NatWest (merged)

frugalpam

allacrossthesand wrote: »

The main reason for me and I'm sure many others is a desire to avoid going to court and getting a letter in dense legalise from Corbetts, quite simple given the choice of waiting a few extra days and avoinding the hassle, (short term) cost and fear that I might be the one they show up in court against and the fact that if the offer letter arrives by the date stated to me in a telephone conversation, I'll have the money in my account before a court case was settled. Also I'm willing to give NatWest a little goodwill, apart from this issue I've been pleased with them and always found the staff in branch and on the phone to be excellent. Also due to allowing extra time for letter delievery, bank holidays, 14 working days rather than 14 days, not sending the second letter till a couple of days after you should all pushes you past 28 days. Also the attitude of I'll fight them all the way for ever penny, somewhat dissappeared when someone tells you that yes they will be making you a offer and its for the full amount.

If you've been lucky enough to get even an acknowledgement from Natwest that they've received your letters, and they come up with an offer - great. It doesn't seem to happen to many people. If they'd had the common courtesy to reply to my letters and make me an offer in the timescale, great, but it didn't happen.
FO v MCOL.... it's a personal decision. As Natwest unlawfully deprived me of a lot of MY money (4 figure sum) then I'm prepared personally to go down the court route and claim interest. Not everyone wants to go down the Court route - cost, stress etc - in which case the FO route is better for them.

Pam

shannor01

Thanks for your reply, I have send my list of charges to the Customer Service Unit at Borehamwood not the branch. Normally when I send something recorded delivery with a couple of day it's on Royal Mail Track and Trace, this time it's not have rung Royal Mail and they say it's not been delivered yet, if it's not on there. Not sure what to do about this whether to send it all again or leave it and wait and see.
Had to wait 2 months for my statements so not happy about a wait and see situation again. Anybody any ideas, thanks

Sheila

frugalpam

shannor01 wrote: »

Thanks for your reply, I have send my list of charges to the Customer Service Unit at Borehamwood not the branch. Normally when I send something recorded delivery with a couple of day it's on Royal Mail Track and Trace, this time it's not have rung Royal Mail and they say it's not been delivered yet, if it's not on there. Not sure what to do about this whether to send it all again or leave it and wait and see.
Had to wait 2 months for my statements so not happy about a wait and see situation again. Anybody any ideas, thanks

Sheila

It can be slow to show up on track and trace sometimes - that happened to me with a letter I'd sent to Capital One. As I recall, it was 5 days before it showed up on track and trace. Probably just Royal Mail being slow to update things. I'm sure it'll show up on there by the beginning of next week.

Pam

G-SWSM

Hi Gang.

Well, I got my 6 years of statements, and two weeks before the 40 days ran out too.

I went through them and found some charges, which all totalled £246.49.

I sent the first letter demanding my money back, and they have replied telling me that they had the letter, and that they would "investigate my charges and get back to me soon"

Well, soon or not my 14 day letter is going out tomorrow morning, and this time it's not going to my local branch, but directly to the customer services dept down south.

I will let you all know what happens next.

all the best.

Bolton_babe

great news. I, however, am not having such luck with NatWest. I have sent the first, second and now third letter to them since 30th March 2007 and have not even had a response/reply. I am claiming just under £5K and not sure where to go from here. Do I still have a case even tho they have not responded or acknowledged my Claim. Any advise would be greatly appreciated. Sorry, dont know how to start a new thread.

brightonman_2

I just wanted to say something here following what natweststaffmember said earlier (and if your username is a literal description of what yuou do for a living, then we're delighted to have a 'mole' on board!)

Sending something by Signed For (recorded delivery) means simply that when the letter is delivered to the bank, someone there -- even if it's the cleaner -- has to acknowledge that the package has, indeed, been delivered. As far as the courts are concerned, that's all that matters -- they've been 'served' the documents by the postman. If the bank then let that letter sit on a desk for a week, then it's their fault: you have done your duty by sending it and obtaining a delivery signature and your dated receipt from the Post Office.

Special Delivery costs more, because it guarantees that the documents will be delivered by a certain time of day, usually 9am or 12 noon. In law, this does not give any kind of preferential treatment compared to signed for. And it costs considerably more, so other than exceptional circumstances, I'd just use first class signed for.

Some interesting success stories popping up -- well done to those people.

frugalpam

brightonman wrote: »

I just wanted to say something here following what natweststaffmember said earlier (and if your username is a literal description of what yuou do for a living, then we're delighted to have a 'mole' on board!)

Sending something by Signed For (recorded delivery) means simply that when the letter is delivered to the bank, someone there -- even if it's the cleaner -- has to acknowledge that the package has, indeed, been delivered. As far as the courts are concerned, that's all that matters -- they've been 'served' the documents by the postman. If the bank then let that letter sit on a desk for a week, then it's their fault: you have done your duty by sending it and obtaining a delivery signature and your dated receipt from the Post Office.

Special Delivery costs more, because it guarantees that the documents will be delivered by a certain time of day, usually 9am or 12 noon. In law, this does not give any kind of preferential treatment compared to signed for. And it costs considerably more, so other than exceptional circumstances, I'd just use first class signed for.

Some interesting success stories popping up -- well done to those people.

I'm so glad I sent all my letters to Natwest by 'signed for' delivery, before I went down the MCOL route.
Natwests solicitors, Cobbetts, wrote one of their intimidatory letters to me today, claiming that Natwest had no details of the charges I was claiming. In my reply, I quoted the dates of the letters I'd sent - which included the charge details - and pointed out that I had electronic proof that the letters were indeed signed for :rotfl:
What a bunch of jokers - both Natwest and Cobbetts. I admit I was a bit spooked today by Cobbetts letter, full of legal mumbo jumbo, but that has well passed now. My little finger has more professionalism than that bunch of clowns.


Pam

PiperAlpha

Hey frugalpam,
You started your claim a bit before me I think. Natwest have until the 30th of may to defend themselves on my MCOL claim. Just wanted to say it's great to hear how positive you are! It's really good to know that there's someone going through the same process. At first I had no worries but now it's at the court stage, and hearing this LLoyds TSB case being upheld has made me a bit wobbly!! Hope all goes well for you. I'm claiming back around £2000. I'll keep checkin the forum to see how you get on!

frugalpam

PiperAlpha wrote: »

Hey frugalpam,
You started your claim a bit before me I think. Natwest have until the 30th of may to defend themselves on my MCOL claim. Just wanted to say it's great to hear how positive you are! It's really good to know that there's someone going through the same process. At first I had no worries but now it's at the court stage, and hearing this LLoyds TSB case being upheld has made me a bit wobbly!! Hope all goes well for you. I'm claiming back around £2000. I'll keep checkin the forum to see how you get on!

Hiya! Thanks for replying and your good wishes.
I've felt a bit wobbly myself by the Lloyds TSB thing, and when I first opened Cobbetts letter (even though I was expecting to hear from them). However, knowledge is power and I've armed myself with that - I'm feeling more than ready to take on the fat cats :rotfl:

All the best to you too!

Pam

julie_c_4

brightonman wrote: »

I just wanted to say something here following what natweststaffmember said earlier (and if your username is a literal description of what yuou do for a living, then we're delighted to have a 'mole' on board!)

Sending something by Signed For (recorded delivery) means simply that when the letter is delivered to the bank, someone there -- even if it's the cleaner -- has to acknowledge that the package has, indeed, been delivered. As far as the courts are concerned, that's all that matters -- they've been 'served' the documents by the postman. If the bank then let that letter sit on a desk for a week, then it's their fault: you have done your duty by sending it and obtaining a delivery signature and your dated receipt from the Post Office.

Special Delivery costs more, because it guarantees that the documents will be delivered by a certain time of day, usually 9am or 12 noon. In law, this does not give any kind of preferential treatment compared to signed for. And it costs considerably more, so other than exceptional circumstances, I'd just use first class signed for.

Some interesting success stories popping up -- well done to those people.

The last five items I have sent via recorded delivery(signed for) have either been lost or not signed for, therefore no proof! I didn't realise that items sent by recorded delivery were just put with the normal first class mail. ie not tracked just signed for (if you are lucky) at the other end. Whereas special delivery is taken separately from normal post and tracked "guarranteed next day" and is always signed for (natweststaffmember will verify this). I would recommend the extra cost for special delivery just to be sure that you have proof of delivery.