Maz v NatWest**WON**

mbaz · 5th June 2007, 19:40

Hi everyone

I'm new to this site.

I am in the process of reclaiming £5245 back from NatWest and have registered with Trowbridge court. Cobbets have acknowledge the claim and I am now waiting for them to file their defence. I wondered if there was anyway I can find out whether anyone else has been through Trowbridge Court as it might make me feel more confident to go all the way if I know other cases have been successful through this court. Do you know if I can find this out?

Thanks,

Mbaz

hedgey06 · 5th June 2007, 19:50

Hi Mbaz, welcome on board the nat west forum!

I haven't a clue how you could find this info out though - how about asking at the county court autolinker.com autolinking image

??

steven4064 · 5th June 2007, 20:22

You could ringthe court and ask. THe admin autolinker.com autolinking image

staff are usually very helpful. The worst is that they will say they can't tell you.

Steven

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site.

mbaz · 14th June 2007, 11:59

Hi again, well cobbetts have now sent me there defence and I think the gist of it is that I havent provided enough information (I sent a list of charges) and that the onus on me is to proove that these charges were actually taken (not a problem as I have the statements) and that they were as a result of breach of contract (eeek - not sure what this means!!!) to be honest I'm really hoping to settle out of court and I have a figure in mind - how lilely is it that NatWest are trying to intimidate me and will send me a lower offer to settle out of court? do they usually do this as I'm really not sure about going all the way through court...any advice/support appreciated!!

steven4064 · 14th June 2007, 12:11

Quote:

Originally Posted by mbaz

how lilely is it that NatWest are trying to intimidate me

That's exactly what they are trying to do!

You have to realise that this is a game. It's like noughts and crosses - every move is inevitable - the difference is, that in this game it is not a draw - you get to win!

First thing - it will not actually get to court. NatWest will settle before that although it might be the night before!

Here's the next 'moves':

1. You ignore their defence - as you say, it is not a real defence, it is just to frighthen you with legalise and doubt

2. You respond to anything the court sends you (here you get to 'ask a friend' - ie us)

3a. The court may send you an allocation questionnaire autolinker.com autolinking image

- fairly straightforward and there are instructions on how to so it here

3b. The court may dispense with teh aq autolinker.com autolinking image

in which case you send them this

4. Eventually a court date will be set and you will have to send a load of documents. You can 'ask the audience' (us again!)

5. NatWest will also have to send a load of documents but they won't. Instead they will send you the money.

Sometimes there are variations. Sometimes NatWest gives in earlier. Sometimes the judge shows them a red card and they get sent off!

Steven

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site

mbaz · 14th June 2007, 12:13

thanks so much! I feel better already! I'm just so worried that mine will be one of the ones that goes all the way and I'll lose because I dont understand all the jargon! I'll keep asking you guys though!

steven4064 · 14th June 2007, 12:35

There are loads of people on here who've been through the process and won who are only too willing to help and guide

Steven

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site

mbaz · 27th June 2007, 11:38

Hiya

Got a letter this morning saying court date is 31st August but a bit worried as thought I'd get some sort of questionnaire to complete and be able to submit more evidence such as terms and conditions autolinker.com autolinking image

- do you know if this will happen?

steven4064 · 27th June 2007, 15:28

Obviously they are dispensing with the aq autolinker.com autolinking image

- see my point 3b in post #5 above

Steven

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site

Micky the Hippo · 27th June 2007, 16:41

two months lead time for court dates? :o

mbaz · 29th June 2007, 14:28

Thanks everyone. I know I cant believe hot far away my date is! The letter from the court says I must submit all evidence 14 days before the hearing so shall i just send it to the court anyway or should i send that letter first? Sorry if I'm being stupid but I really dont want to get this wrong!

Maria

mbaz · 29th June 2007, 14:38

another note - my letter says my claim has been allocated to the smalls claim track and the hearing will last no more than 15 mins..........sound quite short to me.

hedgey06 · 29th June 2007, 15:55

Hi Maria, if you're happy to send the above letter - by all means do us. In the meantime - given that you've got plenty of time to get it right! - start putting your court bundle together as well.

mbaz · 24th July 2007, 16:06

hiya - do you think its a good sign that judge has only allocated 15 mins for my hearing???! Ie is he anticipating bank now turning up and therefore me winning????!!

Micky the Hippo · 24th July 2007, 16:13

no-one anticipates the banks turning up at court, including the banks

mbaz · 1st August 2007, 10:30

hiya - given the latest news re: OFT court case how will i be informed if judge out a "stay" on my case? will i get a letter before or will he tell me at the hearing itself? cant believe might have gone through all this for nothing!!!

steven4064 · 1st August 2007, 11:01

You will get a letter and the opportunity to oppose it - there is a template in the library

mbaz · 6th August 2007, 21:16

called court today who said that all hearings go ahead and no "stays" will be granted!! I am so relieved as its almost certain NatWest wont turn up on that day - espeacially with the OFT case - so fingers crossed!!!

mbaz · 6th August 2007, 21:26

ps. need to start my bundle. please can someone post me the link to the guidance as I cant seem to fins it. thanks so mucn

hedgey06 · 6th August 2007, 22:15

That's great news mbaz - could you tell us what court this is please? (or PM myself or another site helper if you don't want to post it on the open forum).

This link is useful for preparing your court bundle - and the basic court bundle can be found here. Don't forget your terms and conditions autolinker.com autolinking image

!

5th June 2007, 19:40	#1 (permalink)
mbaz Basic Account Holder Protect your signature with SignGuard Cagger since : Sep 2006 Posts: 24	Maz v NatWestWON Hi everyone I'm new to this site. I am in the process of reclaiming £5245 back from NatWest and have registered with Trowbridge court. Cobbets have acknowledge the claim and I am now waiting for them to file their defence. I wondered if there was anyway I can find out whether anyone else has been through Trowbridge Court as it might make me feel more confident to go all the way if I know other cases have been successful through this court. Do you know if I can find this out? Thanks, Mbaz Last edited by mbaz; 7th August 2007 at 21:17. Reason: progress

5th June 2007, 19:50	#2 (permalink)
hedgey06 Platinum Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jan 2007 Posts: 7,101	Re: Maz v natwest Hi Mbaz, welcome on board the nat west forum! I haven't a clue how you could find this info out though - how about asking at the county court??

5th June 2007, 20:22	#3 (permalink)
steven4064 Site Team Your bank owes you an awful lot more money than you realise See here Cagger since : Dec 2006 I am in: Lancashire Posts: 13,802	Re: Maz v natwest You could ringthe court and ask. THe admin staff are usually very helpful. The worst is that they will say they can't tell you. Steven *If this post is helpful, please click the scales* Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site. __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

14th June 2007, 11:59	#4 (permalink)
mbaz Basic Account Holder Free trial on our eBay auction sniper Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest Hi again, well cobbetts have now sent me there defence and I think the gist of it is that I havent provided enough information (I sent a list of charges) and that the onus on me is to proove that these charges were actually taken (not a problem as I have the statements) and that they were as a result of breach of contract (eeek - not sure what this means!!!) to be honest I'm really hoping to settle out of court and I have a figure in mind - how lilely is it that NatWest are trying to intimidate me and will send me a lower offer to settle out of court? do they usually do this as I'm really not sure about going all the way through court...any advice/support appreciated!!

14th June 2007, 12:13	#6 (permalink)
mbaz Basic Account Holder Your bank owes you an awful lot more money than you realise See here Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest thanks so much! I feel better already! I'm just so worried that mine will be one of the ones that goes all the way and I'll lose because I dont understand all the jargon! I'll keep asking you guys though!

14th June 2007, 12:35	#7 (permalink)
steven4064 Site Team Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Dec 2006 I am in: Lancashire Posts: 13,802	Re: Maz v natwest There are loads of people on here who've been through the process and won who are only too willing to help and guide Steven *If this post is helpful, please click the scales* Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

27th June 2007, 11:38	#8 (permalink)
mbaz Basic Account Holder Free trial on our eBay auction sniper Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest Got court date - can i submit more evidence? Hiya Got a letter this morning saying court date is 31st August but a bit worried as thought I'd get some sort of questionnaire to complete and be able to submit more evidence such as terms and conditions - do you know if this will happen?

27th June 2007, 15:28	#9 (permalink)
steven4064 Site Team Try our eBay sniping service Cagger since : Dec 2006 I am in: Lancashire Posts: 13,802	Re: Maz v natwest Obviously they are dispensing with the aq - see my point 3b in post #5 above Steven *If this post is helpful, please click the scales* Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

27th June 2007, 16:41	#10 (permalink)
Micky the Hippo Basic Account Holder Free trial on our eBay auction sniper Cagger since : Sep 2006 Posts: 730	Re: Maz v natwest two months lead time for court dates? :o

29th June 2007, 14:28	#11 (permalink)
mbaz Basic Account Holder Your bank owes you an awful lot more money than you realise See here Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest Thanks everyone. I know I cant believe hot far away my date is! The letter from the court says I must submit all evidence 14 days before the hearing so shall i just send it to the court anyway or should i send that letter first? Sorry if I'm being stupid but I really dont want to get this wrong! Maria

29th June 2007, 14:38	#12 (permalink)
mbaz Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest another note - my letter says my claim has been allocated to the smalls claim track and the hearing will last no more than 15 mins..........sound quite short to me.

29th June 2007, 15:55	#13 (permalink)
hedgey06 Platinum Account Holder Our auction sniper is now live. Try it for free Cagger since : Jan 2007 Posts: 7,101	Re: Maz v natwest Hi Maria, if you're happy to send the above letter - by all means do us. In the meantime - given that you've got plenty of time to get it right! - start putting your court bundle together as well.

24th July 2007, 16:06	#14 (permalink)
mbaz Basic Account Holder Protect your signature with SignGuard Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest hiya - do you think its a good sign that judge has only allocated 15 mins for my hearing???! Ie is he anticipating bank now turning up and therefore me winning????!!

24th July 2007, 16:13	#15 (permalink)
Micky the Hippo Basic Account Holder Worried about companies stealing your signature? Use our new digital signature service Cagger since : Sep 2006 Posts: 730	Re: Maz v natwest no-one anticipates the banks turning up at court, including the banks

1st August 2007, 10:30	#16 (permalink)
mbaz Basic Account Holder Protect your signature with SignGuard Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest hiya - given the latest news re: OFT court case how will i be informed if judge out a "stay" on my case? will i get a letter before or will he tell me at the hearing itself? cant believe might have gone through all this for nothing!!!

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1st August 2007, 11:01	#17 (permalink)
steven4064 Site Team Your bank owes you an awful lot more money than you realise See here Cagger since : Dec 2006 I am in: Lancashire Posts: 13,802	Re: Maz v natwest You will get a letter and the opportunity to oppose it - there is a template in the library __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

6th August 2007, 21:16	#18 (permalink)
mbaz Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest called court today who said that all hearings go ahead and no "stays" will be granted!! I am so relieved as its almost certain NatWest wont turn up on that day - espeacially with the OFT case - so fingers crossed!!!

6th August 2007, 21:26	#19 (permalink)
mbaz Basic Account Holder Have we helped you? Please help us by making a donation Cagger since : Sep 2006 Posts: 24	Re: Maz v natwest ps. need to start my bundle. please can someone post me the link to the guidance as I cant seem to fins it. thanks so mucn

6th August 2007, 22:15	#20 (permalink)
hedgey06 Platinum Account Holder Free trial on our eBay auction sniper Cagger since : Jan 2007 Posts: 7,101	Re: Maz v natwest That's great news mbaz - could you tell us what court this is please? (or PM myself or another site helper if you don't want to post it on the open forum). This link is useful for preparing your court bundle - and the basic court bundle can be found here. Don't forget your terms and conditions!