Help!!! Nationwide

[Poppy07]

I have received all my statements from Nationwide, sent a letter requesting my charges plus interesting back, totalling approx. £6k, they have now written back saying no basically, not even an offer!!! Can someone give me an idiots guide on what to do next!
Thanks loads!

[MilkTrayMan]

Hello Poppy07!

1/ Open 'parachute' current account.
2/ S.A.R.
(up to 40 days)
3/ Preliminary Letter
(14 days)
4/ Letter Before Action
(14 days)
5/ File Claim @ Court
6/ WIN
7/ Get on with life!...lol


P.S. Once U have sent your PL, work to your timescales NOT theirs.
Any correspondance U receive from the Nationwide, that does NOT offer U what U are Claiming for in FULL, is best ignored.
It is designed to put U off pursuing your Claim and by getting U in a tizzy, it will draw your mind away from your main aim.

[Poppy07]

Hi there, thanks loads, will send my letter before action now!
Cheers

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[MilkTrayMan]

Hi Poppy07!

Remember not to send off your LBA before the date that U gave them to respond favourably to your PL.
Don't forget to enclose an updated version of your spreadsheet figures with your LBA.
U wouldn't be the 1st if U do forget!

btw...Hope U are also Claiming C.I. @ 24.9% APR??!

[Muffintop]

Originally Posted by Poppy07

I have received all my statements from Nationwide, sent a letter requesting my charges plus interesting back, totalling approx. £6k, they have now written back saying no basically, not even an offer!!! Can someone give me an idiots guide on what to do next!
Thanks loads!

They wont negotiate with you, court is the next stage with money claim online. You will have to read through stuff onthis site to help you. it will cost you around 120 if the claim is under 5k though, dont know if thats just one account or a few put together, but know if your claim is over 5k it costs slightly more. dont be put off its game on now.

[Muffintop]

Originally Posted by MilkTrayMan

Hello Poppy07!

1/ Open 'parachute' current account.
2/ S.A.R.
(up to 40 days)
3/ Preliminary Letter
(14 days)
4/ Letter Before Action
(14 days)
5/ File Claim @ Court
6/ WIN
7/ Get on with life!...lol


P.S. Once U have sent your PL, work to your timescales NOT theirs.
Any correspondance U receive from the Nationwide, that does NOT offer U what U are Claiming for in FULL, is best ignored.
It is designed to put U off pursuing your Claim and by getting U in a tizzy, it will draw your mind away from your main aim.

I wish I had your confidence..... still waiting for their defense , 14 days left to 28!

[elmo73]

Originally Posted by MilkTrayMan

btw...Hope U are also Claiming C.I. @ 24.9% APR??!

Whats this?????

[PPMAN159]

Surely if this is going via MCOL then interest of 8% is all that you claim?

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[elmo73]

Thats what i thought

[MilkTrayMan]

Originally Posted by PPMAN159

Surely if this is going via MCOL then interest of 8% is all that you claim?

Try reading threads of winning Contractual Interest Claims!

Daily Compounded Contractural Interest (24.9%AER in Nationwide's case) is what Nationwide charges for unauthorised borrowing.

...and U want to just charge them s69 8%APR Statutory Interest, which is just simple interest, for likewise "borrowing" without your authorisation, when they have debited from your account unlawfull Bank Penalty Charges???

Your choice of course!!!

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[runnycustard]

Subscribing to this post

[PPMAN159]

The 8% is the figure given on MCOL so that it is what a vast majoirity of people have gome with.

How sure can you be that if we up the rate from 8% to 24.9% the courts will accept this figure and rule in our favour?

[MilkTrayMan]

Originally Posted by PPMAN159

...How sure can you be that if we up the rate from 8% to 24.9% the courts will accept this figure and rule in our favour?

I refer U to the advice I gave in #10

[Muffintop]

is that the daily rate of interest on the money claim site which was standard letter which you inserted the rate? if so yes did put it in

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.