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    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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itsmee v NatWest ** WON **


itsmee
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The choices are file with the court using the N1 form, or just wait it out to see what happens in January. If you do file with the court, they will ask for a stay anyway, which you maybe able to overturn, if their request was granted. The other one is file with the Ombudsman, which will also result in the case being put on hold.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Sorry to hear you are having no joy with the Nat West, I have just received an offer today for £6,830. The problem is I was claiming just under £13,000. So I am not sure where they got this figure from.

so how did you get them to make you an offer, as they seem to just send me the usual standard letter:mad:

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  • 1 month later...

well finally some good news, natwest have today sent me a letter offering the full amount refunded...yipeeeeee....and a HUGE thanks to all here

 

just to add how i progressed further, I kept receiving the same standard letter back from natwest which kept repeating and repeating itself.

 

I returned a letter stating that i did not think that they were processing my claim very personally and that I was receiving standard letters. I asked for a personal response to my request. In this letter i stated that i would continue my claim through the courts and that because of the financial hardship I would ask for my claim to be heard. I asked them to reply to this.

 

I got a letter asking me for finacial details and my current financial situation so we could come to some arrangement for ME to repay any monies owed to natwest...DUH ..very confused..my reply was

 

12th October 07

Dear Sir Madam

Thankyou for your letter dated 08/10/07

Iam now very confused by your response to my letter. It appears that you are suggesting that you need my financial details so you can assess debts owed to you, you seem to have suggested that Iam unable to meet my financial commitments, can I please ask at what stage did I suggest I was unable to meet my financial commitments?. You also seem to be suggesting that I can arrange mutually agreed sums to pay off outstanding debts, return cheque books, opening new accounts to mention but a few.

Could you please explain to me why you have sent this letter suggesting these things

Could you also reply to my original letter (as below) asking for advise on how to proceed with my claim.

It appears that you are not prepared to deal with my claim on a personal basis and you are also not prepared to answer my questions, could you please explain why this is.

 

 

 

and then woopee today they offered the full amount ...To all those on the forum maybe it might be an idea to suggest that you do not want standard letters but would like your letters to be replied to on a more personal basis.

 

anyway again THANKYOU ALL ..and good luck

 

note to self...barclaycard charges to be reclaimed, barclays to be recalaimed

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Guest littlesally

Well done!!!!!

Really really pleased that you've won!!

No doubt lots of folk here will take heart from your thread as you've proved perseverance is worth it!!

And just in time for christmas ;)

:D :D :D :D :D

Sally x

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Well done. . . Congratulations . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Sally-

 

I am a journalist writing a story on the upcomign court case challenging the legality of overdraft fees. I'd like to speak to any consumers who have successfully pursued their banks over these charges.

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  • 3 weeks later...

I have tried to write to the bank and received a standard letter from them and at the bank they did not care less. I have started court procedings against Natwest for only £270 in charges over a week period. Today I received a letter from Natwests solicitors (Thats probebly cost them £200) asking for a stay on the grounds of the up coming court case. Whats my next move ? Can anyone help me please.:x

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Hi paulneades, welcome on board :)

 

You've received a standard letter from Cobbetts by the sound of things. Unfortunately, the stay will more than likely be granted due to the impending OFT test case which is due to commence mid-January.

 

At the moment, there really isn't anything you can do except await the outcome of the test case. All claimants are in the same boat at the moment - however, we should hopefully have some good news soon.

 

If you start your own thread in the main nat west forum we'll be able to advise you fully and support you throughout your claim. :)

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Well done! subscribing

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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  • 1 month later...

Hello

This is my first posting since I only signed up today.

I had a Nat West business bank account from 2001 to 2006.

The account is no closed but the total approximate charges for that time were £850.

Can I claim for the charges even though it was a business account that has been closed for two years?

Any advice would be apprecited.

Thank you

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Hi, in response to your query.....yes you can claim...my business account had been closed for 18 months and i still claimed...I dont know how things will go now the court case has started but its always worth a try and dont give up....I replied to every standard letter explaining that i did not think they were taking my claim personally and would they please give me a personal and detailed response...it seemed to p..s them off and eventually i got my money back and all of it....I did have the expense of sending every letter special delivery to the person who signed the letter.

 

hope this helps and good luck

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