Northern Rock ** WON **

[coppertop]

Any one had any dealings with Northern Rock? I sent my first letter off, and apart from them cashing the cheque, I have heard nothing. The 40 days are up 03 March, so I'll be on the ball with the follow up

[sunshine star]

Call Geraldine Lowry on 0191 2794162. She works in the DPA Team and has been really good with me.

Best of luck

[coppertop]

Hi, thanks for the name and telephone number for Northern Rock, I'll ring in the morning and see if I can get to speak to her. Cheers

[coppertop]

I rang Northern Rock today, but didn't get to speak to Geraldine. The lad I spoke to advised that an acknowledgement letter had been issued 25 January (it must of gone pigeon post as it hasn't been received). He then went on to advise that they had 40 days to supply the documentation. However, he decided he would get something in the post straight away when I told him the 40 days lapses on 03 March (this Saturday)! We'll have to see what arrives. Watch this space ........

[noomill060]

Have a look at other NR threads- they are not the straightest of players.

[coppertop]

Thanks for that infor noomill060, have read some of the other NR threads and looks like I could be in for some difficult arguments - however, I must admit, I do NOT give in easily!!!!!!!!!!!

[sunshine star]

When Northern Rock realised that they had surpassed the 40 days with me (i sent a letter advising them of court action) I had Geraldine on the phone every day assuring me they were retrieving all the information and even phoned the day after she sent it to check I'd received it. Don't know what they'll be like when I start asking for money back though!

[coppertop]

I have my letter already typed out and ready to be send off on Saturday if nothing arrives. It'll be interested to see what their reaction is when I start asking for refunds. In comparison Northern Rock is still a relatively small bank in comparison to Barclays, etc. When it suits them they still have this 'building society' banner over them. However, we will not be fooled!

[noomill060]

Have a read of these. Fore warned is fore armed.

 

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/61255-northern-rock-ask-set.html

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/12055-help-aggressive-response-northern.html

[coppertop]

Sent my 7 days letter and received a copy of the charges after 5 days but referring to the date of my 1st letter!!!!!!!!!! Replied by return of post for a refund of the charges, so lets see? Reading other threads they seem a little bit threatening.

[coppertop]

Received the 'standard' letter back from Northern Rock giving all the usual nonsense. I'll wait for the 14 days to expire (next week) and then they will be a LBA.

[rscottw]

im two days from judgement by default

[coppertop]

Good Luck rscottw, let's hope you get all your money back, keep us posted.

[rscottw]

will do 1100

robbing gits

[rscottw]

beat the banker

northern rock settled in full

1016.00

:)

[coppertop]

Congratulations. It's off to the Bigg Market for a 'light' refreshment then.

Hope I get the same response from them.

[coppertop]

Another letter received from Northern Rock to advise the case is now in the hands of the legal department and they will let me know!

[coppertop]

HELP - Letter from L Matthews, Manager of Northern Rock, stating

that the current account charges are entirely lawful and they are not an "illegal penalty" and nor are they unfair and unenforeable.

 

Your letter makes reference to a regime of fees that is "unlawful at Common Law, Statute and recent Consumer regulations” Without identifying the common law, state or consumer regulations or, more particularly m the specific sections of statutes or regulations your seek to rely on. You should also specify any conduct on the part of Northern Rock plc that you consider has been unlawful or has not complied with UK law. For the avoidance of any confusion, in this context Northern Rock plc has only ever acted as your current account provider and not in any way as your personal banking service provider or indeed any other position that might be considered to place it in the position of your fiduciary.

 

She also says that I must disclose reasonable grounds for bringing a claim against them, and if such a claim is issued, that it would have any prospect of success. In the event that proceedings are issued without having provided a substantive response to the legal issues, Northern Rock reserves the right to bring such failure to respond and the content of letters to the attention of the court in relation to its costs.

 

To date, I have issued the DPA letter, followed by a letter as I did not get a response within 40 days, then a letter after I got my list of charges asking for money back. My last letter I sent was the LBA.

 

Any suggestions - please

[noomill060]

Which charges have you told them you want back?

[coppertop]

I have asked for unpaid direct debit chargees, unpaid cheque charge and unauthorised overdraft charges.

[noomill060]

As you have sent your LBA, just stick to your own timetable and start your small claim action and let defend their corner if they want to.

 

You dont need their permission to take them to court.

 

The mention of costs is total nonsense designed to try and scare you. In a small claim there are no costs, apart from the court fee, which you pay upfront and add to the amount you are claiming from the defendant.

[noomill060]

Dont get into a letter writing duel with them, they are trying to delay you making your legal action and dance to their tune by tying you up in knots.

 

Once they get notice of your claim from the court, they will have to either respond or lose by default.

[coppertop]

Hi noomill060, thanks for your advise. Letter from Northern Rock was a little off-putting, and just needed to know I was going in the right direction. Will let you know of outcome.

[rscottw]

coppertop they sent all the same letters to me just bully tactics i won 2 days before there defence was due paid in full and by cheque so they didnt even take my overdraft back

[coppertop]

Thanks for your reply rscottw, I'll get the next stage sorted, and hope things go ok. They are just big bullies at the end of the day!