   She asked regarding the claimants name, after which she enquired as to what letter & form I had been sent, and what court had sent it.   She then informed me that because it was my local county court ( manchester) who are dealing with it they're the ones I will have to go through as she'll be " limited as to what she'll be able to say".    I have her my reasons why I've called ie obtain a copy of the judgement and the claim form, she said " the claim form when it was initially issued is not something we can send out again,but the court will be able to send you case details & I'll be able to get them through my local court,they're will be a £10 fee for copies of documents but I'll need to go through Manchester county court who have the case file"    I asked if Manchester Will have the claim form? She said no as the claim form can't be reproduced,but I'll be able to get case details which will have the information which would have been in the claim form. They will have the particulars of claim, which will tell you what the claim was about.   I asked if their is any way I can get the claim form, she responded with " the claim form can't be reproduced" but you can get case details which will the information that would have been on the claim form through Manchester county court, and a copy of the judgement will come from there too,as they are dealing with it now.   She told me the case was initially at a different county court (name indistinguishable due to bad connection) and is not a case they've dealt with, and they (northants bulk) only deal with online claims?  And mine was a manual claim, so I'm to contact Manchester,as I need to go to them direct.    So I'm kind of lost now in terms of what steps to take next.     In regards to what date was on the bailiffs letter he left it blank, and only filled in the area underneath which asked for " ref " which he filled in with one letter and one number.     Hi there   Yes I'm thinking of crossing out what I've filled in on the form and ask for a suspension on this matter as I've been the victim of identity fraud. It must have been someone from one of my temporary abodes as I did have mail sent to a couple of the addresses.   Yes I'll definitely be calling northants bulk on Monday as a matter of urgency, and will post off the form the same day too.   I'm not sure what date is on the form but I will definitely check once I'm home and update you on here.   Thank you for clarifying the abbreviation.    Hi ,just to ask, would I still be subject to the 8 day reply thing,as he's not put a date on the letter,and would you have any idea why he did that.    Many thanks
    • Hi, I managed to get through to northants bulk today, spoke to a lady who told me after taking my details,the case no, my address etc, that it's not one of their cases? She then asked me if I knew the total amount ,I said no.   She asked regarding the claimants name, after which she enquired as to what letter & form I had been sent, and what court had sent it.   She then informed me that because it was my local county court ( manchester) who are dealing with it they're the ones I will have to go through as she'll be " limited as to what she'll be able to say".    I have her my reasons why I've called ie obtain a copy of the judgement and the claim form, she said " the claim form when it was initially issued is not something we can send out again,but the court will be able to send you case details & I'll be able to get them through my local court,they're will be a £10 fee for copies of documents but I'll need to go through Manchester county court who have the case file"    I asked if Manchester Will have the claim form? She said no as the claim form can't be reproduced,but I'll be able to get case details which will have the information which would have been in the claim form. They will have the particulars of claim, which will tell you what the claim was about.   I asked if their is any way I can get the claim form, she responded with " the claim form can't be reproduced" but you can get case details which will the information that would have been on the claim form through Manchester county court, and a copy of the judgement will come from there too,as they are dealing with it now.   She told me the case was initially at a different county court (name indistinguishable due to bad connection) and is not a case they've dealt with, and they (northants bulk) only deal with online claims?  And mine was a manual claim, so I'm to contact Manchester,as I need to go to them direct.    So I'm kind of lost now in terms of what steps to take next.     In regards to what date was on the bailiffs letter he left it blank, and only filled in the area underneath which asked for " ref " which he filled in with one letter and one number.     Hi there   Yes I'm thinking of crossing out what I've filled in on the form and ask for a suspension on this matter as I've been the victim of identity fraud. It must have been someone from one of my temporary abodes as I did have mail sent to a couple of the addresses.   Yes I'll definitely be calling northants bulk on Monday as a matter of urgency, and will post off the form the same day too.   I'm not sure what date is on the form but I will definitely check once I'm home and update you on here.   Thank you for clarifying the abbreviation. 
    • OK, thanks, please do so when you have time.   If you want a good laugh, read post 14 at  https://www.consumeractiongroup.co.uk/topic/435008-smartcst-anpr-pcn-paploc-wrong-reg-hardwick-road-stockton-on-tees/?tab=comments#comment-5111577  This is a letter mainly the work of forum regular Lookinforinfo.  It contains all the legal arguments about why you're in the right.  It was sent in May after a threat by the parking company to take a motorist to court but strangely the parking company have been conspicuous by their silence since!  
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Confusion about interest as aspect of claim


felix1537
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Hi, about to draft LBA to NatWest, but unsure about interest portion of claim.

 

1.I've read through the FAQ's and forums on interest but would like to be clear on the issue before I fire my broadside at NatWest.

 

2.I've been through DPA process and have all relevant statements.

 

3.I had a Current Plus Account.

 

4.I had an agreed overdraft limit of £1000 -£1600 as credit zone (over relevant period of unfair charges. Interest rate = 16.99%.

 

5. After I lost my job and hit £1600 limit on overdraft, the sole extent of "withdrawal" made from my account were for referral fees charged for SO’s, DD’s, default notices, something listed simply as "Charges" (between £14 and £25 per month so seems different to usual charges) and interest on the entire amount. Of course the more charges and interest the higher the debt. This quickly became £5000 plus change. I reached a deal with them to settle all debts 3 years ago.

 

6.My questions are -

 

A. Am I right in approaching this in terms of calculating the difference in interest between the 16.99% due on the £1600 max of my overdraft and the actual amount of interest (29.99%) deducted for the accumulation of the unfair charges.

 

B.I was going to simply calculate 16.99% X interest due on £1600 and deduct the rest giving me my value to add on to what I am claiming back.

 

C. Is this too simplistic? Can anyone advise?

 

D. Does anyone have an inkling about what the "Charges" were for at 5 above, before I potentially cock up my claim by claiming for something that I shouldn't. Is it possible that it would be for an unarranged borrowing fee. If so, then if this fee an adjunct to unfairly applied charges then I suppose that I should retrace the statements and see where the "Charge" is attributable to unfair bank charges.

 

E. My final thought was that if Nat West allowed a DD or SO to take me over the final overdraft limit (when my income ceased) then I suppose that they could argue that this had made all borrowing over £1600 unauthorised so the “Charge” should apply for the whole period until I reached settlement. Anyone experienced anything similar?

 

Any answers advice will be most gratefully received. I am in a position to trade knowledge in matters concerned with Employment Law, but I cannot, due to restrictions with my contract of employment provide “advice,” (as “advice” is defined by the Law Society).

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Felix

 

Your appraoch is too simplistic. You need to put your charges in one of the spreadsheets in the templates library (or in Vampiress's chambers - linked via the same route).

 

NatWest's charges have varied (ie increased) over the years. Individual charges of £14, £25 and now £38 are common. You can reclaim them all, especiall unarranged borrowing fees - the only thing you cannot claim are advantage gold fees and of course legitimate bank charges on a business account (eg 38p for a direct debit payment via BACS) - these are listed on your statements (if it is a business account - which I have assumed in the basis you had to pay VAT!)

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.

 

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