Weymouthuk -v- Nat West

[weymouthuk]

Hi Andy

 

I don't think it would hurt, do you?

 

Carl.

[zootscoot]

maybe if this gets through to them I may not need pawn my Rolex after all

 

 

 

As long as you don't pawn those NS records

[weymouthuk]

Zoot,

 

No chance of pawning the records. The bailiffs will have to prize them out of my hands first......the swines!!

 

Carl.

[AndyOrch]

Hi

No it shows you are reasonable and have exausted all avenues lets hope im wrong and NW have become reasonable.I have seen a lot less in payment value for the amount of debt.

If you can secure said payment plan just watch out for the thumb screws towards the end of the plan and anyway you have more than enough to defend should /if they do try what I have outlined as a possable scenario

 

 

Regards

Andy

[Goldlady]

We have similar situation with LTSB but no longer use the account so I have sent them letters along the lines of your first one without any fear of repercussions. It is disgraceful how people are being treated when the total debt is made up of unlawful charges, and they actually owe you money. If you moved to another bank you would be in a stronger position.

I know it's not relevant but we just got £1800 back from the natwest on a business claim.

[AndyOrch]

Carl

Make sure you send it spec Del costs £4.30 but can never be denied and again adds to your papertrail.should needs must

 

 

Andy

[WendyB]

And I have a fax number for the Birmingham Collections centre, if thats any use? Sort of belt and braces approach, fax it as well as send Special D. Its 0121 566 1521. Have they upped your o/d limit so that you can avoid being charged the overlimit fee of £28 pr month?

[WendyB]

And don't sell the NS records! I've got some on 45 and 33, up in the loft now, must get a turntable so I can play em:D

[weymouthuk]

Hi Goldlady, Andy & WendyB

 

Thanks all for your words of encouragement. I have been with another bank for a while now so the NW account is basically frozen and no longer in use.

 

This letter is more of a tactical move on my part as it puts an extra little something into the mix for a judge to see if it goes that far. I don't assume for one moment that NatWest have become reasonable but at least I can demonstrate that I have made every reasonable effort to engage them in a mature and decent way, something I think any judge would note and something which I feel would stand in my favour. It's not like I'm telling them I don't accept the debt and they should go take a Flying F~~~. Believe me the temptation is strong though.

 

I will send special delivery, thanks Wendy. I don't mind paying the extra to ensure it is received and signed for. By the way Wendy, check out www.richersounds.com for a good selection of turntables.

 

Thanks all

 

Carl.

[weymouthuk]

Hi All

 

Quick update for you. Sent the letter above by Special Delivery. Lo and behold I received a letter back, actually signed by a human being saying that they accept my offer of £75.00 per month for the next 6 monts at which point I will need to contact them again. So all good....

 

Then, a few days later I receive a letter from Green & Co Solicitors saying that Natwest have instructed them to issue proceedings against me but that they would like to offer me the chance to put forward a payment proposal in order to sort the matter without court. So what do I do now? I have a letter from Natwest accepting my offer and then a letter from Green & Co.

 

I get the distinct impression that NatWest are really disorganised. Should I just copy the letter Natwest sent me and send it to Green & Co?

 

Carl.

[zootscoot]

Quick update for you. Sent the letter above by Special Delivery. Lo and behold I received a letter back, actually signed by a human being saying that they accept my offer of £75.00 per month for the next 6 monts at which point I will need to contact them again. So all good....

 

 

Excellent!

 

I get the distinct impression that NatWest are really disorganised. Should I just copy the letter Natwest sent me and send it to Green & Co?

 

 

Yes and yes

[WendyB]

Left hand and right hand springs to mind:)

 

Yes, I'd do that, send a copy of the Natwest letter with a coveriing letter to Green and Co. Something along the lines of

 

in reply to your letter of xxxx, please find enclosed a copy of a letter dated xxx from Natwest. As you will see from the letter, I have already made an arrangement with Natwest which they have agreed to, with effect from..... I trust this answers any queries you may have and will bring your interest in this matter to a close. Please confirm, in writing, that you will not be issuing proceedings against me.

 

Something like that should do the trick, amend as you see fit - I haven't really got my thinking head on at the moment.

[weymouthuk]

Whats really hilarious is that Green & Co are based in the same bulding as NatWest Collections. Same address and everything!.

[WendyB]

Their staff manual obviously doesn't explain about "initiative" "communications" and so forth:D

[weymouthuk]

Hi Folks, I'm back again and need some advice. I'm totting up my latest set of figures (statements arrived within a week!). In the early parts of my statements there is a recurring 'Service Fee'. Can I claim this back? Also later on, the 'Service Fee' seems to dissapear altogether and is replaced by an indentical monthly amount simply listed as 'Charges'. Can I claim this back also?

[Goldlady]

I would include it in your claim - have you any idea what this 'service fee' was for? It is up to them to prove that whatever the charge was for was legit IMO. We were charged £30 a month by LTSB for something similar which I don't remember agreeing to and included it in our claim. They can dispute it if they want;)

[WendyB]

Service Fee could well be the charge for Advantage Gold, which is £12 eper month. Natwest have taken to being sneaky and now lump all the charges together so you can't make out whats what. If you've got a £40 charge, that would be £28 overlimit plus £12 Adv Gold, and so on. As far as i know, the a/gold fee isn't reclaimable cos its for a "legit" service. I'll have a look at my statements if I get chance and let you know. Cos I haven't had any charges on my adv gold account for ages (Smug look here, but I'm sure it won't last). However on our current plus account I was 35p overdrawn for which I got charged 28 quid, I can fell a spiralling charge debt creeping up again!.

[sea-sidelady]

Here is a list of all charges you can claim...

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-867497.html