NatWest (merged)

Paulxo

Hi Steve

Is it by CPR part 18? If so...

Ignore NatWest's request.

Their claim for info is incorrect, and does not apply to the small claims track.

I'm amazed they're still trying that one.

I'm a little further along than you, and just recently my county court has moved to strike out the bank's claim as an abuse of process. See an earlier post on this.

They say they're wasting the court's time, because they always end up settling before the hearing.

Just sit and wait.

Or, write to the court to bring to its attention that NatWest are being intimidatory and inform NatWest you have done so.

I'm still waiting to hear what NatWest are going to say to this new development!

dj9928

They made me an offer of £220. I claimed for £210, Only think i'm loosing out on is court fees, should I accept

ShakerSonicBen

hi i posted my sar plus £10.00 over a week ago and it still hasn't been debited from my account (all the others have).
im not sure i have sent it to the correct addresss. i think it was the edinbourh one.

is that correct?

linkslow

I'm about to write the second letter Now what should I put for the name of the court or does it depend from person to person.

Doozer_2

Hi

Quick bit of advice needed.

I started action against my natwest last week using money claim, today i have received a letter (the infamous higley) dated 23rd January(in response to letter 2) offering a settlement figure of charges only. i started action against them on the 24th, so i take it that at the time this letter was written they were unaware that i had started court proceedings.

i am concerned about what to do next, it is a lot of money but i will still have to pay £120 court fees out of it and i was wondering if i could write to the bank and state that if they offer me a full refund of charges plus the court fees (brought about by failure to respond in time) then i would be willing to accept. or am i being greedy and should just be grateful for what i have been offered?

or should i continue with the court claim?

thanks

nickmack

Doozer wrote:

I started action against my natwest last week using money claim, today i have received a letter (the infamous higley) dated 23rd January(in response to letter 2) offering a settlement figure of charges only. i started action against them on the 24th, so i take it that at the time this letter was written they were unaware that i had started court proceedings.

i am concerned about what to do next, it is a lot of money but i will still have to pay £120 court fees out of it and i was wondering if i could write to the bank and state that if they offer me a full refund of charges plus the court fees (brought about by failure to respond in time) then i would be willing to accept. or am i being greedy and should just be grateful for what i have been offered?

You are not being greedy, the money for the charges is yours.

It's tough on NatWest, the case is now at the court stage and interest and court fees are payable. They knew the deadline and they failed to meet it.

Whether you want to be leniant and accept the offer for settlement is up to you.

Doozer_2

nickmack wrote:

You are not being greedy, the money for the charges is yours.

It's tough on NatWest, the case is now at the court stage and interest and court fees are payable. They knew the deadline and they failed to meet it.

Whether you want to be leniant and accept the offer for settlement is up to you.

i was wondering whether it was another natwest ploy, to predate the letter and make me think that they would have offered anyway in the hope that i would give in and take the settlement.

Rex_Mundi

Doozer wrote:

i was wondering whether it was another natwest ploy, to predate the letter and make me think that they would have offered anyway in the hope that i would give in and take the settlement.

I've seen a few cases like this............MCOL started, all of a sudden, a full offer comes from the bank for the original amount of the charges only. If this is a tactic, it is not restricted to one bank.

Now you have moved to the next stage after the deadline you gave them in your last letter, you are fully entitled to pursue for charges+interest+court fee. You gave them ample time to make this offer before, and gave them forewarning that you would issue a court claim if they ignored you and your timescale. You have fullfilled all your own obligations/timescales regarding your claim. It is not your fault the bank has waited this long to settle in full.

Write to the bank explaining that you made every reasonable effort to settle before it got to this stage. Tell them you have proof of this with copies of your letters and their replies. Now, you have been forced by their innaction to issue a court claim, you expect full costs of charges+interest+fees.

Doozer_2

Rex_Mundi wrote:

I've seen a few cases like this............MCOL started, all of a sudden, a full offer comes from the bank for the original amount of the charges only. If this is a tactic, it is not restricted to one bank.

Now you have moved to the next stage after the deadline you gave them in your last letter, you are fully entitled to pursue for charges+interest+court fee. You gave them ample time to make this offer before, and gave them forewarning that you would issue a court claim if they ignored you and your timescale. You have fullfilled all your own obligations/timescales regarding your claim. It is not your fault the bank has waited this long to settle in full.

Write to the bank explaining that you made every reasonable effort to settle before it got to this stage. Tell them you have proof of this with copies of your letters and their replies. Now, you have been forced by their innaction to issue a court claim, you expect full costs of charges+interest+fees.

What would be your perceived outcome if I were to ignore the letter and leave this to run to court, neither accepting or declining the offer (i have 8 weeks to accept /decline offer)?

Seeing as this letter is an offer even though they are not accepting liability, is it not basically an admission of guilt, that they accept these charges are unlawful and if it were to actually get a hearing in court would it not virtually seal the deal in my favour i.e covering full claim and all costs?

Thanks very much for your response, it is much appreciated.

Rex_Mundi

Doozer wrote:

What would be your perceived outcome if I were to ignore the letter and leave this to run to court, neither accepting or declining the offer (i have 8 weeks to accept /decline offer)?

Seeing as this letter is an offer even though they are not accepting liability, is it not basically an admission of guilt, that they accept these charges are unlawful and if it were to actually get a hearing in court would it not virtually seal the deal in my favour i.e covering full claim and all costs?

Thanks very much for your response, it is much appreciated.

I don't see the problem with sending a letter. Recorded delivery would cost very little (make sure anything you send is signed for).

I believe Natwest will settle in full anyway, I've been further than you are at court stage and received a full settlement from them. This doesn't mean that you can just ignore everything sent to you. They have made an offer. You are at a stage now after giving them enough warning that this offer is not good enough now. Do not just ignore their offer. Write and tell them why the offer is no good, and what you want to settle the claim. It wont hurt, it wont take much time, and it may lead to a full settlement a bit quicker.