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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Craig Verses NatWest Bank**WON**


Scoodle
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Hey everyone - update time.

 

I filed my claim via MCol on 20th November.

 

Natwest acknowledged my claim on 29th November stating that they intend to fully defend all of the claim.

 

This gives them until 18th December to put in their defence so I guess I just have to wait now until I hear anything more.

 

Am I right in thinking the next step will be getting an allocation questionaire through?

 

Cheers, Craig

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Yep, AQ will arrive, probably just after 18th.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Thanks Deller1

 

Also - I was reading round on the site the other day. Am I also right in thinking I will have to pay £100 when I get the AQ?

 

If so this might delay things for me as I've already had to pay £250 to file the claim in the first place and another £100 is going to be pretty steep at this time of year. Guess I'll just bite the bullet and pay it. I just have to accept I'm broke until NatWest finally pay up!

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When you receive the AQ their will be a date that it must be submitted by, you could always leave it as long as possible so that you get a chance to save up the £100, you never know, you might have been paid out by then!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 2 weeks later...

Getting quite nervous now...

 

NatWest have until the 18th to file a defence which is only 4 days away. If only they would just forget so I can win by default! That would be rather marvellous!

 

I've received nothing at all from Cobbetts or NatWest since I filed my claim - that's usual, right?

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Let's put it this, it's not unusual to not have recieved anything from Cobs or NW, so don't go thinking you're missing out.

 

I can't see them missing the deadline, but anything is possible I suppose. I expect they'll get their defence in on the deadline, or even a day late, which the court will allow. The AQ will then follow.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 2 weeks later...

Hey guys,

 

hope everyone's been having a great break over Christmas.

 

I spoke to the court on the 19th and was informed that Natwest had until December 28th to file a defence. Not sure how they arrived at that date but who am I to argue.

 

Anyway, I received the defence from Cobbetts and CPR-18 request for further information on 23rd December (Merry Christmas!) requesting a response by 5th January.

 

I will send a schedule of charges (which Cobbetts, as usual, claim not to have seen) and a letter. Re. The CPR-18 request. My claim is for over £5000 so what do I say? Just that I feel I've given sufficient information to make clear my case and then accuse them of intimidation?

 

Also - should I address this to the court, and just CC Cobbetts? Or address Cobbetts and CC the court? Don't know if it makes any difference...

 

Getting into the scary bit now so just want to ensure I don't set a single foot wrong. All help and words of encouragement appreciated!

 

Thanks, Craig

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OK!

 

BIZARRE UPDATE!!!!!!

 

I just logged into MoneyClaim to check whether the court had received NatWest's defence and whether it was showing up on there.

 

There was no record of defence having been received, and just because I was curious, I clicked on "Request judgement by Default"

 

Before when I clicked on this button, it just said that I couldn't request judgemnt by default at that time. However, when I clicked on it today, I was allowed to complete the process and request judgement by default!

 

Has this happened to anyone else? Having received the defence from Cobbetts, I'd be amazed if they hadn't got it to the court in time... but if the court had received it, why did the site allow me to request judgement?

 

Very curious...

 

Anyway, the request apparently gets dealt with by the court tomorrow morning at 10am before being validated so WISH ME LUCK!

 

Craig

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  • 3 weeks later...

Hey everyone,

 

just checking in again to keep you all updated. Well, MCOL didn't allow me to request judgement by default in the end - NatWest's defence had been received but not dealt with by the court so my case is proceeding as normal.

 

My AQ is due in to Lambeth County Court tomorrow (16th Jan) but I am sending a letter to the Court Manager by registered delivery requesting an extension as I can't afford to pay the £100 fee until the end of the month. I spoke to them on the phone and htey assured me if they have the request in writing then my case won't be thrown out.

 

The most interesting (and exciting) development came yesterday when I got home from a weekend away to a letter from Cobbetts offering me £3,600 as a goodwill gesture payment. Totally standard letter, accepting no liability etc etc.

 

I have to say, it's incredibly tempting to accept it, as £3,600 is a lot of money, but having read through all the posts on here, I'm sticking to my guns and continuing with my case until I receive an offer for the full amount which, with interest and court fees, is just over £7,000.

 

I must admit it's pretty nerve-wracking turning down and offer of £3,600, all of which is money I never expected to be returned to me, so wish me luck. Hopefully the end is now very near!

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  • 1 month later...

Hey everyone.

 

Well - my time has finally come! I received a cheque in the post today (23 February) for the full amount of £7339.01!

 

Donation will be on its way when the cheque has cleared.

 

The cheque is actually dated 07/02 so there's obviously quite a backlog of cases that they're finishing at the moment.

 

Completely standard letter, even going as far as to talk of future charges applied to my account, despite the fact that I haven't banked with NatWest for several years! The cheque actually states to be paid into my old account number, but I will try paying this into my current HSBC account and see if it works.

 

I can't tell you how incredible this forum has been, there's no way I would have had the nerve to complete this process without the advice and support provided here.

 

The amount that I have claimed back is large in comparison to most which was a constant source of worry to me but this case is proof beyond all doubt that the banks are operating unlawfully and anyone thinking about starting this process should not hesitate in doing so.

 

To everyone currently claiming / thinking about starting a claim - don't be scared. Just follow the advice of this website and you will have your money in good time.

 

Thanks again to everyone, and can a moderator please move this into the NatWest successes folder please?

 

Craig

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Brilliant and well done for holding your nerve. Fortune favours the Brave . :cool:

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Congratulations Scoodle, enjoy the dosh. :D

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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well done scoodie - congratulations

 

sp

NatWest CLAIM

3.02.07 - S.A.R (Subject Access Request) sent to NatWest

06.02.07 - RM confirm S.A.R - (Subject Access Request) delivered

13.02.07 - Acknowledgement letter received from NatWest

14.02.07 - 6 years worth statements arrived

21.02.07 - prelim sent - 22.02.07 - RM confirm prelim delivered

09.03.07 - L.B.A. sent recorded delvery - 12.03.07. Rm confirm delivery

15.03.07 - Offer received (dated 07.03.07)

 

LLOYDS TSB CLAIM

12.02.07 - S.A.R. sent recorded delivery

22.02.07 - recorded delivery still not delivered!

15.03.07 - first lot of statements received

17.03.07 - 40 envelopes received!!

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