Should I Accept an Offer?

bhoogenberg1

I claimed on 3 accounts to Natwest, and after they acknowledged my claim, they have made an offer. On one hand it is great as they are offering all the money I have been charged, but not the interest! My dilema is that I had to pay £320 in moneyclaim fees to bring the 3 claims about. The question is - should I accept, or push ahead for the court fees (£320) plus interest (£500) as they only have 3 days to enter a defence?

Help!

Stephen_Leak

bhoogenberg1 wrote: »

I claimed on 3 accounts to Natwest, and after they acknowledged my claim, they have made an offer. On one hand it is great as they are offering all the money I have been charged, but not the interest! My dilema is that I had to pay £320 in moneyclaim fees to bring the 3 claims about. The question is - should I accept, or push ahead for the court fees (£320) plus interest (£500) as they only have 3 days to enter a defence?

Help!

Write back to them, accepting the offer as a "part payment without prejudice" and reminding them that they still owe you your court fees. If you write, your letter might arrive on or after their deadline to defend.

You aren’t legally entitled to the 8% per year statutory interest on the charges unless it is awarded by a judge.

bhoogenberg1

Would it be worthwhile phoning them? Also, if I dont accept the offer, and ask for judgement by default, does this guarantee that i'll get the money, and if so, does the court have a strict time-limit in which the bank must pay?

Stephen_Leak

bhoogenberg1 wrote: »

Would it be worthwhile phoning them? Also, if I dont accept the offer, and ask for judgement by default, does this guarantee that i'll get the money, and if so, does the court have a strict time-limit in which the bank must pay?

If you 'phone them and you cannot agree a settlement, it could give them just enough time to fire off a last minute defence. Use their delaying tactics and the system against them, for a change.

They can dispute judgements by default, but only if they claim that there was a defence in the system at the same time.

The courts only give them a week to pay up.