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.
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 Nationwide over the last 6 years. Could you all please cross your fingers for me :grin: . Nationwides reply to my claim was that I agreed to their terms and conditions 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
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 Nationwide over the last 6 years. Could you all please cross your fingers for me :grin: . Nationwides reply to my claim was that I agreed to their terms and conditions 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
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!
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 Nationwide. 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.
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 Nationwide 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....
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
Thanks to all those who replied. Yes £11k is a huge amount, and dont forget thats just the last 6 years. 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 Nationwide 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
Well this morning I received the Notice of Acknowledgment of Service and Nationwide 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
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
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....
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
(lba 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 Lloyds 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
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
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 Nationwide 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
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 Nationwide. Ours is for £7k incl. interest so it's great to see someone with a bigger claim getting paid