Lee v Natwest (part deux)

[lee in wales]

Hello all, I was looking through my online statements with Natwest and saw quite a few charges, which got me intrigued, its been 2 and a half years since I received my goodwill payment from Natwest for £3902, so I went back to 26th Feb 2007, and counted up all the charges put on my account, (which I rarely use now) and totted up £1328, it is so easy to slip back into the never ending circle of bank charges. So my plan is to have another go....... Obviously things have moved on since last time so I will have to do a bit of reading up on where we are with starting a claim, As I have the statements I need online, I will skip the SAR and go straight for the Preliminary request,
As I won't qualify for finacial hardship is the template in the library still up to date or do I need to adjust it for where we are in the test case??

Many thanks
Lee

[natweststaffmember]

Re: Lee v Natwest (part deux)

Lee, you send the first letter which should be acknowledged which effectively means that you will get paid out on the conclusion of the OFT test case issues.

[lee in wales]

Hello again, sorry I don't want to keep asking daft questions, just sorting out my Prelim letter, and schedule of charges, and noticed that you add 8% interest pa from the start, just double checking before I send it, cuz last time I didn't add this untill it got to the court stage, (s69) is this right and if so, just wondering the reasons behind it.
Sorry and thanks again,

Lee


Sorry ignore that, after reading it again it all makes sense, Must read before asking daft questions.

[Paule]

Re: Lee v Natwest (part deux)

The 8% on ther prelims is is now classed as COMPENSATORY interest, that is why we include it from the start. It is NOT the stat interest awarded at court
That way you have it in your claim from the beginning and they have to pay it if they wish to settle.

The 8% stat interest can only be added if the courts permit, so if they settle before court, they don't have to pay it.

[lee in wales]

Re: Lee v Natwest (part deux)

Thanks again, Prelim letter sent recorded delivery today, so I await their reply by 28/09/2009

[lee in wales]

Re: Lee v Natwest (part deux)

Hello all, only two days to go until the end of the 1st 14 days, (prelim letter) and no response so far, I just have a quick question if anyone could help,
I just had a look at my account online, and I am now £207 over my overdraft limit due to charges, I worked out I didn't have enough in the account to pay the advantage gold account charge, ( which i need to cancel and go onto a standard account ), I have been charged £28.00 acc charge and another £114.00 acc charge on the same day, for missing that payment. I now have to put at least £300 into that account to bring me inside my overdraft and cover next months charge for over limit fee. Which in all honesty I havent got a spare £300, if the account is in dispute now i've sent my prelim letter can they keep charging me putting me further overdrawn??

Lee

[Happyolddog]

Re: Lee v Natwest (part deux)

Hi Lee,
Do you have another account where you can get your pay redirected into? if so...do so. Then send a letter to get the nasty wets account frozen until the outcome of the test case. Tell them to stop putting unlawful charges onto it until they can be justified.

Good luck.
Liam.

[lee in wales]

Re: Lee v Natwest (part deux)

Thanks Happy, I already have my wages going into a different account, just my childrens tax credits go into Natwest, so I will move those and send a letter freezing the account, I will have a look in the library for a template now,
thanks again mate

Lee

[lee in wales]

Re: Lee v Natwest (part deux)

Hello, I am quite surprised, i got a reply from Natwest today, a day before the 14 day deadline, granted it wasn't an offer, it was a 2 page letter telling me about the test case and how they believe their charges are fair, transparent and lawful, I gather it is the standard letter response, so tomorrow i will respond with my LBA and a letter to freeze the account pending the outcome of the test case,
We shall see what happens

[lee in wales]

Re: Lee v Natwest (part deux)

Hello again, sorry its been a while, my computer packed up 2 months ago, and havent been able to get online,
Whislt i've been away, I sent LBA off to Natwest and recieved a reply the other day, well 3 replies, all the same letter, dated 1 day after the next:confused2: with forms to fill in for hardship claims, which doesn't really apply to me, i presume i leave those and go to the next stage, court action. I take it the bank will apply for this to be stayed and i will join the queue in the court system.
I'm thinking the good old fasioned route of filling in N1 forms, as i think it looks quite proffesional, i will have another good read up on the test case so far before i enter my claim in, am i right in thinking, its still the same, fill in particulars of claim, amounts claimed etc, then print out 3 copies of N1 and schedule of charges 1 for the courts, 1 for Natwest and 1 for myself ?

Also i still need to send Natwest a letter freezing the account so i don't accumilate anymore charges whilst this is going on, i've looked in the library and can't see any templates for this, is there anything in depth i need to write or is it just a simple letter saying i want freeze the account untill the result of the test case ?

Many thanks in advance,

Lee x

[Tools]

Re: Lee v Natwest (part deux)

Welcome back to the t'interweb Lee.

My first thoughts are that there is no need to issue your claim in court, simply registering your dispute regarding charges is enough at this stage.

You say you do not qualify for hardship? Hopefully you do not have any priority arrears or meet any of the other criteria of the DISP.

Until the outcome of the Test Case I would advise that you simply leave your complaint registered with the bank, there isn't much point entering a claim in court for it just to be stayed.