NatWest (merged)

mercury238

Just a quickie regarding the Money Claim online. (All these dates are getting confusing!)

As I understand it originally they have 14 days to acknowledge then once they have done this it goes up to 28 to reply.

Does the extra 14 days start from the date they acknowledged the claim (claim acknowledged 26/1)? and if so, when that 14 days is reached (which should be friday by my reckoning) do I then start a judgement by default?

AND if i DO get to that stage. Would i start the judgement on Friday or wait until Saturday?

Thanks!!


Sorry I know these questions have probably been asked 100 times before but i want to make sure I've got every clear!

jillie1974

Rex_Mundi wrote:

I think that paying off £4037 from your debts for the sake of writing a few letters is well worth bothering about.

sorry rex, was a bit PO as i just got off the phone to them
but i would have liked some of it for me!!
i know i got myself in trouble in the first place but as the day goes on i am more and more proud of the fact that-
1) I beat Natwest!!!
2) I have cleared £4061 of debt that otherwise would have taken me years!!!

so i urge everyone who is thinking of claiming to do it!
will post my success on the thread later

theywontwin

Sorry to post again, but one thing I would like clearing up if someone could help.

If I claim for more that £5k, say it is about £7k+ do I still go through the same channels ie courts? Do I have to get a solicitor myself?

I heard that above £5k its not the small claims court. So is there a different claim I have to fill out to apply to a different court?

Please advise as this has confused me now (mind you, thats easily done )

Thanks guys

Rex_Mundi

theywontwin wrote:

If I claim for more that £5k, say it is about £7k+ do I still go through the same channels ie courts? Do I have to get a solicitor myself?

You can claim this in one, but it may not be dealt with in the small claims track. Other tracks in court can be a little more complex.

You could always split the claim for the court case.............

2001-2004.........£4000
2004-2007.........£3000

These are example figures, but both these amounts would keep you in the small claims track.

theywontwin

You are a diamond Rex, thank you so much!!

GOOD NEWS!!! I have just received my 2nd batch of statements, now I have the full 6 years!! :j

Sorry Natwest, here comes another claim to really annoy you

Will keep you updated.

naitch1980

Getting nervous now, going to the moneyclaim website when i get home tonight.
Wish me luck someone - do I need it?
For the record, all I have reclaimed is the charges for returned DDs & SOs and bounced Cheques.
Everytime, it's been through carelessness on my part & not checking my account

jem170884

tross wrote:

Hi i have a Natwest Current Account, with a overdraft of 800, which is up to the limit by the end of each month.
Will the bank make me pay off this overdraft before they will pay out the charges they will owe me.
My salary goes into the bank at the end of each month.
I cannot afford to pay back this amount untill i have received the money they owe me.
I also have all my direct debits going out of this account.
I need this overdraft each month to live off unfortunately.
PLEASE HELP!
If i am successful in claiming back these charges,it will enable me to get out of this mess.

My boyfriend has jumped on the band wagon as I have and am nearing the final stages with HSBC. He is in exactly the same situation as Tross, please help as if they remove his overdraft then he doesnt want to claim, as far as i was aware claiming bank charges doesnt go against you credit wise so relistically they would have no real reason to do this, but then banks make up their won rules on what they can and cant do. Please help, I have promised him I would ask!!!

jem170884

theywontwin wrote:

Why do these banks insist on employing people who feed you no sense answers? :mad:

I asked Natwest for my statements. If I may paste the next bit because I am taking notes of what goes on with them.

Ordered 6 years worth of statements (01/01/2001 to date), via letter handed to main branch, on Sat 27 Jan 07

Received, Sat 3 Feb 07, statements for 15 Dec 2000 to 4 Oct 2002

Phoned Natwest Sat 3 Feb 07 to ask why I only had the statements I had when I asked for 6 years worth. Asked to be put through to Statements Dept. Told they don’t open weekends and to phone back Monday and speak to them.

Phoned Mon 5 Feb 07 and asked to speak to Statements Dept. Not put through. Told the statements have been sent but they can be resent free of charge if I haven’t received them. Said no to that. I would wait.

Phoned back Mon 5 Feb 07. Asked to be put through to Statements Dept. Not put through. Told they have been sent a year at a time, due to the Data Protection Act as it’s a lot of info to go missing if 6 years worth was lost in the post. Told I should receive them tomorrow (Tues 6 Feb 07).

Statements not received. Phone again Tues 6 Feb 07. Asked to be put through to Statements Dept. Not put through. Told I only ordered the statements on Mon 30 Jan 07 and they are in the post and I should receive them today (Tues 6 Feb 07) or tomorrow (Weds 7 Feb 07) as it takes 5 – 7 working days. Said that’s not the issue. Said I have received some statements but only for 15 Dec 2000 to 4 Oct 2002. Was then told that up to 2002 they used a different system for statements and that I should receive the rest by Thurs 8 Feb 07. Said I will give it until Fri 9 Feb 2007.

My wife has had the same with Barclays. Told one thing by one person and a completely different story by someone else.

I have decided to wait for the statements as I went online to Natwest banking and calculated how much was owed over the last 6 months. Did my sums and estimated I am owed £7300+. If I try and get that back and its over estimated they will know and put up a defense. Best to wait and get a definite figure.

Will keep you posted.

Im sorry to say but I used to work for Barclays and I was a culpret of the tell em anything to shut them up was of working and yes that is what they do, unless you research the stuff before you call them or demand to speak to a supervisor you will end up talking to a spotty 16 year old that has spent a week getting drunk at barclays training facilities all expenses paid and I know for a fact natwest do the same. ALWAYS SPEAK TO THE ORGAN GRINDER NOT THE MONKEY!!!!

twinstwins02

mishmash wrote:

Good luck, you are a few steps ahead of me so I will be watching to see how you go, please keep us updated.

I may have missed it,but how much is your claim for? I'm not being nosey (well I am) My one is ££2956 without interest. I think I have been very bad, it seems much higher than others on the site.:eek:

I bet Mr Higleyis getting a fair bit of over time at the moment, he will be putting Martin on his Christmas card list:money:

Mish mash

Mine is much bigger £5412.00 without interest and I have sent my first letter 6/2. Good Luck

Jenko2006

Ive just had an offer but its not enough so are there any nice templates to reject this.

thankyou.