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Dayglo v Natwest Mortgages ***SETTLED IN FULL***


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having just completed my first MCOL - a question struck me, there was nowhere to attach my schedule of charges. if I was doing an offline direct to the court claim I would have attached my spreadsheet printout to the form, you can't do that online, does it matter?

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well there's a thing - I've only gone and won!

 

letter of apology from Natwest - "sorry you felt you had to take matters to court" and "please accept our offer of settlement in full!!!" "no liability admitted" - yeah right!

as soon as the cheque clears - donation on it's way!

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CONGRATULATIONS!!!!!!!

 

Wow that was quick!

 

From what I've read about Natwest with the bank charges they drag things right through defence and allocation questionnaire stage. Its great to watch them cave in so quick.

 

 

Well done!

 

Enjoy your winnings

 

Zoot

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That is fantastic news - delighted for you :)

 

Things are looking good on the ERC front.

 

(Will also ask a mod to amend title)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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the really funny thing about this is the tone of the letter...

 

it says "please urgently send your acceptance as Natwest have only 14 days to respond to court!" - yeah I know, I'm suing you remember?

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the really funny thing about this is the tone of the letter...

 

it says "please urgently send your acceptance as NatWest have only 14 days to respond to court!" - yeah I know, I'm suing you remember?

 

Fantastic - thats three in a fortnight.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Three?

 

No doubt they'll be picking up in rate very soon judging by the flood of claims. It will be like watching dominoes fall. lol

 

Is it not 3 successe from here - yourself, dashgnail and now dayglo

Consumer Health Forums - where you can discuss any health or relationship matters.

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Congratulations dayglo.

 

Would you mind letting us know the timescales involved with your ERC? How long were into the mortgage / from the end of the ERC period?

 

Did they have a sliding scale in place?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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ok - I don't have all the info to hand - but this is what i do have.

we were on a 2 years into a 5 year fixed rate of 6.59% due to finish 31/01/2009

There was a sliding scale - at 2 years the penalty was 2% (I think)

 

In terms of letter responses, I can't believe how quick NW responded. (I am taking action seperatly against them for removal of a default and non-compliance with an S.A.R so i don't know if that has made any difference)

 

I received a response to my LBA on the 4th September stating "this is our final response, sorry you will be disapointed etc.)

 

I filed a claim online on the 5th September

 

letter dated 8th September arrives on the 12th September stating "goodwill gesture etc. please accept our offer in full of 2k including court costs"

 

easy peasy lemon squeasy.

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just had a phone call from them - "we're not sure sending a cheque will clear in time for us to allow you to inform the court that we have settled in time - please send us your a/c details and we will send a CHAPS payment either today or tomorrow!"

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just had a phone call from them - "we're not sure sending a cheque will clear in time for us to allow you to inform the court that we have settled in time - please send us your a/c details and we will send a CHAPS payment either today or tomorrow!"

 

They are unbelievably eager - well done.

Consumer Health Forums - where you can discuss any health or relationship matters.

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