Hello Claiming £1300.. kx

Yes. I thought I must have bought something from ebay.. Or a letter bomb. I wonder if those lovely brown envelopes are a cost cutting measure.. I'm sure they must have spent more on legal costs covering my case than what I am claiming.. Just out of principle I will change my bank account once this is all over, but any high street bank must be exactly the same no?

It's crazy how they seem to settle some large claims (much larger than mine) without going as far as they are going with me. I'm confident that I will get my money back, but I have really had to go the whole way with them sending their CPR18 requests, and me writing to the court to say that I found their tactics intimidatory etc. Oh well.

It's strange, but in my initial letter to natwest, I said that I expected them to send me a list of all charges applied to my account within 14 days, and I recieved 2 copies of my statements going back to when I opened my account about a week later... Without being charged anything...

Thank you all so much for your speedy replies! Just send of the AQ and my response to the CPR18 to Cobbles and the court. This forum is amazing.. Don't know what I would do without it Thanks again! kx

Hello, I know this whole thing is pretty standard procedure these days, but I have just recieved my CPR18 and have absolutely no idea how to respond. I'm not even entirely sure what is being requested of me. The letter is below, just incase it is different to other CPR18's that are being bandied around by Cobbles are the moment. They are clearly using intimidation tactics, and I would like to know what the best way to respond is. Anyone who can help will really be doing a great deal to ease the bewilderment I am currently feeling.. Any links to other responses to similar letters would be great also. "The Request 1. In your claim you state: "The Defendant applied numerous default charges to the Claimant's bank account". 2. Please provide the following particulars in support of your claim: 2.1 In relation to each charge please identify (a) the date when the charge was charged; (b) the amount of the same; and © the reason(s) given for the charging of the same. 2.2 In relation to each charge, please clarify the following: (a) is it the case of the Claimant the same should not have been charged? (b) If yes; please explain why the Claimant contends that the same should not have been charged? © If no; is it the case of the Claimant that the same should not have been charged in this amount? (d) If yes; please explain why the Claimant contends that the same should not have been charged in this amount and identify the sum the Claimant contends should have been charged. (e) If no; please state the Claimant's case. 3. In your claim you state that "the charges are an unlawful, extravagant penalty". 4. Please provide the following particulars in support of your claim: 4.1 Please specify the clause(s) pursuant to which the charges were applied; 4.2 Please specify whether the charges applied were due to a breach of contract by the Claimant; 4.3 Please identify in each case the particular breach of contract (by reference to appropriate term(s) of the contract) that the charge related to. 5. In your claim you state that the charges are: "contrary to the Unfair Terms in Consumer Contracts Regulations 1999". 6. Please specify all of the fact relied on by the Claimant in support of the contentions in paragraph 5 above, and in particular please identify the contractual provision(s) that the Claimant alleges are invalid by reference to the Regulations." So, that's it! I understand the bit about providing the detailed schedule of charges applied to my account (which I have prepared already)... The other jargon. No idea. Anyway Thank you! Kyle x