Northern Rock ** WON **

[pf149]

I have gathered from similar threads that my first letter was the same as someone elses and most probably yours too.

The second one states they "remain satisfied with their position", and they go on about Northern Rock being your current account provider and nothing else.

It goes on to say they will be willing to "consider the common law etc they have breached if I could identify the specifics."

Later on it asks for me to "provide substantive response to the legal points raised", and adds if I should choose not to then they reserve the right to inform the court of this.

They state that they "do not beleive my complaint represents reasonable grounds for bringing a claim and that any claim would be unlikely to succeed."

[coppertop]

Hi, when I've checked I've destroyed all the copy letters that I sent to Northern Rock, but I have found 1 with this section in.

 

The Term permitting the Defendant to levy such charges is unenforceable under the

Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977

and at Common Law.

The claimant contends that it does not cost the defendant £20 or £30, or anything

remotely close, to refuse to pay a direct debit request which is an automated procedure

that involves no human intervention. The defendants computer system simply

refuses the request and the matter is ended. Similarly, the claimant contends that it

does not cost the defendant £20 or £30 to refuse payment of a cheque as this is also an

automated procedure in almost all cases. The claimant has previously been told that the

actual cheque which is presented for payment is not physically returned to the defendant

itself unless it is made out for a value exceeding £5,000.

I don't know if it's worth going along that type of line for a reply. They did say they were going to get the claim dismissed by the courts but it never came to that. Unless your claim is really large I can see them making you an offer before it actually goes to court.

Good luck

[coppertop]

************* Oops, sorry, don't know what happen there!!!!!!!!!