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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Mickgibbons1
      Shock !!EVRI has lost my parcel PS5 - court claim issued

      By Mickgibbons1 · Posted

      Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • shakeyshark
      PRA Group - Letter Of Claim - Halifax Loan £20k+

      By shakeyshark · Posted

      Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • tobyjugg2
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By tobyjugg2 · Posted

    • lolerz
      Advice needed regarding Eviction

      By lolerz · Posted

      Please see my comments on your post in red
    • WiltshireGuy81
      Advice needed regarding Eviction

      By WiltshireGuy81 · Posted

      Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Andy449 vs Natwest

Andy449

By Andy449
in NatWest Bank

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Andy449

Andy449

Posted
Posted

Hi all,

 

Just thought I'd add my case to the pot. I'm expecting to be claiming back £2000+ from NatWest though I am still in the Data Protection Act request phase at the moment so this is just a guess.

 

Luckily my financial situation has improved since I accrued most of the charges on this account so I can afford to drag this out with Natwest for as long as it takes.

 

Thanks for a fantastic site - I promise that you will be seeing a decent share of my settlement if/when I win.

 

Case so far:

 

30/05/2006 - Template DPA letter sent along with £10 cheque made payable to "Natwest bank".

 

12/06/2006 - Response received from Natwest asking for confirmation of the request from the second account holder (my wife).

 

22/06/2006 - DPA template edited slightly and sent back with both our signatures and another £10 cheque.

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  • 3 months later...
minimilner

minimilner

Posted
Posted

hi Andy just out of intrest how are you getting on?

RBS Data Protection Act LETTER SENT 29th Sept

 

Halifax Data Protection Act LETTER SENT 29th Sept settled in full £531.00 12/10/06:D

Barclays DPA LETTER SENT 29th Sept Received statements .. £325 Owed to me.

COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.:lol:

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Andy449

Andy449

Posted
  • Author
Posted

Hi There,

 

I got my statements from Natwest in response to my DPA request on the 2nd August and when I totalled up my charges for the last 6 years it came to £4745!!!!

 

I went through the request for repayment and letter before action stages before finally raising a court claim against them on the 29th September. This has been acknowledged by Cobbets solicitors on behalf of Natwest so now just waiting until the end of the month to see what happens :)

 

Hope that's of some interest.

 

Andy

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tigerlilly24

tigerlilly24

Posted
Posted

Hi Andy,

Be sure to keep us posted ! I've just started my claim against NW for a very similar amount - I will be watching your post with great interest !

Very best of luck to you (not that I think you'll need it!).

J

NatWest

 

Statements sent for - 18/09/06

Statements received (in full!) - 03/10/06

Initial letter of claim sent - 05/10/06

Offer received for £1,400 approx - 21/10/06

LBA sent with acceptance of offer as part, will pursue for the rest - 21/10/06

Reply to LBA received (forwarding to Cust. Rel to deal with) - 25/10/06

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blue snail

blue snail

Posted
Posted

Hi Andy, you posted a reply to me yesterday, i am blue snail. I will be making a claim for between 4,500 and 5,000 so will be watching carefully. Have you any advise on how to calculate the interest - i understand you can add on 8% apr is this right ? did u do that ? cheers

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Andy449

Andy449

Posted
  • Author
Posted
Hi Andy, you posted a reply to me yesterday, i am blue snail. I will be making a claim for between 4,500 and 5,000 so will be watching carefully. Have you any advise on how to calculate the interest - i understand you can add on 8% apr is this right ? did u do that ? cheers

If you have a look in the thread titled "6. Interest calculation spreadsheets" in the templates section, there are a load of spreadsheets which you can use to calculate interest dependant on your circumstances.

 

Please be aware though that you are not entitled to claim interest until you file a court claim. I think you're still about a month away from that yet as you still need to send the request-for-repayment and letter-before-action, each of which should give your bank 2 weeks to respond. Each of these letters should only be asking for the actual amount of charges taken from your account.

 

Regards

Andy

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  • 4 weeks later...
Andy449

Andy449

Posted
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Posted

I received the standard Cobbetts CPR Part 18 request last week and have replied today with the standard "I expect this claim to be allocated to the small claims track etc...".

 

I also included an extended POC referencing the "Consumer Contracts Regulations (1999)", the "Unfair Contract Terms Act (1977)" and the "Supply of Goods and Services Act (1982)" as, like many others, I found that there wasn't enough space on MCOL to do this.

 

Now to sit back and see what happens :)

 

Andy

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  • 2 weeks later...
Andy449

Andy449

Posted
  • Author
Posted

Quick question:

 

I have just received a copy of Cobbett's AQ and they've done something a bit strange.

 

The've stated in one of the sections that they cannot submit any details as I haven't complied with their CPR Part18 request but they have also stated elsewhere that they think the small claims track is most suitable for the hearing.

 

Am I correct in interpreting this as meaning they have no intention of defending my claim do you think?

 

Andy

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  • 2 weeks later...
fire fox

fire fox

Posted
Posted

Hi Andy

Am reading through your posts to see how my claim matches up to yours. Can I ask a question that is confusing me a bit.....which spreadsheet do I use to calculate my interest, there seem so many and maths was never a good subject for me. I have done really well so far and need to fill my court claim form asap but this confusion is holding me up now

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  • 1 month later...
Andy449

Andy449

Posted
  • Author
Posted

Hi All,

 

I'm just after a bit of reassurance here as my court hearing is set for the 27th Feb and I haven't heard anything else from Cobbetts since their offer on 1st December. has anybody else got this close to their court date yet?

 

Thanks

Andy

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  • 2 weeks later...
Andy449

Andy449

Posted
  • Author
Posted

Well, despite being the only person to post on my thread since November, I've won :)

 

Phoned Cobbetts yesterday to ask when I could expect to receive their amended defense details as my case is scheduled for the 23rd. After a few false starts (their receptionist seemed to take great delight in transferring me to extensions that were already busy) I got through to Linzi Burgoyne's line and was told that Natwest "is currently considering a settlement offer" and that I should expect to hear from them within the next week.

 

I'm still expecting to have to reject their first offer but they obviously have no interest in defending the case in court so "yay" for me :)

 

 

Andy

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Andy449

Andy449

Posted
  • Author
Posted

Hi Tony,

 

Sadly Cobbetts still seem to be dragging things out for as long as they possibly can but I've had a quick read of your thread and you have every reason to remain confident for April (or before) :)

 

I've got a couple of quick questions for the collective if anyone can offer advice?

 

1. I filed my claim at the end of September, at which point the 8%apr interest came to £1114.77. When I receive their settlement offer, am I entitled to update this amount to reflect the 4 months that have elapsed? This would be worth another £145 to me.

 

2. Natwest now have 9 days to make me an offer with which I am happy before the court date. At what point do I tell the court to postpone or cancel the hearing? Assuming that they send me a cheque next week, it probably won't have cleared before the court date so technically I won't have been paid - can I insist on immediate transfer of funds into my account?

 

Thanks

Andy

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Deller

Deller

Posted
Posted

Hi Andy

 

1. I filed my claim at the end of September, at which point the 8%apr interest came to £1114.77. When I receive their settlement offer, am I entitled to update this amount to reflect the 4 months that have elapsed? This would be worth another £145 to me.

Yes you are entitled to update the amount, you will be able to reject their letter, unless of course its for the full amount, and state what the total now is to date.

 

2. NatWest now have 9 days to make me an offer with which I am happy before the court date. At what point do I tell the court to postpone or cancel the hearing? Assuming that they send me a cheque next week, it probably won't have cleared before the court date so technically I won't have been paid - can I insist on immediate transfer of funds into my account?

Best to wait for the offer or cheque I think, will depend on how much it is before deciding on your next proceedings.

Thanks

Andy

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Andy449

Andy449

Posted
  • Author
Posted

Cheque received on Saturday for £6270 so can a mod please mark this thread as won?

 

A donation to the site will be on it's way once the money has cleared (payed in on Saturday morning but still not showing on Natwest Online Banking site so I'm not sure whether the branch have to check with RBS before processing it?)

 

I've phoned the court and asked them to postpone the hearing on Friday as I'm not happy to send the notice of discontinuation until the funds have cleared...

 

Thanks for a fantastic site :)

 

Andy

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