Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. #1
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    Wink Smiths vs Nationwide

    Hi all,

    Ive finally worked out how to post a thread lol. Have just paid £250 via the Moneyline court system to claim back the £11+k i've been charged by Nationwideicon over the last 6 yearsicon. Could you all please cross your fingers for me :grin: . Nationwides reply to my claim was that I agreed to their terms and conditionsicon so tough...so as I couldnt pop down the the high street and thump the branch manager I had to proceed to court. Will keep you all posted. Good luck everyone

    Similar Threads:

  2. #2
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    Smile Smith vs Nationwide

    Hi all,

    Ive finally worked out how to post a thread lol. Have just paid £250 via the Moneyline court system to claim back the £11+k i've been charged by Nationwideicon over the last 6 yearsicon. Could you all please cross your fingers for me :grin: . Nationwides reply to my claim was that I agreed to their terms and conditionsicon so tough...so as I couldnt pop down the the high street and thump the branch manager I had to proceed to court. Will keep you all posted. Good luck everyone



  3. #3
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    Default Re: Smith vs Nationwide

    good luck to you too!

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


    I have been smoke-free for 4yrs

  4. #4
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    Smile Smith vs Nationwide

    Hi all.

    Have finally worked out how to post a thread lol. After following the procedures suggested on this site I have today paid £250 via the Moneyclaim court site to claim back the £11+k i have paid in charges to Nationwideicon. Basically their reply to my initial letters was "tough". Ill keep you all posted. Everyone cross your fingers for me please :grin: . Good luck to you all.


  5. #5
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    Default Re: Smith vs Nationwide

    they're crossed!


  6. #6
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    Default Re: Smith vs Nationwide

    WOOOOOAAAAAHHHHH.

    That is one hell of a claim. Fingers crossed on this one and please, please keep us updated - haven't seen one this big on the Nationwideicon section.


    Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.


    ** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

    ** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **
    Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....







  7. #7
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    Default Re: Smith vs Nationwide

    Blimey, good luck nursiepoos... as Dolly says that is a big claim.. Go get em girl!!

    Whoo hoo Settled in Full. 16th April 07
    Notice of Acknowledgement: 17th March 07
    Claim Form to CC: 8th March 07
    LBA sent: 8th Jan
    Prem Letter: 12th Dec 06
    Nationwide Claim. £2921.96

  8. #8
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    Default Re: Smiths vs Nationwide

    Good luck! That is huge! Really hope they pay up for you.

    Capital One : £200.00 - Prelim sent then £68.00 put into a/c. N1 issued 08/08/06 for £132.00 + £19.54 @8% - Total Refund received

    Monument: £532.00 + £96.11@8%. N1 issued 08/08/06. Defending claim.

    Nationwide: Claiming £4835.87
    £4593.53 paid back 18/08/06 Emailed Charles Bacon 21/08/06 to get the difference of 242.34 paid back.

    NatWest: Prelim sent 22/08/06 for £1018.00. N1 issued 08/09/06. Filed judgement and received cheque for 1366.97 (inc interest) 28/09/06

    Topshop: Total refund received £102.00 after 1st Letter



  9. #9
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    Default Re: Smiths vs Nationwide

    Jeez 11K!!! they must have been charging you hundreds every month, I thought I had a decent claim!!!:o

    Good luck

    ************************* ****************

    Nationwide
    Won
    Capital One
    Won
    Citibank
    Part win
    GE Capital
    Won

    Exchange your council house for free.
    www.UseMyPlace.com

  10. #10
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    Talking Re: Smiths vs Nationwide

    Thanks to all those who replied. Yes £11k is a huge amount, and dont forget thats just the last 6 yearsicon. I 've banked with them for 17 years. We really are that bad at running our account, its quite embarassing really, but most of the time the money has only been a day or two late being paid in (hubby self employed) but even if you ring them and say this is going to happen they aren't interested in helping you out. Today we received a Notice of Issue from the court letting us know that our claim had been lodged and that Nationwideicon had been sent their docs on 10/08/06. they have until 29/08/06 to reply. will keep you all updated. I think I read somewhere that this site would like my claim number/court details etc so they can track my progress too, cant remember where i saw it tho...anyone know? keep in touch mates x x


  11. #11
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    Default Re: Smiths vs Nationwide-YIKES

    Hi everyone,

    Well this morning I received the Notice of Acknowledgment of Service and Nationwideicon intend to defend all of my claim. OK, so now i feel like caving in already . What a wuss. I cannot bear the thought of actually going to court, although Dolly-site helper- has kindly offered to dig out some information for me. I know i'll get all tongue tied and incoherent lol. the thing is £11k is a huge amount thats worth fighting for, i dread to think what i'll have to pay out if i lose! Prayers and crossing of appendages welcome

    x


  12. #12
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    Default Re: Smiths vs Nationwide

    Well good luck nursiepoos - I received notification of their intention to defend on Wednesday 19th July, and the money started to go in on Thursday 20th July.

    Remember - it can appear at any time of day.............

    Tazz

    Nationwide
    May 23 Data Protection Act request sent
    May 25 Data Protection Act request acknowledgement received
    June 13 Statements Received
    June 13 Prelim letter sent
    June 26 LBA sent
    July 12 Claim issued via Money Claim Online
    July 21 £4798.29 paid into account

    Endeavour Personal Finance
    Sep 12 Prelim letter sent
    Sep 18 LBA sent

    GE Money
    Sep 20 SAR

    SPPL
    Sep 20 SAR

  13. #13
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    Default Re: Smiths vs Nationwide

    Nursiepoos - have you still got an account with them? Every time they have said that they intend to defend the money starts going into the account within a day or so, so if you have, please check it


    Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.


    ** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

    ** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **
    Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....







  14. #14
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    Default Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!

    OMG OMG OMG I'm in shock. It does work, and these advisors aren't crazy! Lol.
    Total claim £11,247.00
    • Data Protection Act letter sent 06/06/06
    • Prelim Letter 24/07/06
    (lbaicon not sent as they charged me another £750 last month and wouldnt negotiate 2 days for me to get the money in the bank so I threw a hissy fit and went straight to the moneyline stage, willingly handing over the £250 fee)
    • Moneyline claim 10/8/06
    • Acknowledgement of Service 14/8/06
    22/08/06 - Payment into account - £250.00
    23/08/06 - Payment into account - £9,080.00!!!!!!!!!!!!!!

    Presumably they'll pay the rest today or tommorrow. I'm over the moon. All those jitters were worth it. Keep going everybody, if they can pay me back £11,000 then they are admitting that they cant justify their charges. I might even claim back the £750 they charged me last month now lol. (New acc with Lloydsicon opening tommorrow.)

    Many many thanks to Dolly for all you support and advice. We will hand over 5% gladly and thankfully.

    (Not sure what to do about the court now though, I see there is a customer helpline phone number on the Moneyline site, will give them a call.)

    Could Dolly or a Moderator please contact me for details of how I can hand over some of this lovely lolly ) x x x xx xx


  15. #15
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    Default Re: Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!

    WELL DONE!!!!! CONGRATS!!!! BET YOUR GONNA HAVE A GREAT WEEKEND!!!!

    I WOULD JUST DIE IF THAT WAS MY BALANCE WHEN I WENT TO DRAW OUT ME LAST TENNER LOL!!!

    ***Nationwide***
    Data Protection Sent 05/08/06
    Statements received 17/08/06
    Prelim Sent Rec Delivery £1231.50 18/08/06
    LBA Sent 11/09/06 Rec Delivery
    N1 Issued 28/09/2006 for £1561.80 inc Interst
    Date of Service 30/09/2006
    ***WON*** NATIONWIDE PAID 12/10/06

  16. #16
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    Default Re: Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!

    Congratulations!! I'm so pleased for you.

    I have just started my fight too re-claim my money gives me so much strength to hear people getting there money back this does work.

    Enjoy spending it!!


  17. #17
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    Default Re: Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!

    Hi very well done indeed ,im just at the the moneyclaim stage with these guys hope every1 else gets there monies too.


  18. #18
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    Default Re: Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!

    Jeez you'll be bale to buy yoouself a second home with that lot

    WELL DONE!!!!!!!!!

    ************************* ****************

    Nationwide
    Won
    Capital One
    Won
    Citibank
    Part win
    GE Capital
    Won

    Exchange your council house for free.
    www.UseMyPlace.com

  19. #19
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    Default Re: Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!

    Well Done, i wish i was at that stage! - I have to wait until 4th Sept to see if they respond although mine is only £683.14pence i wish i had it back then i would close the Account.
    Why do they that these unauthorised overdrafts / Charges are Transparent and they think they are in the right?
    Has anyone been to the stage where they have had there claim issued to the Nationwideicon and then had a letter from the courts to tell you that they have so long to reply?
    It's a long winded process starting to get bored with it, but i want my £££ back so it's just a waiting game i suppose? Any one that can give me some feedback please advise

    Thanx


  20. #20
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    Default Re: Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!

    Fantastic - good for you! That's very encouraging as we have just had our claim acknowledged yesterday by the Nationwideicon. Ours is for £7k incl. interesticon so it's great to see someone with a bigger claim getting paid



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