NatWest (merged)

Smickan

I'm writing my first letter to ask for the charges to be refunded - but this is without interest as it will be under £100 when I've looked through all my old statements.

Is this the address I send it to?

Mr Alex Lyons
Data Protection Manager
Retail Regulatory Risk
2nd Floor
Business House B
Gogarburn
P.O.Box 1000
Edinburgh
EH12 1HQ


or is it the other one?

Thank you

jillie1974

i wrote to the address you have posted and got statements within 10 days
best of luck!

Smickan

Thank you very much

shell12

I have today received a defence from Natwest's solicitor defending my claim and requesting further details by 12/01/07.

Has anyone got this far ?
Can you please assist me with what happens next ?
and the following which I have extracted from the defences letter received.

In the relation to each charge, please clarify the following
a) is it the case of the claimant the same should not have been charged ?
b) if yes : please explain why the claimant contends that the same should not have been charged ?
c) if no : is it the case of the claimant that the same should not have been charged in this amount ?
d) if yes : please explain why the claimant contends that the same should not have been charged in this amount and identify the sum the claimant contends should have been charged.
e) if no : please state the claimants case.


In my claim I stated that "the charges are an unlawful extravagant penalty"

The defendant has requested that I provide the following particulars in support of my claim. ?

Thank you Shell

Rex_Mundi

Don't worry about this. I got further than this with Natwest, and they still paid out in full before we got into the court room.

You will next get an Allocation Questionnaire from the court. It's important on this to request the judge to order Standard Disclosure. This will put paid to anything the bank tries to wiggle out of this. I'm still certain the bank will pay you in full before you get to any hearing.

chuckles1066

shell12 wrote:

I have today received a defence from Natwest's solicitor defending my claim and requesting further details by 12/01/07.

Has anyone got this far ?
Can you please assist me with what happens next ?
and the following which I have extracted from the defences letter received.

In the relation to each charge, please clarify the following
a) is it the case of the claimant the same should not have been charged ?
b) if yes : please explain why the claimant contends that the same should not have been charged ?
c) if no : is it the case of the claimant that the same should not have been charged in this amount ?
d) if yes : please explain why the claimant contends that the same should not have been charged in this amount and identify the sum the claimant contends should have been charged.
e) if no : please state the claimants case.


In my claim I stated that "the charges are an unlawful extravagant penalty"

The defendant has requested that I provide the following particulars in support of my claim. ?

Thank you Shell

They're simply asking you (in legalese-speak) to justify your claim?

You must know what you're claiming and why?

This whole business of laypersons simply firing off generic letters from a website without any idea of what they're letting themselves in for needs some serious rethinking.

What sayest thou Martin?

Rex_Mundi

chuckles1066 wrote:

You must know what you're claiming and why?

This whole business of laypersons simply firing off generic letters from a website without any idea of what they're letting themselves in for needs some serious rethinking.

Although I can understand fully where you are coming from. This process is working in the vast majority of cases (I've only seen a couple of failures out of 1000s of claims that I've read about). This surely means that even though some (a lot of) people are just cut and pasting without properly understanding the laws behind the process, it is still working extremely well? A lot of this is down to the fact that the banks have such a weak case, and no proper defence in court.

The only alternative to this would be to recommend a lawyer deals with the court cases. For a lot of people the amount claimed wouldn't justify this expense, and with the success rate running so high as it stands and on current tactics. There is no need to have anyone else running a claim (and charging for it).

If the process is working so well (as it is currently), why is there any need to rethink the strategy?

shell12

Rex_Mundi wrote:

Don't worry about this. I got further than this with Natwest, and they still paid out in full before we got into the court room.

You will next get an Allocation Questionnaire from the court. It's important on this to request the judge to order Standard Disclosure. This will put paid to anything the bank tries to wiggle out of this. I'm still certain the bank will pay you in full before you get to any hearing.

Thank you for the advise on the Allocation Questionnaire.

In addittion to the questionnaire do I need to respond to the defence which requests various details, i.e provide the reason for the charge incurred - or is just using the AQ suifficent ?

If I have to reply to the defence letter also I'm not sure how to answer the below question, I have to advise one of the below A - E

In the relation to each charge, please clarify the following
a) is it the case of the claimant the same should not have been charged ?
b) if yes : please explain why the claimant contends that the same should not have been charged ?
c) if no : is it the case of the claimant that the same should not have been charged in this amount ?
d) if yes : please explain why the claimant contends that the same should not have been charged in this amount and identify the sum the claimant contends should have been charged.
e) if no : please state the claimants case.

If you could please advise me ?

Thank you - Shell

Rex_Mundi

Dont reply to anything further until you hear from the court. They will send the Allocation Questionnaire next. You need to fill this in when it comes (it may cost you £100 to £250 depending on the size of your claim).

I can advise you further when you need it.

shell12

Rex_Mundi wrote:

Dont reply to anything further until you hear from the court. They will send the Allocation Questionnaire next. You need to fill this in when it comes (it may cost you £100 to £250 depending on the size of your claim).

I can advise you further when you need it.

Thank you very much - I'll wait for the AQ to arrive and will contact you then.

I'm filed a claim for £2700.