NatWest (merged)

Kazzex

Hi, Am reading the threads about Cobbetts Natwest laywers I am at the defending stage where they have acknowledge the claim on MCOL and am waiting for the defence. Who is Cobbetts and if I get a letter what can I expect and what do we do? Lots of questions just jittery.

smudgemanc26

Kazzex wrote: »

Hi, Am reading the threads about Cobbetts Natwest laywers I am at the defending stage where they have acknowledge the claim on MCOL and am waiting for the defence. Who is Cobbetts and if I get a letter what can I expect and what do we do? Lots of questions just jittery.

Cobbetts are Natwest's lawyers

I think there may be some help in here regarding the MCOL stages

http://forums.moneysavingexpert.com/showthread.html?t=400981

Christiene

Thanks smudgemanc26 for your help.
Christiene

little_evo

timewilltell wrote: »

do u mean it was validated on may 14th, as march seems a long long time to wait for a letter. good luck

Erm..yes I meant MAY 14th and have changed that.

frugalpam

Jeni-mb wrote: »

Hi Pam
I've only just got round to registering on this site this morning, however I've followed some of your threads for a while. My claim with Natwest has also just been defended yesterday by the intimidating letter from Cobbetts... we are obviously at the same stage in our claims.

I had previously banked with Natwest, but finally switched accounts back in 2005 after having endless hassle with Natwest for years. My claim with interest and court costs amounts to just over £4,000. I sent off like you with my original claim all paperwork, spreadsheets and photocopies of each statement showing every charge highlighted - I thought my case was watertight after reading threads on this site. It appears now though that Cobbetts have other ideas.
There defence is confusing to say the least, basically saying they are 'embarrassed by the lack of particularity pleaded in the particulars of the claim'. They go onto say that 'The defendant invites the claimant to remedy the above, if they fail to do so within 14 days of the service of defence then the defendant will apply to the court for an order striking out the particulars of the claim'.
Is your defence of a similar wording? If so, do you know what the next step is that you are going to take? I've not had any paperwork from MCOL yet the defence was only lodged yesterday.
Any advice would be gratefully received!

Many thanks, Jeni

Hi Jeni - have a read through this thread and you'll find the answers you need. Mine was a different letter, but again, the answers are in the thread I've pointed out to you.
Good luck - post or PM me if you think I might be able to help!

Pam

jonun

hi,

im sat here in tears ...so mad with natwest!
if you have followed my posts today you will know i was waiting on a call back from a manager.
4pm still no call..so i rang them..no manager available, the guy i spoke to this morning..unavailable.
so i asked somebody else to help me...No record at all of my ref number, so gave him account details..NO RECORD OF MY CLAIM AT ALL IN THE SYSTEM!!
In haste i banged the phone down before i screamed!
rang back spoke to somebody else who said' oh yeh we have your claim, usual 56 days bla bla bla'
when i asked him about this morning , he didnt have a clue what i was on about , he just said my claim was in order and being validated!!!
i told him i was starting MCOL, informing the FO, writing to my local MP and informing my local newspaper and informing the Law Society and the Banking Code Standrds Board..
you couldnt make this up could you??
I am sooooooooooooooooooo angry!

frugalpam

jonun wrote: »

hi,

im sat here in tears ...so mad with natwest!
if you have followed my posts today you will know i was waiting on a call back from a manager.
4pm still no call..so i rang them..no manager available, the guy i spoke to this morning..unavailable.
so i asked somebody else to help me...No record at all of my ref number, so gave him account details..NO RECORD OF MY CLAIM AT ALL IN THE SYSTEM!!
In haste i banged the phone down before i screamed!
rang back spoke to somebody else who said' oh yeh we have your claim, usual 56 days bla bla bla'
when i asked him about this morning , he didnt have a clue what i was on about , he just said my claim was in order and being validated!!!
i told him i was starting MCOL, informing the FO, writing to my local MP and informing my local newspaper and informing the Law Society and the Banking Code Standrds Board..
you couldnt make this up could you??
I am sooooooooooooooooooo angry!

Jonun - I really feel for you, and what you're going through.
My advice: don't bother phoning, put everything in writing and send by 'signed for' delivery. Follow the time schedules set out. Use the FO to deal with your complaint or file through MCOL.
Keeping on phoning is a total waste of time and way too stressful.

Pam

jonun

frugalpam wrote: »

Jonun - I really feel for you, and what you're going through.
My advice: don't bother phoning, put everything in writing and send by 'signed for' delivery. Follow the time schedules set out. Use the FO to deal with your complaint or file through MCOL.
Keeping on phoning is a total waste of time and way too stressful.

Pam

thanks frugalpam,

1st thing monday im starting MCOL..can i do that even tho their still within 56 days?
i need to research mcol as i havnt a clue what to write and how to word it etc!!
my claim is over 5k so would i need to do 2 seperate claims?
also the bank said earlier my spreadsheets werent acceptable so do you think they would use it in their defence in court??(even tho now the bank dont know anything about the spreadsheet conversation)
sorry for all the questions but many thanks
jo
x

frugalpam

jonun wrote: »

thanks frugalpam,

1st thing monday im starting MCOL..can i do that even tho their still within 56 days?
i need to research mcol as i havnt a clue what to write and how to word it etc!!
my claim is over 5k so would i need to do 2 seperate claims?
also the bank said earlier my spreadsheets werent acceptable so do you think they would use it in their defence in court??(even tho now the bank dont know anything about the spreadsheet conversation)
sorry for all the questions but many thanks
jo
x

Hiya Jo - have a good read through the MCOL thread which tells you how to fill in the form online, etc. It's really worth reading it all before you attempt to fill out all the details, so that you're sure you've got it right. Rex Mundi's posts early in that thread give a lot of really good advice.
I'm not sure about claims over £5000 (mine was for just over £1000). Don't forget that the Financial Ombudsman will do all this free of charge for you, and you wouldn't have to deal with the bank or their nasty solicitors. Might take a bit longer, but it would avoid a lot of stress (I'm half wishing I'd gone down that route now, since Natwest have put in a defence, and it might take a few months anyway to reach my local County Court).
If you do use MCOL, you submit the charge details separately - I filed my claim, then wrote to the Court enclosing the spreadsheet, and asked them to file it with the particulars of my claim.
Keep your chin up,
Pam

jonun

frugalpam wrote: »

Hiya Jo - have a good read through the MCOL thread which tells you how to fill in the form online, etc. It's really worth reading it all before you attempt to fill out all the details, so that you're sure you've got it right. Rex Mundi's posts early in that thread give a lot of really good advice.
I'm not sure about claims over £5000 (mine was for just over £1000). Don't forget that the Financial Ombudsman will do all this free of charge for you, and you wouldn't have to deal with the bank or their nasty solicitors. Might take a bit longer, but it would avoid a lot of stress (I'm half wishing I'd gone down that route now, since Natwest have put in a defence, and it might take a few months anyway to reach my local County Court).
If you do use MCOL, you submit the charge details separately - I filed my claim, then wrote to the Court enclosing the spreadsheet, and asked them to file it with the particulars of my claim.
Keep your chin up,
Pam

thanks frugalpam thats great advice.

its just dawned on me tho
that i have already complainrd to Fo a week sgo am i right in thinking they dont handle complaints if they are in the hands of the court?
thank u
jo x