NatWest (merged)

munchkin0110

Hi
Can anyone please give me advice? I have a closed Nat West account which has an overdraft balance of approx. £6.5k all of which is their charges, fees and interest on those penalty charges. I made an agreement last summer to pay £80 per month to pay it off but as they charge me about that in interest each month I will never pay it off. I wrote asking for just over £7.5k back (but forgot to add on another £1k they have charged me since last summer). I am concerned as obviously the amount means it won't be a small claims and I don't know how to proceed if they refuse to pay up (which I am sure they will). I don't want to make the claim under the £5k as this means I will still have a large overdraft to pay off.
Any ideas?

Jenko2006

Hi

lisasimmy100

Ive just had their qa with the same on hope I dont get the same reply from the court . It's stupid really with all the coverage on TV that the courts should wise up and STRIKE them out :mad:

frugalpam

Just venting. Ordered my 6 yrs statements by phone, 3 weeks ago. 4 yrs arrived within a week, but the missing 2 years haven't shown up depite reminder calls. Phoned them again tonight -

'Oh sorry, there's been a banking error, I'll order them now, at no extra charge'.
'Are you telling me only 4 years were ordered?'
' I'm very sorry, that's right. It does say on your notes that you'd requested 6 yrs statements, but only 4 were ordered. As I say, it was a banking error'

:mad: :mad: :mad:

I'm so sick of Nastywest. Am dying to make my claim, and it'll be at least another 10 days (IF they show up) before I can claim.
I wish now I'd written in to them originally to request those statements.

Pam
feeling very grumpy tonight

PS My apologies for interrupting this thread - should've started a new one.

snapper64

please help i have had a reply from nat wests soliciters saying they are going to defend my claim and are requiring more information:mad: all the information they are asking for is what i have alresdy sent to nat west in the first place but the help i need is the way they have asked the questions??? 5 pages of questions like in order for the claimant to sustain a claim that the charges debited by the defendant are in the nature of a penalty the claimant will need to plead and prove (a) the clause(s) pursuant to whice the charges were applied: (b) that the charges were applied due to a breach of contract by the claimant and such like and then ending with the defendant belives that the facts sated in this defence are true. i am duly authorised by the defendant to sign this statment.?? and the signature is !!! a stamp of there signature? is that legel? how do i fill in questions and return them by there deadlind if i diont know what thay are talking about?

Edinburghlass_2

Seems to be standard from NatWest solicitors at the moment. Write back and say you have already answered all their questions but do include another list of your charges.

Have a read of this thread, although they are only asking for the list of charges.

http://forums.moneysavingexpert.com/showthread.html?t=391640

lisasimmy100

That is what I done, then I got ordered by the court to reply or they will strike my cliam out [see 1st thread on this page] but it does seem I am one of the unlucky ones, coz at the moment new claims are getting paid straight away.

pigginsexy

snapper64 wrote:

please help i have had a reply from nat wests soliciters saying they are going to defend my claim and are requiring more information:mad: all the information they are asking for is what i have alresdy sent to nat west in the first place but the help i need is the way they have asked the questions??? 5 pages of questions like in order for the claimant to sustain a claim that the charges debited by the defendant are in the nature of a penalty the claimant will need to plead and prove (a) the clause(s) pursuant to whice the charges were applied: (b) that the charges were applied due to a breach of contract by the claimant and such like and then ending with the defendant belives that the facts sated in this defence are true. i am duly authorised by the defendant to sign this statment.?? and the signature is !!! a stamp of there signature? is that legel? how do i fill in questions and return them by there deadlind if i diont know what thay are talking about?

I had the same thing, received today. Which has really P****d me off. I issued Judgement yesterday (which was 28 days after their acknowledgement) and the court have allowed them to put in their defence a day late, which means I have to wait for a court case now. I think that is so wrong, as i bet if it was the other way round they wouldnt allow me to put mine in late.

Anyway, just write to court and cc to Cobbets and Natwest if you like and enclose copy letters and spreadsheets that you originally did to prove that you had already supplied the relevant information.

This is just another scare tactic. If you read this thread, somewhere on here someone has said (i think KenW and Rex_mundi) that the CPR 18 request does not apply in the small claims court.

Keep going and dont give up.

It's_mine_all_mine

Pam

I wrote to NatWest asking for statements with the proper letter etc and I still only received 5 years worth, I then phoned and they promised to send the rest but 2 days later I received only 2 months worth from the beginning of the missing period!!:mad:

Their tactics did work though and I gave up. I sent off my letter without the missing months and hopefully if I remember rightly my account was in pretty good shape at that time.:A

They're so flipping polite and patronising when you phone too.:eek:

Phone them again, and keep phoning till they're hacked off with you.

IMAM

snapper64

dont worry i aint giving up that easy even tho my bum is falling out at the moment lol,
i am trying to claim over £15,000 as i run a very small buisness and they have crippeld me on more than 7 occasions forceing me to take out loans upon loans to pay off there other loans and getting deeper in to debit just to keep my buisness going, but after all this WHEN i win i will be able to take a holiday and relax for a change instead of the usual worry of "do i still have a buisness to come back to" or have i been made bancrupt.:T

frugalpam

It's_mine_all_mine wrote:

Pam

I wrote to NatWest asking for statements with the proper letter etc and I still only received 5 years worth, I then phoned and they promised to send the rest but 2 days later I received only 2 months worth from the beginning of the missing period!!:mad:

Their tactics did work though and I gave up. I sent off my letter without the missing months and hopefully if I remember rightly my account was in pretty good shape at that time.:A

They're so flipping polite and patronising when you phone too.:eek:

Phone them again, and keep phoning till they're hacked off with you.

IMAM

The one I spoke to tonight really was polite and patronising, so I was sweet and sugary back to him. This was the 4th time I'd rung about the missing 2 years - funny how it's only tonight that they discover those 2yrs had never actually been ordered, and how I know for a fact that I would have had a lot of charges during 01-02.
I went through the other 4 years, and in one month alone I racked up £240 in charges. OK - it could be argued that it was partly my fault, but as anyone in debt knows, we get to the point where we bury our heads in the sand and can't confront the problems we're having. Even so, adding on £240 charges when someone is clearly having problems is a lousy thing to do. I did ring finally to ask for help, and was told it was all my fault for not living within my means!!! If I'd not been clobbered with all those charges, I would no doubt have kept within my overdraft limit. At the end of 2002 I had to take out a consolidation loan just to pay off the bank charges and stop the nasty letters from Nastywest. The charges during 2003-2006 add up to around £1000, and I bet there's another £1000 for those 2 'missing' years.
Well this is turning into 'War and Peace' so I'd better finish here

I shall keep pestering them.....

Pam