This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Yes,its great to get our money back! I got knocked back at the last day at each stage,so these letters Nat sends to you ARE NOT PERSONAL..take them with a pinch of salt!! Keep to scheduals Don´t talk to ANYONE..just letters to respond!! If we can do it..so can you!! 2,730.00 back in my account when the cheque clears

Just to update,I´m living in spain looking for work here. I recieved a 50% settlement offer from Cobbitts,this i turned down,saying i would accept this only as part payment to a full settlement. On monday I received a cheque for all my claim plus court fees and 8% interest. Thank you everyone on here for your support,Lynne,Rob and all the Moderators I GOT PAID (Cheque to clear in 10 days)(will make donation asap) Keep at it..you´ll get paid too!!!

Hi mate,I had their AQ on the last day too!they love dragging things out..this is to make others think twice before they make a claim...dont know what happens next? I guess a court date!!

Hi Lynne,Ive been looking for work in spain,logged on at a friends house now.. Cobbetts very quiet but now have a local court in cumbria to take my claim.Cobbetts are DEFENDING...LETS SEE IF THEY ARE ..? maybe they will have a breakdown of their charges to show the court! keep going!!

Hello all,Ive now received a local court to continue my fight,Cobbitts have said they will DEFEND this case...ok..bring it in !!!!!!!!!!!!!!!! hope they can reply on how their charges are made up!!!

got to be out ofmy house in 12 mins..maybe check mails through internet cafe! good luck...im still going for it!!!!

> Well,thats good news eh?? lets hope they keep to their word..and we all get back these disgraceful penalty charges Tim

Im no expert here..but im sure that i'd read on here somewhere,that if it court action has not been resolved..they cant shut down the account??!!

Ive just sent an email to northampton cc,to say Ive not had my AQ form but Ive replied directly to cobbitts... ...still waiting for something from them..they have paid out a couple of people 7 days behind me,Rob,Lynne etc...no idea why??...I have to be out of my house by friday,so im stuck!! ...seems like Nat west are in control now!!!!cant we push them along?? although...they are/will be paying interest on £2700 at 8% if i win my claim. I wondered if we could charge a more realistic (bank speak) charge in interest like 29.99% and a late fee(naturally)

Here is the reply from cobbitts,this seems to be another standard reply.Asking for account details(they are written TWICE on the letter) and wanting details of each charge(but thanks me for the schedule of charges??) ..anyhow..It is for the court to decide whether to ask me for further infomation not Cobbetts. ----------------------------------------------------------------------------- We refer to your letter dated 6th July and thank you for your schedule of charges(the letter i sent regarding the CPR part 18 request detailed in message 8 ) We note yout comments on out request for further information. Please note that part 27.2(1)(f) applies subject to paragraph 3 of part 27.2, which states that the court of its own initiative may orser a party to provide further information if it considers it appropriate to do so. It is our client's contention that your particulars of claim do not properly particularise your claim. for example, our client cannot properly defend a claim where you have not given your account details and the details of each charge you claim is disproportionate and unreasonable. The court is bound by an overriding objective to deal with cases justly and ensure that parties are on an equal footing. it is clearly the case that our client cannot respond to your claim where you have not provided sufficient particulars. Our client objects to you allegation the the request is intimidating. Accordingly, on allocation of this matter, we will be suggesting that the case management directions cannot be proposed until you serve a full and detailed reply to out request.

Hi Rob,Ive had word for word same letter this afternoon...from cobbitts oh..it says thank you for your schedule of charges...the only difference! it says..i have not given account details..actually ive given them TWICE on my letter...so..looks like another standard **** off from them!!(sounds like ronnie cobbitt and its p off from me as well ) [MODERATED: Mind your language please]

Im still waiting for the AQ form,although i wrote the letter above to cobbetts it says i must reply to it by 11th july.Do i need to tell Northampton cc ive not received it yet?Time seems to be running out!

Or does it go back to Northampton? (Or cobbets for that matter!)> Ive asked this question but no one has replied as yet! I think (?) that it now goes to your local court and i was waiting to hear from them as ive said..Ive not had this beige form!

Did anyone else have a beige form to fill in??I never had one so...This is my letter to cobbitts sent by post today 6th july 2006 my address date ****** ***** ***** Nat West Account: ******** Sort code: ******** Northampton County Court Claim No :****** Between ****** (claimant) and National Westminster Bank PLC (defendant) Dear Sir or Madam: I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc. I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request. Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account: Account Name: ******* Account number: Nat West Account:****** Please also find enclosed a breakdown of all charges I am claiming *********Breakdown of charges here************************* Plus Interest Calculated from date of court issue 31/05/06 to 04/07/06 at £18.56 at 8% plus court fees £120.00 Total Amount claimed to date 04/07/06 (ongoing at 8%) £2748.52 My name *****

Rob,does it say CPR Part 18 on the form from cobbetts?? mine did but i havent any beige or any response form to fill in!! Anyhow this is a copy of my letter to cobbitts (just sent by post 6th july 2006) ______________________________________________________________________ address date ****** ***** ***** Nat West Account: ******** Sort code: ******** Northampton County Court Claim No :****** Between ****** (claimant) and National Westminster Bank PLC (defendant) Dear Sir or Madam: I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc. I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request. Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account: Account Name: ******* Account number: Nat West Account:****** Please also find enclosed a breakdown of all charges I am claiming *********Breakdown of charges here************************* Plus Interest Calculated from date of court issue 31/05/06 to 04/07/06 at £18.56 at 8% plus court fees £120.00 Total Amount claimed to date 04/07/06 (ongoing at 8%) £2748.52 (my claim) your name *****

Hi Lynne,there 's about 4 of us at this stage in our claim,Cobbetts will have sent you the same doc as us.Turn the last page back(crafty) on itself...does it say? claiment **** and defendant NWB CPR PART 18 REQUEST Part 18 does not apply to the small claims track.(CLAIMS UNDER £5,000) Barracad says There is no need to respond to part 18 requests other than to point out that you consider that the inquiry is intimidatory as part 18 is excluded and that you intend to bring the intimidation to the notice of the court.> hopefully you will get your money back soon Tim

Hi Lynne,there 's about 4 of us at this stage in our claim,Cobbetts will have sent you the same doc as us.Turn the last page back(crafty) on itself...does it say? claiment **** and defendant NWB CPR PART 18 REQUEST Part 18 does not apply to the small claims track.(CLAIMS UNDER £5,000) Barracad says There is no need to respond to part 18 requests other than to point out that you consider that the inquiry is intimidatory as part 18 is excluded and that you intend to bring the intimidation to the notice of the court.> hopefully you will get your money back soon Tim

Hi Rob,there 's about 4 of us at this stage in our claim,Cobbetts will have sent you the same doc as us.Turn the last page back(crafty) on itself...does it say? claiment **** an defendant NWB CPR PART 18 REQUEST Part 18 does not apply to the small claims track.(CLAIMS UNDER £5,000) Barracad says There is no need to respond to part 18 requests other than to point out that you consider that the inquiry is intimidatory as part 18 is excluded and that you intend to bring the intimidation to the notice of the court.> hopefully you will get your money back soon Tim

HI mate,dont worry,I couldnt download excel to my computer either..pulled my hair out in frustration..now i'm in the last days of my claim and giving advice myself:) this is what i did!!!!!! There is an online interest calculator on here,dead easy to use..no downloads etc when you log on..under the banner "make a donation"...a calculator at 8% instead of clicking on "foram" go past homepage..to the right of the screen down...down... about 7 circles.... like this 0 you'll see Online interest calculator this is how i did all my sums:) hope this helps Tim

to Laffar: I dont see this as agressive..but..willing to change it to: Thank you for your CPR part 18 Request,I hope you realise that this is only applicable to claims over £5,000. and I am not bound by it.As a goodwill gesture I will state my actions and claims against the unjust charges taken out of my account by Nat West Bank

hi ard guy!! Thanks for yer mail...Timinio here..same letters as you from "ronney" cobbetts blar blar ... cobbetts asking for further details ,even stuff like what costs am i claiming and why?????(sent letters to nat west claiming refunds dont they read these things???!!!)and sending a reply with a CPR Part 18 Request,when this is only applicable on claims over £5,000 im thinking of sending this: Letter to Cobbetts (would like advice please) Northampton County Court Claim No xxxx Between xxxx (claimant) and National Westminster Bank PLC (defendant) Dear Sir or Madam: I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc.I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court.However, for clarity, I confirm the charges I am claiming were applied to the following account: Account Namexxx Account number: Nat West Account: xxxx Sort Codexxx Please also find enclosed a breakdown of all charges I am claiming. xxxxxxxxxxxxxx(breakdown of charges)xxxxxxxxxxxxxxxxxx Interest Calculated 8% APR To Date:15/5/06 Totals: £2462.00 plus interest of £147.96 £2609.96 ---------------------------------------------------------------------------------------------------------- Interest Calculated from date of court issue 31/05/06 to 04/07/06 at £18.56 at 8% plus court fees £120.00 Total Amount claimed to date 04/07/06 (ongoing at 8%) £2748.52 My claim: I am asking Nat West Bank to refund to me the charges that they have levied from my account over the last 3 years I now understand that the regime of fees which Nat West have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. If Nat West say that they are not then will they please demonstrate this by letting me have a full breakdown of the costs to which they have been put by as a result of my breaches in order to reassure me that their penalties really do reflect their true costs. Additionally it has now been confirmed that these particularly high level of penalties are considered to be unfair by the OFT whose report that has been in preparation for nearly two years and concluded on the 5th April 2006.In the report the OFT criticised the unfair current level of bank charges under the Unfair Terms in the Consumer Contracts Regulations 1999. and therefore presumed to be unlawful in the absence of specific proof to the contrary. signed xxxx

Letter to Cobbetts (would like advice please) Northampton County Court Claim No :xxxxx Between xxxx (claimant) and National Westminster Bank PLC (defendant) Dear Sir or Madam: I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc.I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court.However, for clarity, I confirm the charges I am claiming were applied to the following account: Account Name:xxxx Account number: Nat West Account: xxxx Sort Code:xxxx Please also find enclosed a breakdown of all charges I am claiming. xxxxxxxxxxxxxx(breakdown of charges)xxxxxxxxxxxxxxxxxx Interest Calculated 8% APR To Date:15/5/06 Totals: £2462.00 plus interest of £147.96 £2609.96 ---------------------------------------------------------------------------------------------------------- Interest Calculated from date of court issue 31/05/06 to 04/07/06 at £18.56 at 8% plus court fees £120.00 Total Amount claimed to date 04/07/06 (ongoing at 8%) £2748.52 My claim: I am asking Nat West Bank to refund to me the charges that they have levied from my account over the last 3 years I now understand that the regime of fees which Nat West have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. If Nat West say that they are not then will they please demonstrate this by letting me have a full breakdown of the costs to which they have been put by as a result of my breaches in order to reassure me that their penalties really do reflect their true costs. Additionally it has now been confirmed that these particularly high level of penalties are considered to be unfair by the OFT whose report that has been in preparation for nearly two years and concluded on the 5th April 2006.In the report the OFT criticised the unfair current level of bank charges under the Unfair Terms in the Consumer Contracts Regulations 1999. and therefore presumed to be unlawful in the absence of specific proof to the contrary. signed xxxx

Couldn't say but if the email gets lost? it may knock out all your timescales/deadlines etc? IMHO I'd let things run as they are.