NatWest (merged)

PhilK

frugalpam wrote: »

I got a notice from the Court today - 'Notice that Acknowledgement of Service has been filed'. I got a copy of it, and Cobbetts Solicitors have indicated they intend to defend all of my claim. Bear in mind that a week ago - a week after the claim was served on them - they offered me a goodwill payment that equalled the amount I was reclaiming in fees.

I know they do this all the time, that they don't usually follow it through and are highly unlikely to appear in court, but boy, I feel sick to the stomach this morning
Great start (not) to the holiday weekend. I know I'll rally round and I'm not giving in now, though.

Pam (in need herself of some moral support)

Now this is looking like we're on the same path (hopefully to getting this resolved very quickly)

Snap....also got my "Notice of Acknowledgement" from MCOL today stating that they are going to defend all the claim.

Has anyone else got to this stage with Natwest? What happens after this (in reality)?

Phil

frugalpam

Thanks for the moral support you two! No way am I giving up, and I've got myself back into yesterday's mindset, and just treating it as a game from now on. I suppose Natwest have got to keep Cobblers in business :rotfl:
In retrospect, it is amusing to see Nastywest cited as the Defendants, after all the grief they have given me over the past few years !!

And congrats Paw on getting your money back - I was just reading over in the 'Successes' thread. Brilliant news !! :j :beer: :j

I WILL get my money back and looking forward to that celebratory lunch :T

Pam
(decidedly perkier)

frugalpam

PhilK wrote: »

Now this is looking like we're on the same path (hopefully to getting this resolved very quickly)

Snap....also got my "Notice of Acknowledgement" from MCOL today stating that they are going to defend all the claim.

Has anyone else got to this stage with Natwest? What happens after this (in reality)?

Phil

Hiya Phil - just been reading over in the 'Successes' thread (and delighted to see that they've paid up Paw!) I'm reading that they do pay up sometimes before filing their defence, saying its not worth the expense of defending blah blah. Makes you wonder why they just don't cough up when the claim is served on them. Just smacks of a greedy, petulant institution to me

Pam

chris1275gt

Stuck_in_a_70s_timewarp wrote: »

Please don't give up - there's plenty of help on this site, and Consumer Action Group website. I've copied the letter I sent Robbers - oops, I mean Cobbetts - below, I copied it from someone else on this website! Don't be intimidated - even if you go to court, they won't send anyone, you just need to tell the judge what the charges were & s/he will agree to the refund, that's what has happened to the others who have been through the process.

Keep your chin up, don't be afraid to ask for help, even if it's just moral support. I feel much stronger when I read that I'm not the only one!

Cobbetts LLP
Ship Canal House
King Street
Manchester
M2 4WB

cc Northampton County Court

23/04/07


Dear Sir or Madam:
Claim No:
Your ref:

I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc.
I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative
Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account:

Account Name:
Account number:
Sort Code:

Please also find attached a breakdown of all charges I am claiming.


Yours Faithfully

I followed the timescales with letters 1 & 2 on 28/02 and 14/03.
Submitted to MCOL 28/03/ and now had one letter saying they are going to defend the full claim 18/04 and undated offer of refund of charges from Nat West.(Rec`d 24/04) No interest or court fee.
Next a defence letter from Cobbetts 01/05 requesting information and clarification. I did reply to Cobbetts with info but thanks to you i will now send a follow-up letter including the above. Thanks again.
Chris.

looniest_pluto

mollymoo45 wrote: »

Ooooooh i dont know what to say to them!!! i really need this money as it will make me debt free- and leave me with a little to maybe start my own ironing/cleaning business. I just dont want to p*** them off or to make them close my bank account as my credit is shot to pieces but with my bank account i have a maestro cheque guareentee card ( which i never use to write cheques, without having the available funds) i have tried to open a parachute acount with Alliance and Leicester but they refused me.

oh whats a girl to do......

Molly x

Ive found my parachute account to replace my Natwest with Yorkshire Bank. Their basic account is the only one that gives a maestro rather than visa electron or solo card. No cheque book, but the card has all the other uses as my natwest switch/maestro.

Hope this helps...:D

Blushbaby

Sorry for the dumb question. I've finally got the majority of my statements, bar approx 15 pages (can't be bothered to chase those, Natwest have f**ked me about enough trying to get the statements I have already) and have totalled up my charges.

When you send the letter asking for the charges back, how have you listed them? By the date and amount charged?

Also, can someone be so kind to paste the addy to send my letter to Natwest to? I can't find it on the forum and am going round and round in circles trying to find the post with all the bank addresses on.

Many thanks!

julie_c_4

Blushbaby,
you will find everything you need on the main site. Use Martin's template letters and calculator it will work it all out for you. I sent all my letters to my local branch.
Good luck.

Blushbaby

Thanks Julie. I'll check again.

When you listed your charges in your initial letter did you list them like this?
i.e

July 1st 2001 £30.00
July 23rd 2001 £30.00

myalouise1

Frugalpam i have had the exact same letter this morning too and it does say that they intend to defend claim but if they don't put a defence in by the 21st of may we can still win by judgement( i think ) so they must be dealing with us exactly the same so hopefully they wont put a defence in.

Mya

julie_c_4

Blushbaby wrote: »

Thanks Julie. I'll check again.

When you listed your charges in your initial letter did you list them like this?
i.e

July 1st 2001 £30.00
July 23rd 2001 £30.00

I just used Martin's calculator, you just put the charge and the date and it adds it up for you with interest, I just printed that and sent it with my letter. I didn't put what the charges were for but there is a column to do that if you want.
hope this helps