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.
this is my first post, i've just sent my S.A.R letter off after recieving a letter putting a complaint in to Nationwide and them saying basically I signed for it in my terms and conditions so thats it!? is that true? I opened the account about 6 years ago and cant remember anything?
So far this year they have had over £1000 pounds in bank charges off of me!
The T & C letter U got sounds like a fob off letter to me.
It's just a tactic used to scare off the unknowing.
Just proceed reclaiming what they unlawfully took from U
as per the manner what others have done on this site.
U'll get plenty of support in your claim.
Read how others have got on and if U have any questions
I'm sure that someone will be able to put U right if U ask nicely enough
just a quick question which may sound silly but...
Im in the process of doing one of the spreadsheets so kindly provided from this excellent site, and.. i'm unsure as to what is a 'cleared transaction' fee? and what is it for? i dont think ive had any of these.. ??
I've just sent my lba off after sending my S.A.R and PRELIM in the timescales before, my claim is for £1985 but from the looks of things im prob going to have to go to the next court stage hey?!
well after the whole process and all the letters sent as detailed above (me vs Nationwide thread) Nationwide have completley ignored my lba so im going to carry on to the next stage - court action!! it nervous but hopefully it'll come right....
can anybody tell me, do i fill out the N1, send it to the courts then do i have to notify Nationwide I have done this??
the court will notify Nationwide, there is no need for you to do it they will send you a letter with all the info in it such as the date served and the date nationwide have to respond etc, so nothing you need to do apart from wait.
Tick tick tick. From reading other threads reckon about 10 days from when your claim is received to when you get your money.
In the unlikely event that you don't receive your money:
Nationwide have 14 days from date claim is "issued" to acknowledge the claim they then have 28 days from date claim is "issued" to issue defence . In majority of claims (90% or more) they pay up and don't issue a defence.
The next thing for you to do is wait and then one of three things:
1) If they issue a defence then you will be sent an aq to fill in.
2) If any of these deadlines are not met then request a strike out ASAP because every day you delay gives them them extra days.
3) Most likely outcome. :grin: Watch YOUR money roll in within 10 days:grin: .
Knowledge is Power Go get em! Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.
Nationwide - claim £445
23/1/07 Submitted prelim letter
2/2/07 Standard reply received
6/2/07 Submitted LBA
16/2/07 Standard reply received
21/2/07 Submitted N1 claim form to County Court
3/3/07 Claim deemed to be served, defendant has until 19/3/07 to reply.
15/3/07 Received acknowledgement dated 5/3/07 Nationwide intend to defend in full. They now have until 2/4/07 to submit defence.
23/3/07 Cheque received for £635.27 (£445 + £110.27 interest + £80 court cost)
Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Im sending my court claim off, first question - is it better to send the claim online cia MCOL or send it yourself in the post?
also - what if you dont have a solicitor?
There is no wrong or right answer. Really is up to you with both are fine to use. If you use MCOL you wont be able to submit your schedule of charges so will need to send it to bank yourself. You have to pay with a debit (not Visa Electron) or credit card. And you won't be able to put as much info in your particulars of claim (not a problem). However you can check the status of your claim online instantly without having to wait for the postie. http://www.consumeractiongroup.co.uk...laim-line.html
If you use the N1 form you can hand/post your schedule of charges with your N1 form. You can pay by cash at the court. Your particulars of claim will be more comprehensive.
If you are exempt from paying you will need to use the N1 route.
The choice has to be yours. If you are still unsure you can sign up to MCOL fill it all in up the stage where you have to enter your payment details. If you don't want to continue you can cancel it. Your form will be saved untill you decide to continue and pay or delete it or after 28 days it will be deleted automatically.
also - what if you dont have a solicitor?
I don't think anybody has a solicitor. In the N1 form
Statement of Truth
Full name Enter your name
Name of claimant's solicitor's firm Leave blank
signed sign your name
position or office held leave blank
(Litigation friend)(Claimant's solicitor) Delete both of these
Solicitor's costs enter 0.00
not sure about the MCOL though sorry
(have a guess which route I have taken LOL)
Knowledge is Power Go get em! Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.
Nationwide - claim £445
23/1/07 Submitted prelim letter
2/2/07 Standard reply received
6/2/07 Submitted LBA
16/2/07 Standard reply received
21/2/07 Submitted N1 claim form to County Court
3/3/07 Claim deemed to be served, defendant has until 19/3/07 to reply.
15/3/07 Received acknowledgement dated 5/3/07 Nationwide intend to defend in full. They now have until 2/4/07 to submit defence.
23/3/07 Cheque received for £635.27 (£445 + £110.27 interest + £80 court cost)
Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Thanks ma, if gone down the MOL route and posted my schedule of charges to the address given in one of the templae forums so its fingers crossed now!
you guys are great! will defo donate when we come to an end!
...you guys are great! will defo donate when we come to an end!
aimee.
'Us guys' are just people like yourself!
...Unpaid and only trying to help others have a smooth progress in getting back what has been unlawfully taken from us and caused each one of us untold misery/heartache/sleepless nights etc etc.
Each successful Claimant who Donates, helps to off-set the running costs of the site, so that even more people can be helped!
Have the knowledge of getting your own back on a Bank, that has treated U with contempt and continually lied to U, more than once, twice, thrice etc etc.
Stick around AFTER U have WON to help others that start Re-claiming after U.
It's a sort of Claim One, get One (...or more!) Free!!!...rofl...
Just an update, I started my court proceedings via MCOL 16.02.07. Got letter from northampton county court today (20.02.07) saying my case will 'be deemed to be served on the 21st Feb 07' and the defendant has until 7th to reply.
I hope they dont go down the route of filing an acknowledgement of service! - this means they have an extra 28days!!
From reading other threads Nationwide will probably acknowledge the claim stating that they are going to defend . Don't panic I reckon at about the same time money should start appear in you account . I am guessing about the 26th Feb lets see if I am right . Remember that is just by going on what has happened on other threads no guarantees.
Did you see watchdog tonight. I reckon you have claimed in time before the claims start multiplying at a rate of knots. I submit my N1 claim tomorrow BBC - Consumer - TV and radio - Bank charges
Knowledge is Power Go get em! Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.
Nationwide - claim £445
23/1/07 Submitted prelim letter
2/2/07 Standard reply received
6/2/07 Submitted LBA
16/2/07 Standard reply received
21/2/07 Submitted N1 claim form to County Court
3/3/07 Claim deemed to be served, defendant has until 19/3/07 to reply.
15/3/07 Received acknowledgement dated 5/3/07 Nationwide intend to defend in full. They now have until 2/4/07 to submit defence.
23/3/07 Cheque received for £635.27 (£445 + £110.27 interest + £80 court cost)
Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Me Vs Nationwide!
and them saying basically I signed for it in my terms and conditions
Reply With Quote
. In majority of claims (90% or more) they pay up and don't issue a defence. 
Originally Posted by mahharg
. Don't panic I reckon at about the same time money should start appear in you account
. Remember that is just by going on what has happened on other threads no guarantees.