Jec vs NatWest ***WON***

[jec]

hi
new and am completely out of my league. I followed advice form another web site and it did not advise me to send a schedule with my online claim. Have I ruined my chances or will I be able to rectify my mistake and send it on to the defendents solictors?

J

[Rooster-UK]

Hi Jec.
Have you had notification of transfer to your local court, yet?
As soon as you get it, send a copy of your schedule of charges to the court and quote your claim number. Ask for the schedule to be attached to your claim. Also send a copy to your bank, quoting the claim number.

Spend a few days reading the FAQs and the step by step guide in the library section. You will find a lot of essential info there that will answer most of your initial questions.

Regards, Rooster.

[jec]

Thanks, Rooster.

Sound advice. I will take more time to read up and be prepared.

Many thanks
Jec

[jec]

My husband and I have a business and advantage gold account with NatWest - been with them 20 years. Never gone into red on our business account. Do all banking via internet. Pay goes into current account via online and on the same day they bounce all my DDs and SOs. Happens so often I phone or visit to complain and ask for it back they say no we are doing this legally to the tune of over 5k in charges so far . Took alot of courage to take on the bank and alot of deliberation.
Filed MCOL and recieved court notice this Monday. Wish me luck.

Jec

[Parkvale]

jec,
You will win. I succesfully claimed over £25,000 from Nat West, because of charges on my business account. Just do plenty of prep work and reading. Be prepared.

[jec]

Thanks Parkdale have been reading site faq's etc. intensely.

May I ask, did you stay with S*atwest or move on? Devil you know and all.

Jec

[Parkvale]

Left them, but the business closed anyway.

[jec]

Quick question please,

At what timescale should I expect a notification of transfer to my local court? - so that i may send on my left out schedule of charges.

Many thanks Jec

[jec]

Nat west have acknowledged my mcol today, the 21st. Do they get 28 days from today or from 10th June, when they were served or when???? And please, what should I expect to happen now - what do I need to do??? Don't want to blow it.

Janice

[hedgey06]

Originally Posted by jec

Nat west have acknowledged my mcol today, the 21st. Do they get 28 days from today or from 10th June, when they were served or when???? And please, what should I expect to happen now - what do I need to do??? Don't want to blow it.

Janice

Don't panic! They have 28 days from the date your claim was deemed as served to submit their defence. Don't be hasty to try to file judgement against them if they don't submit though - cobblers are notorious for allowing them to submit a late defence (and the courts allow this).

Sit back, wait for your claim to be transferred to your local county court, then post on here when you need further info.

Hedgey x

[jec]

Thanks Hedgey,

OK, will do. 28 days from 10th June (served date) is 8th July. I will wait and see what comes my way. Has anyone gone to court yet with this bank? Or do they always settle in some way or another? Anyway, will no doubt be asking for much needed help before long.

Many thanks all,

Janice

[hedgey06]

You'll find that they'll settle jec, but the trick is to be prepared at every step of the way and don't take anything for granted. Wait until you hear something from the courts, then we can advise you further. In the meantime, relax!!

[jec]

Thanks Hedgey,
I know you say don't worry. But now I am Really confused just been reading other threads and what is a POC??" As I stated earlier I started my process via other web site (really useless one as it turns out). I send Subject access request only got back statements - no probs. Phoned bank - no help there with charges. Went into branch to challenge officially my charges was told to bogoff. Been in to see them so many times to complain about charges it was no wonder.

Then sent letter on 19 may no response. Filed mcol on 5 June. Sent spreadsheet to Mcol and Bank on 18 June. Nat west acknowledged 21 June.

I believe I may be one of those you refer to who may have messed it up.

Also please clarify what t and c's I need for my account. Been with then 20 years and they changed me to advantage gold when I openned a business account ten years ago.

[jec]

Also, sorry to sound dumb, my excuse is my age. Found out poc is mcol? right? Don't think we did that stage right at all.

As this is a joint acct and my husband's name is on the mcol but our names are on all letters sent out. Can I also attend and if so needed defend in court. Hubby is not the one doing the reading up (better late than never) - anyone???? t&C's that are relevant for a long standing account like mine?????

Many thanks Janice

[Trish76]

POC is Particulars of Claim, this is the breakdown of what your claim is when submitting it through the courts.

[jec]

Thanks Trish

Not sure what to do about that one, as I sent my spread sheet on and it prob crossed in post with NatWest acknowledgement. I believe they will require full details from us in cpr18 as we are total newbies and appear to have lost the plot. Where are your children when you need them??

Janice

[jec]

Any t&c's for NatWest accounts 15 years plus???

ANYONE PLEASE

[jec]

Any t&c's for NatWest accounts 15 years plus???

ANYONE PLEASE

Also, may I please enquire if when preparing my court bundle, do I need to include all six years bank statements (x3 one for each bundle) wow if so that wil be expensive to do.
Jec
Looks like I'm ready to kick *ss and chew bubblegum, and I'm outta gum!!

[hedgey06]

Jec, write to Customer Relations Unit (Borehamwood address) for your original T&C's as follows:


Ref: Account number xxxxxxxx
Sort code xx-xx-xx

Please forward a copy of the terms and conditions that were in force at the time my account was opened, and any subsequent amendments to those terms and conditions. These are requested under CPR Pre-Action Protocol 4.6(c) for my claim number xxxxxxxx in the xxxxxxxx county court.

Yours sincerely,
Jec

C.c. Cobbetts LLP

I actually got this from a post that Steven4064 made a few days ago - so thanks to Steven for the above info - duly pilferred and used for my own T&C's as well!!!!

[jec]

Cheers for that Hedgey!!!!!!!!!!!!!!

Will do it now, for post tommorrow. Also, is it so that I need to provide 3x photocopies for court bundle (one for me(originals - so 2x photocopies) one for defense and one for Judge???)

Many thanks in advance

Jec