NatWest

skintscouser

frugalpam wrote: »

Hiya skint.. glad you're getting your money back :beer: It's good that everyone shares their experiences and information etc - it also goes to show how disorganised the banks are in dealing with all our claims....
Pam

Absolutely Pam. A good friend of mine is working on Halifax claims. It seems there's a bit of pot luck involved on who deals with your claim, and how pressed they are on that day with targets. They have to clear 'x' amount each day. Most of them are contractors too. I would imagine it's similar when the legal people get involved with court claims. But sharing our collective knowledge here, and reading through Martin Lewis' words of wisdom (essential) can help us greatly. It's like a poker game now. The banks want us to believe we aren't holding any cards. Bluff, then counter-bluff?

Message to everyone is; don't be bluffed or bullied. However, if you feel that you have been made a reasonable offer and don't want to go any further, then settle. Especially when it's a good few grand which is life changing money when you are in debt.

Finally, I think it is more important than ever that we get the wording on our letters spot on, and that we follow correct procedure. I am sure that when a case falls into the hands of the litigators they will pick up straight away on any potential flaw in our case or weak-spot they can find.

Mechanicus

Can I just ask again about this:

Some of us have had letters stating it will take 6-7 weeks to sort out a claim. Do we let them have this long, do we wait the 14 days then go straight to MCOL, or do we send them a letter saying it isn't good enough?

k1mmie

I think its your shout Mechanicus. You have the right to to go straight to MCOL, however from what I have been reading they do seem to offer after this period.

skintscouser

Mechanicus wrote: »

Can I just ask again about this:

Some of us have had letters stating it will take 6-7 weeks to sort out a claim. Do we let them have this long, do we wait the 14 days then go straight to MCOL, or do we send them a letter saying it isn't good enough?

If you have sent 2 letters, giving them 2 weeks on each... 4 weeks in all, then you can quite reasonably go through the Moneyclaim on-line process. You could try ringing Customer Relations and say that you wish to resolve the matter but require an acceptable offer to do so... otherwise you will lodge a claim or go through the Ombudsman. It may work. If not, you have the other 2 channels open to you. Neither are quick, but they can be very effective. Read the success stories on here to see how many people have got what they want. Keep your nerve and keep posting and let us know how it goes.

ripski

skintscouser wrote: »

Ring them on the number on the letter to clarify what period the offer is for. They do take ages to respond to claims and are not as organised as we may wish them to be! If it's for the 1st part of your claim then great. Accept and continue for the rest. If it's for the lot, then you can write back and say you accept that as 'partial settlement' and will continue proceedings for the rest. There are templates on here to use. Good luck.

Skint - I had no intention of being critical or argumentative. Perhaps I can be without realizing.
Do keep on posting as it is important for others
The RBS quote is interesting and may well be the case . My experience is that the only consistency is the inconsistency
For instance - I tried phoning and negotiating by phone but got zilch /nowhere yet others were able to negotiaite by phone
Cap One have been willing to enter into communication but only to really say 'bog off' so it is off to MCOL again who must be getting cheesed off with the extra work

boobless

hi

i sent my 1st letter to natwest on 18th june 07 and received their usual looking into it in 8 weeks response on 29th june, i sent my LBA on 2nd july 07 then today i received a full and final offer from them for £1430.00 my claim is for £2743.00, this offer was dated 2nd july 07, i will not accept the offer, but do i wait to see if they respond further to the lba or wait the 14 days before using mcol - the letter also states that should this outcome not be satisfactory i should telephone their offices within 8 weeks.

any advice please

princesskez26

boobless wrote: »

hi

i sent my 1st letter to natwest on 18th june 07 and received their usual looking into it in 8 weeks response on 29th june, i sent my LBA on 2nd july 07 then today i received a full and final offer from them for £1430.00 my claim is for £2743.00, this offer was dated 2nd july 07, i will not accept the offer, but do i wait to see if they respond further to the lba or wait the 14 days before using mcol - the letter also states that should this outcome not be satisfactory i should telephone their offices within 8 weeks.

any advice please

I'd give them a ring to see if you can negotiate a higher offer with them Don't give them anymore time than you should, stick to your timescales

Good luck

boobless

it seems as though the offer came from my 1st letter, i dont know if this is normal tactics, would they be likely to make a different offer after receiving my lba letter ? or is just one offer the norm for nat west.

paul.nikki

paul.nikki wrote: »

Hi
I have decided not to fight with the natwest any more and just get my charges back which comes to over £5400 without interest. I know I am wimping out but I did not realise till 2weeks ago how angry and upset I was getting about the whole thing . Life is just to precious to waste time on them.
But a word of warning to anyone who are claiming charges and there natwest account is frozen and with the credit management service (still a part of natwest ) They pay the charges into your account then you have to wait 10 working days for your account to be inactive ( although mine has been frozen for 2 year apparently this does not count ) you then have to wait 3 weeks for them to send you out the cheque but there is a delay of an extra two weeks due to the backlog.
So I feel back to square one like I have been conned as I have the money but can not get hold of it and once again I am so angry and upset.
Fatwest just keep getting fatter
nikki:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

I decided to ring the complaints departments on tuesday regarding the above I got my cheque this morning Oh my god. I am now debt free as this was my last dept and I am now £2400 richer. I am off on a weekend retreat to get over it all next month courtesy of natwest. Thank you so much without this website I would still be dealing with the debt collectors trying to pay off the £3000 debt and good luck to everyone still trying. It is amazing how one website can make such a diffrences in peoples lives.

Fatwest got a bit slimmer today Ha Ha Ha :j :j :j :j :j

Nikki

Received
£40.00 argos vouchers by ipsos
Free manicure kit

Owe

£0.00 zero nothing zilch not a penny

GarethR

anna_h wrote: »

GarethR wrote: »

Anna, as you arent feeling so brave I will show you the template I used in response to the exact letter you have, its a combination of what Martin & others suggest on here:

Dear Sir or Madam

Re: Claim No:

I acknowledge the receipt of the defence dated xxxx 2007, posted on behalf of National Westminster Bank plc. I have already detailed the charges which were sent along with my letter dated xxxx 2007, I am also concerned you are dealing with this case without having kept the original paperwork related to the claim. To confirm the charges please find enclosed a full detailed list to assist you.

I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative, furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity I confirm the charges I am claiming were applied to the following account:-

Account Name:
Account number:
Sort Code:

Yours faithfully

Dont panic about what they send you, just come on here & have a look in the threads Pam suggested, if you cant find an answer just ask

:beer: [/quote

What the devil is the CRP Part 18 and Part 27 they refer to? Can I read about it somewhere here? Also when I send them my calculations which I did using :money: 's calculator it obviously did not give a description of each charge as shown on my statements - do I have to redo the calculations and type each charge in as they request? :rolleyes:

Gareth - here's one from me :beer:

Hell no, just give them the calcs you got when you worked it out on here! Its just so they can do the math.