To Natwest Bank Forum

[seacalypso]

Hi fellow Natwest claimers!

 

This is my first post on this site. I've been reading the forum posts over the past few weeks and now think it's time I posted for advice!

My partner has just received her Defence from Cobbetts (Natwest's Solicitors) to her Small Claims. She's claiming £1,771.00 for charges plus £460.67 interest - a total of £2,231.67. I'm also claiming £1,163.28 (including interest) from Abbey but I'll use the Abbey Forum for any future advice. I've also received my Defence from Abbey but doesn't seem so complicated - it's only got 2 pages! We both haven't received our AQ from the Court yet.

The Natwest Defence appears to be the standard 6 page one - is there anything that we should look out for that is likely to catch us out? My partners also received a Request for Further Info from Cobbetts asking for further details by 15 May under CRP Part 18. I read elsewhere on the Natwest Forum that this is just a delaying tactic by Natwest - is this true? And do we have to provide all the details their asking for? If so, please can anyone direct me to a template for a suitable reply? And what details should we have to provide?

One other thing (sorry to go on!), when we both submitted our Particulars of Claim to the Court (based on Martin Lewis's MSE template on his site), the MCOL site didn't appear to allow us enough space to add more detail. So will these original versions have to be expanded with more detail- and are there any templates available to use?

We would be grateful for any advice now it's getting all 'legal'.

Many thanks for your help in advance

Best Wishes and Good Luck to all who read this and who are still going through the claims process.

Seacalypso

Solely Represented by Messrs "Sue, Grabbit and Runn" (Solicitors)

(Usual Terms and Conditions Apply)

[fendyweather]

The usual cobblers from cobblers. You dont have to reply to the CPR 18, basically send them a letter saying that you dont need to, unless the court specifically asks for it. Heres where you can find most of what you are looking for...................... dont be intimidated. Thats the main thing. The cobblers will try every tactic in the book to delay, so just play the game, but dont answer anything they ask for, unless the court says to do so............. You shouldnt have to expand your POC again, unless the court asks you to do so. Just because Cobbetts say you havent particularised your claim properly doesnt mean you have to take any notice of them. The main basis for your claim is the spreadsheet showing all your itemised charges on it. So long as Cobbetts and court have had that youre ok.

 

Anything youre not sure of, just pop in and ask, but most of you need is here. If Ive missed anything at all. Just pop back and ask. All the best

 

Fendy xxxx

 

POC DETAILS.

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=36&Itemid=78

 

OTHER USEFUL INFO. http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=35&Itemid=78

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/55874-letter-court-re-cpr18.html

 

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/69359-cant-find-what-youre.html

 

THERE, EVERYTHING COVERED I THINK. THAT SHOULD HELP. But do take the time to read read read. Its so worth it. Fendy xxx

[seacalypso]

Many thanks Fendy for getting back to me so quick.

I'll follow your advice and also use the template by Martin3030. I saw this one when I was reading through the Natwest posts last week.

Presumably once they recieve this it shuts them up - and also proves that we mean business. Also I assumed that the Court should be dictating how things should progress and what we should disclose.

 

I'll send this letter off soon plus other template letter under ED1237 to the Court and then see what happens then post again.

 

Once again many thanks for your advice

 

Best Regards

 

Seacalypso

[seacalypso]

We've received an offer from Natwest yesterday (3 May) for £1,700 from their Customer Relations Team in Borehamwood Herts (just a day after the defence was sent out by Cobbetts - wonder if it was timed that way!?) which we're going to accept subject to them paying the court costs of £120 and sending us a cheque instead of direct payment into the account. I've been told that his is best in case they close the account plus we decide what to do with our winnings, not Natwest!

 

Is it ok to set a deadline for the cheque say 7 days to put pressure on them?? Any traps to look out for?? Will head letter "without prejudice".

 

Suprised about the size of the offer. I know we could have gone on for the whole lot but we decided to go for this amount which is what they took from my partner in the first place without the interest. Must admit we were tempted though!

 

Will keep posting until money received.

 

Seacalypso

[bobflemming]

I wouldnt accept it. Your letting them off. You only have a few weeks to go before you can get the lot.

[hellhasnofury]

I wouldnt accept it. Your letting them off. You only have a few weeks to go before you can get the lot.

 

I agree, they are only giving you what they have taken from you. and what about your court costs? £120. You are fortunate if you can afford to throw it away. Not to mention the fact that they are wasting every body's time and money. The courts are jammed full of court cases for bank charges. It is a scandalous abuse of the court systems, because they will pay you it all back for fear they have to disclose their true costs in the court. I can be a lengthy process, but patience pays out:grin:

 

I would send them back a letter saying thank you for your offer I am prepared to accept it as part settlement but will be pursuing the rest via the court.

 

The decision is entirely up to you, but you are so near to getting all of your money back

[cumbria123]

I agree, go for it all, it`s your money. You wouldn`t write out a cheque for £500 and give it to the bank, would you ?

[Guest NATTIE]

I should say that the response from customer relations unit was a coincidence, as you know they are not writing back within the timescale so you will always file prior to receiving a letter with a full refund offer from them.

[fendyweather]

Look at the end of the day the decision has to be yours. Personally I would continue with court and go the whole hog, but it will take longer to get your money. It depends if you are up for the fight or not. If you need the money quickly, then nobody can judge you, and nobody will think any worse of you, but I have to say if I were in your shoes, I would continue onward for the lot.................. But whatever you decide, its your decision and you have to make it alone................... we are all right behind you to help see it through to the end if you decide to see it through court, but YOU HAVE TO DO WHAT IS RIGHT FOR YOU. Go with your gut instincts and you decide. All the very best, whatever your decision. Fendy xxx