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Hi all,
Unfortunately, for the first time (in absolutely ages !) I’ve just become a worried man, once again !
The reason for my worry is due to a longstanding, NatWest (joint) Account and specifically the overdraft facility.
This overdraft has gradually crept up to its current level of approx. £4500. The reasons were due to redundancy and a huge amount of bank charges. Despite my desperate plea’s NatWest wouldn’t entertain freezing charges / interest – when in fact all other institutions did, on request !
(At this point I’d like to add I issued a claim for approx. £800 of unfair bank charges, in early 2008 AND superseded this with an additional approx. £200 claim (thus making just over £1000, in total) in the middle part of this year (2009). This remains on hold !)
Over many months NatWest have ‘harassed’ me prior to shifting this to their representatives Triton Credit Services, Irwin Mitchell Solicitors and Shoosmiths. All these institutions have been CCA’ed BUT Irwin Mitchell have now decided to issue proceedings !
I have, today, received a “Claim Form” for Northampton County Court “Bulk Centre”, however, this has been issued specifically to my wife, as opposed to me !
If it was to me I wouldn’t have been so bothered !
I’m afraid this is the point that I now become ‘snookered’ !
Sorry this post has been so lengthy but PLEASE, PLEASE, PLEASE can someone advise how I proceed from here – I guess I’m now left with no choice other than to respond to the Claim within the 14 day timescale ?
Do I still have any other options ?
If I defend what is the likelihood of them not actually turning up, to court ?
Can I attend in lieu of my Wife – who I’d like to keep out of this ?
Can anyone offer me any guidance and also does anyone else have any experiences of Irwin Mitchell Solicitors ?
Thanks,
R
Unfortunately, for the first time (in absolutely ages !) I’ve just become a worried man, once again !
The reason for my worry is due to a longstanding, NatWest (joint) Account and specifically the overdraft facility.
This overdraft has gradually crept up to its current level of approx. £4500. The reasons were due to redundancy and a huge amount of bank charges. Despite my desperate plea’s NatWest wouldn’t entertain freezing charges / interest – when in fact all other institutions did, on request !
(At this point I’d like to add I issued a claim for approx. £800 of unfair bank charges, in early 2008 AND superseded this with an additional approx. £200 claim (thus making just over £1000, in total) in the middle part of this year (2009). This remains on hold !)
Over many months NatWest have ‘harassed’ me prior to shifting this to their representatives Triton Credit Services, Irwin Mitchell Solicitors and Shoosmiths. All these institutions have been CCA’ed BUT Irwin Mitchell have now decided to issue proceedings !
I have, today, received a “Claim Form” for Northampton County Court “Bulk Centre”, however, this has been issued specifically to my wife, as opposed to me !
If it was to me I wouldn’t have been so bothered !
I’m afraid this is the point that I now become ‘snookered’ !
Sorry this post has been so lengthy but PLEASE, PLEASE, PLEASE can someone advise how I proceed from here – I guess I’m now left with no choice other than to respond to the Claim within the 14 day timescale ?
Do I still have any other options ?
If I defend what is the likelihood of them not actually turning up, to court ?
Can I attend in lieu of my Wife – who I’d like to keep out of this ?
Can anyone offer me any guidance and also does anyone else have any experiences of Irwin Mitchell Solicitors ?
Thanks,
R
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