NatWest (merged)

Anna1701

PAWI69 wrote: »

Hi Anna, you are at the exact same stage as frugalpam & myself, due to file with MCOL on Friday. Pam is sticking to her timeframe & I on the other hand am in 2 minds to give natwest a little longer, especially with the Easter weekend, but I really want to go for it, hubby is saying wait for the offer letter & this site is saying stick to the timescale set out by Martin, in which case if it gets to the MCOL stage, I can clam £800+ in interest. It's entirely up to you what you want to do, we have rang them & had verbal offers, seems to be the standard thing due to their backlog. Sorry I'm not much help, good luck & keep us updated

Thanks, Im in 2 minds aswell.

I dont want to start my claim pay the £120 and then the next day receive the letter from Natwest which seems to be whats happening. Because if we start proceedings, pay the fee and then cancel I doubt we get the fee back.

But then again like you if I do file with MCOL then I can claim the £2700 + interest.

Hmmmm decisions decisions. I think im going to hold on to the hope that I will hear something before Friday and before I have to make the decision, ha ha ha!

Anna

paganangel

Hi All,

I have a 6k + 2.2k claim in with NatWest. They offered me 4.5k but were after the deadline I had set so I have already started my claim with MCOL.
The total I am claiming is no in the region of 8.5k including MCOL costs.
They have ackknowledged the claim and at the last moment put in a defence.
I have received a long letter from Cobbetts (their solicitor) with their defense outlined in dense legaleese. They have also requested further information which I had already sent to them.
I understand that because the amount is above 5k it will now be moved to my local court.
Does anyone know:
What the time scales are from this point?
What risk I am running by carrying on? Are they just bluffing? Will I end up with a huge bill for costs?

It all seems a bit scary now. Am I right to carry on?
Thanks
PA

Chrissiesmoney_2

Can anyone tell me how long it is roughly taking for natwest to make an offer, i hand delivered them my letter on the 4th april im claiming for just over 3,000 but in oct 04 i paid nearly 800 in charges in that month, they told me that i have no other choice but to take a loan out with them for 1100.00 over 5years i stupidly agreed to this i at the time i didnt know any better, the problem i now have is that if i hadnt of had those charges then i would never of needed a loan so can i claim back my loan aswell as the bank charges?????

frugalpam

Chrissiesmoney wrote: »

Can anyone tell me how long it is roughly taking for natwest to make an offer, i hand delivered them my letter on the 4th april im claiming for just over 3,000 but in oct 04 i paid nearly 800 in charges in that month, they told me that i have no other choice but to take a loan out with them for 1100.00 over 5years i stupidly agreed to this i at the time i didnt know any better, the problem i now have is that if i hadnt of had those charges then i would never of needed a loan so can i claim back my loan aswell as the bank charges?????

The banks make me so mad - they pile on these charges and get us into debt, then have the cheek to offer us a loan so they can get even more money ie in interest, out of us. :mad:
I can't advise you on this one, but there are some very knowledgeable people on here who'll come along soon and advise you!!

Pam

frugalpam

Anna1701 wrote: »

Hi All,

I had been trying to contact Natwest for days to speak to them about my claim,:mad: I wanted to make sure they had received my letters, and finally got given number to the Customer Relations Team.

For peeps info it is - 08000 154212

I recommend people dialing this number direct than going through customer services cause you will just get past from person to person.

Anyway, spoke to them on Thursday and the nice lady said they had received my letters and that I should received an offer letter in the post but it could take up to 8 weeks.

I am due to fill the claim with the small claims court on friday, but do I give them a bit of extra time as they said it can take 8 weeks to get a response??

Thanks
Anna:o

I go along with everything that Paw169 has said - its just a personal decision whether or not to stick to the timescales as recommended on here.
I'm due to do the MCOL thing a week today - but I'll probably ring that number next Monday to see where they're up to. I know they have a huge backlog of stuff to get through, but in my mind they've inconvenienced us enough already, so I'm not very patient with them !! You need to do what you think is best - no right of wrong answers on this one.

Good luck!
Pam

djrenegade_2

PAWI69 wrote: »

I've seen people say on here that they got offer letters dated the same date as they filed with MCOL, looks like a typical stalling tactic, but they carried on with MCOL & got charges, interest & costs back.

I'm on the Wirral, not that far from you, I was the one on the ferry that went too far down the Mersey & got lost......told you I'm always unlucky!,

i am also on the wirral lol

It's_mine_all_mine

Hi All,

I had been trying to contact Natwest for days to speak to them about my claim, I wanted to make sure they had received my letters, and finally got given number to the Customer Relations Team.

For peeps info it is - 08000 154212

I recommend people dialing this number direct than going through customer services cause you will just get past from person to person.

Anyway, spoke to them on Thursday and the nice lady said they had received my letters and that I should received an offer letter in the post but it could take up to 8 weeks.

I am due to fill the claim with the small claims court on friday, but do I give them a bit of extra time as they said it can take 8 weeks to get a response??

Thanks
Anna

Hi, as per my previous post, I waited a month after sending the 1st letter and then phoned them on the number you give, they said they were dealing with it and I got their offer letter 7 days later, dated 2 days prior to my phone call! I'd say wait another week, it's a pain, but it won't cost you to wait a touch longer.

2cats_2

Hi, Claiming from both my husbands and my account and was both told on the same day that offers would be in the post by the end of the month (March), I started the claim for my account on the Monday and got an offer letter by the end of that week but my husband still hasn't had an offer letter so we started his claim middle of last week.
I really believe that it could be swings and roundabouts where Natwest are concerned. The only thing I can say is don't always believe everything that they tell you!!!

PAWI69

djrenegade wrote: »

i am also on the wirral lol

Ooooh wonder if we are claiming from the same branch???

PAWI69

2cats wrote: »

Hi, Claiming from both my husbands and my account and was both told on the same day that offers would be in the post by the end of the month (March), I started the claim for my account on the Monday and got an offer letter by the end of that week but my husband still hasn't had an offer letter so we started his claim middle of last week.
I really believe that it could be swings and roundabouts where Natwest are concerned. The only thing I can say is don't always believe everything that they tell you!!!

I agree, swings & roundabouts it definitely is, which is another reason why I'm in 2 minds about waiting or MCOL.......bit like "daddy or chips"