veilside01702 vs Nutwest *** WON ***

[veilside01702]

Sent letters asking for charges back....Nutwest reply was "were passing your details to our legal team!"
So I filled in N1 form, submitted evidence and filed!
Got offer after a while for amount and costs, but has gagging order attached. As well as threat that if I don't accept this 'Gesture of goodwill' Nutwest will change my account to a basic one!
I rejected this offer and politely told Cobbetts where to place the offending offer....lol
Hearing date is 27th June....
So just getting ready for that now....

[Fendyweather]

Veilside, this is preliminary hearing yes ???? Not actual trial hearing ???

Fendy xxx

[veilside01702]

First hearing....adjudication me thinks???
Getting ahead of myself????
lol.....
Just realised I might be getting info not needed yet....lol
What will I need for first hearing??

[Fendyweather]

Well just remember really the whole basis of what you are trying to prove.

a) the fees are actual penalties for breaches of contract, and NOT SERVICE FEES
If you can prove that one, youre basically home and dry.

Plenty of paperwork and other cases etc. to quote to prove that point me thinks.

Fendy xxxx

[veilside01702]

News flash........lol
Cobbetts called late friday afternoon and spoke to my fiancee...
They told her that they Urgently needed to speak to me to discuss an out of court settlement??
Strangely I had spoken to someone at the court yesterday who told me the judge was fuming over the letter that I had received threatening to change or close my nutwest account if I didn't accept their Goodwill Gesture.......
Just wondering if I should ask them for costs for ink, postage and £9.50 an hour for working on paperwork?
Also compensation for the failure to fulfill my SAR's request...any idea how much to ask for??.......lol
I also am going to ask for charges plus interest at unarranged borrowing rate 29.6%.....lol
All opinions greatly received........lol

[Nattie]

veilside hold the unarranged borrowing rate bit because you would be shooting yourself in the foot as the ubr rate was higher at one point. How long have you got?

[veilside01702]

Just had call from natwest collections dept......
They want me to pay them outstanding balance on overdraft as it has been pushed over the agreed amount by their own charges....lol
I told them to put this in writing......and that they owe themselves the money in charges....lol
The woman I spoke to was very rude and abrupt.....lol
looks like they are going to try and submit legal proceedings to recover what they owe themselves.....lol
advice on this would be appreciated again......lol

[Fendyweather]

Natties your man.................... work that wonder stuff Nattie. xxxx

[veilside01702]

hi nattie.....hearing is on 27th june.....
But court is now looking at prosecuting cobblers and nutty as well for the letters they sent out.....lol
Also got them on the SAR's failure....lol
Just not sure what to ask for for costs and compensation???
any idea's.....

[Nattie]

I think account is in dispute letter will do. When will they learn?

[veilside01702]

Also nattie....
what do I do about the collections lot chasing me for the £257 over my overdraft limit??
This is yet more charges added to my account....

[Nattie]

tell them about your claim for charges and that when it is dealt with they will get their money

[veilside01702]

I rang and told them, they made note on the system....but the guy said it was a different dept and they don't work together.....lol
So am putting account in dispute letter together for monday posting....lol
He said they were going to default stage.....lol
yet another thing to take to court with me.....lol
As my overdrawn balance is less than they will pay me in charges and interest.....lol
and it is over the overdarft limit due to their charges being added.....lol

[Nattie]

if you put in a letter stating the account is in dispute they cannot put the account in default. I have read a few cases where they have held the account for 28 days with no action until the issues of court action has been dealt with.

[veilside01702]

Just doing letter now nattie....lol
Have also added reminder that they are about 20 days over SAR's 40 days.....
and that they took my benefit in penalty charges for 3 years.....lol
They also keep calling me and asking for my first name and not disclosing who they are!
oopppsss.....lol