Court Claim Help Please - Natwest / Irwin Mitchell

[R B 1968]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Hiya Budgie,
Thanks for your reply.
Sorry to trouble you !
Still nothing from either Natwest or Irwin Mitchell - or the Court !
I'm obviously thinking about the 'huge' spreadsheet I complied and forwarded to you - I'm basically hoping this will almost 'cancel out' this claim ?

I did check my credit file, yesterday, and despite having already Defaulted me Natwest are continuing to add interest at approx. £60 per month - no company have ever added interest after a default before ?

Look forward to your thoughts, when you get a chance to have a look.

Again sorry to have 'hassled' you, my dear Budgie and I'm very grateful of all your kind assistance, to date.

Regards,

R

[R B 1968]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Hi Budgie / Ame,

What I was getting at in my post of a couple of weeks ago is the fact they (Natwest) have said that if they don't hear back within 8 weeks then they'll consider my complaint closed !

Surely if I let this happen, and my court stay is lifted, further down the line, then I run the risk of having lost my chance to defend ?

Bearing in mind Budgies belief that my original charges claim was far, far less than it should have been should I put a copy of my recent spreadsheet into them now (Budgie is currently reviewing this) ?

I think a response may be important ?

Regards,

R

[Amethyst]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

hi xx do you want to send me the spreadsheet to go through now? I think Budgie has been tied up a lot at work as I havent seen much of him so I'm happy to help you with the next steps. I'm not an advocate of Compound/Contractual Interest tho and with the current position legally on charges being so up in the air I wouldnt push any claim into fast track that neednt be. Have you checked with the court if there has been any movement on the claim ?


The natwest letter about the charges shouldn't affect court but yes a reply might be in order just so they cant use inaction against you later in anyway.

You only need put some thing like....




Name
Address

Dear natwest (to the dept that sent the letter to you NOT the solicitors)
Ac Ref:

Thank you for your letter outlining Natwests position with regards my complaint about the charges on my account. I am sure you will be aware that the matter is currently being dealt with in the County Court and as such, my complaint is very much still ongoing.

Kind regards

R B

[R B 1968]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Thanks Ame.

Can you please PM me your e-mail address and then I'll gladly forward a copy of the spreadsheet.

I must emphasise that due to the volume of information on this spreadsheet its just not possible to remove all the private stuff - hopefully you're OK with me sending this, as it is (this is what I did to Budgie) ?

Thanks,

R
------------------------------- merged -------------------------------
BTW I have received a LBA fom Shoosmiths, today, giving me less than a fortnight to revert with my repayment proposals OR they'll be taking action too !

HELP !

Thanks,

R

PS No, still nothing else from Irwin Mitchell or the courts re. the 'stay' currently in place !

[Amethyst]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Okay don't panic about shoosmiths. Its the same debt isnt it just in the other name?

Yes send spready - admin@legalbeagles.info

[R B 1968]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Thank you Ame.

Yes Shoosmiths are now chasing me for the same, alleged, debt that Irwin Mitchell have been chasing my wife for !

They (Shoosmiths) contacted me last October and I swiftly sent a CCA. They went quiet, until now when they've finally reverted !

Interestingly the amount from both companies WAS they same (comprising of an overdraft + personal loan - split approx. 60/40). Shoosmiths have now docked my £1.00 CCA fee from the original amount (their first mistake) and have attached a copy of the, alleged, personal loan agreement BUT made no reference to the bulk amount - being the overdraft.

Ironically the HUGE amount they are claiming is only a couple of hundred quid more than the total charge figure, on my spreadsheet (as just forwarded to you) !

How do you propose I handle this Shoosmith situation - can two companies chase the same, alleged, debt ? Can Shoosmith really start proceeding for the same amount that Irwin Mitchell have despite their attempt being stayed in Northampton ?

Perhaps I can feel a complaint coming on................. ?

Thanks,

R

PS Anyones input re. their Shoosmiths experiences would be gratefully received !

[Amethyst]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

tbh its a ruddy nightmare and natwest do this far too much, did you ever read Ruby's thread about shoosmiths and irwin mitchell ?

I think we have to ask for a strike of both and tell natwest to start over with One claim. Will have a look at your spready this morning and a look at some bits after school run.

Can you scan the shoosmiths letter?

[Tools]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

RB, the email has not arrived, can you please resend.

Here is Ruby15 's thread , very similar to yours County court Judgment and bank charge reclaiming - help needed!!

[R B 1968]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Hi Tools,

Message sent last night at 9.52pm and again a couple of minutes ago.

Sent to: admin@legalbeagles.info

Have you received this OK, now ?

Kind regards,

R
------------------------------- merged -------------------------------
Hi Ame,

I'll gladly scan and / or copy the Shoosmiths text this evening - hope this will be OK ?

Kind regards,

R

[Amethyst]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Still not received - do you want to try my personal address x

[R B 1968]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Hi Ame,

Thank you.

I've just sent to your personal address.

Hope you receive this safely ?

Kindest regards,

R
------------------------------- merged -------------------------------
The Shoosmiths letter reads, as follows (quote):


My name
My Address

Your Ref (left Blank !)
Our Ref ******.******/**/***
Date * February 2010

Dear Sir

Our Client: National Westminster Bank Plc
Account references: (two a/c numbers !)
Outstanding balance: £6,***.**

We refer to the above matter and further to your request for your loan agreement under the Consumer Credit Act 1974, to which we enclose a copy.

In light of this we ask that your forward to us your repayment proposal for the sums outstanding by 22nd February 2010.

If we do not hear from you by the above date we will continue with action with no further reference given to you.

Yours faithfully

SHOOSMITHS

[R B 1968]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Hi Ame,

Just wondered if you've had a chance to look at my spreadsheet and / or discuss with Budgie ?

Many, many, many thanks,

R

[Amethyst]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

The Account fee and interest on the spreadsheet - can you outline what those charges are ?

Is it a standing monthly account fee (£5 / £6 etc) ?

Is the interest standard interest on the overdraft ? or have you split it so its just the interest applied to the charges element of the overdraft ?

I think from the figures you may have included ALL the interest they have charged you of which most will be legitimate interest on spends rather than on charges ?

also have you two accounts on there or just the one? If two i would split the spreadsheet so you have one per account.

[R B 1968]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Hi Ame,

I've just popped on-line, briefly, but unfortunately am now rushing out again !

Basically I supplied Budgie with two sets of figures, from two spreadsheets, that I had 'originally' sent to N/W by means of charge claims.

Budgie asked me to re-do these in the format I have now supplied you - I spent hours and hours compiling this document.

I'm sure Budgie had his reasons which is why I was really hoping he'd have been able to revert. I appreciate he's very busy at work now but I'm at a bit of a sticking point, it seems.

I'm really not sure what to do next andits now Shoosmiths as well as Irwin's who're looking like beginning proceedings.............

I will have to revert, in answer to your questions as the approx. 10 years of statements have now been filed back in the loft !

Thanks for all your help........

Kindest regards,

R

[Amethyst]

Re: Court Claim Help Please - Natwest / Irwin Mitchell

Okay, if you have included all the interest charged on the account and monthly account fees they have to come off.

Leaves ...

Charges £ 789.00 (theres quite a few refunds on it too which have come off the total)

Stat interest £386.17

Which yes is bad news, and I'll try get hold of budgie see what his thinking was.