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

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default Juicy V Nationwide **I WON**

    Hi Guys

    I am just starting my claim today!! Please me gentle with me as I am a newbie to all of this.

    I have 2 different accounts with Nationwideicon so I am sending 2 separate Data Protection Act letters. Is this right?

    Below is what I am sending, please let me know what you think

    Thanks Jodie.

    Mr Christopher Swailes
    Data Protection Team,
    Nationwide Building Society
    Kings Park road,
    Moulton Park
    Northampton NN3 6NW


    18th April, 2006


    Data Protection Act disclosure request



    Dear Sir/Madam


    ACCOUNT NUMBER:


    Please supply me with a complete list of transactions and charges relating to our bank account since [May 2001]. Alternatively a complete set of bank statements for that period will be acceptable.

    Additionally where there has been any event in our account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you.

    If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.

    We enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if we discover that you have levied disproportionate penalties against us then we shall be reclaiming them and also reclaiming the enclosed £10 Data Protection Act disclosure fee.

    Nationwide Data Protection Act sent 18/04/06 - 1st response 24/04/06 - prelim sent for 3930.50 22/5/06 lbaicon sent 6/6/06 deadline for response 20/06/06, Moneyonline claim sent 12/7/06, Acknowledged 17/07/06, FULL REFUND - 20/07/06!!!!!!
    HSBCicon prelim sent 26/04/06 for 846.00 - reply received 08/05/06 - LBA Sent 09/05/06- deadline for response 23/05/06 Bank A/C credited 23/5/06!!! LBA (MORE charges) sent 29/6/06, deadline 13/07/06, Charges refunded 19/07/06!!!
    Eggicon DPA sent 03/05/06, 1st response 9/5/06
    Barclaycard DPA sent 03/05/06 1st response 18/5/06
    GOLDFISH DPA sent 15/05/06 deadline for response 24/06/06, Prelim sent 18/07/06, deadline 01/08/06|!
    Monument Prelim sent 15/05/06 for 48.00 (Deadline for response 29/5/06) Offered half. 24.00 Accepted!!




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  2. #2
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    Default Re: Starting my claim!!

    Letter is fine, but you only need to send one.

    It doesn't matter how many accounts you have, it's the same organisation so you only need one DPA.

    Good luck.


  3. #3
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    Smile Re: Starting my claim!!

    OK Thanks Lee


  4. #4
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    Red face Re: Starting my claim!!

    Hi Guys,

    Can you just clear something up for me please!! When I receive my statements of charges am I claimimg back the whole amount they have actually charged me? or just a part of it?

    Thanks Jodie


  5. #5
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    Default Re: Starting my claim!!

    You are claiming back for 6 yearsicon worth of charges for Bounced Direct Debits, Standing Orders, Cheques, Unauthorised overdrafticon Fees etc...

    So if they charged you £39.00 for bouncing a cheque, you ask for £39.00 back.


  6. #6
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    Default Re: Starting my claim!!

    Ok great thanks, so basically they have no right to charge anything atall!!!

    Makes me Sooooooooooooooooooo angry just thinking about it!


  7. #7
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    Default Re: Starting my claim!!

    Well they do have a "right"! Just not a right to charge £39.00 when it probably cost them 10 pence!


  8. #8
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    Smile Re: Starting my claim!!

    Hello everyone,

    i have just also started a claim against Nationwideicon, for unfair charges, of £2343.30. I have sent the Data Protection Act Disclosure Request, and recieved a speedy reply, from a Mr Gary Parkins,the Data Protection Administrator, stating that he acknowledged my request and would be sending me the infomation requested. A few days later, i recieved a bound volume of my last 6 yearsicon bank staements and the £10.00 cheque that i had sent for fees. They do not charge for this service i was told. I have now gone through my statements, and come to the amount stated above. But i am not sure, if i should be adding the interesticon, that is stated each month, under the Notice Of Charges page. Am a bit confused about the interest charges. I would be grateful for any advice. Hope to post Preliminary Letter as soon as i have sorted confusion about interest out.Will keep you all posted.Good luck to you all, with your claims. I am so angry about these charges, as i am a single parent with 2 children, struggling financiallly,and the bank, only made matters worse by taking these charges, and it had a terrible snowball effect.


  9. #9
    Lueeze
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    Default Re: Starting my claim!!

    Hi Cleaopatra...

    Please start a new threadicon of your own, that way you can keep track of your claim and people can offer help if you need it...

    Good Luck

    Lou x


  10. #10
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    Default Re: Starting my claim!!

    Hi Lueeze,
    thanks for that.I am new here, so could you please explain how i start a new threadicon.Many thanks.


  11. #11
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    Default Re: Starting my claim!!

    Thanks LUEEZE

    Cleopatra has now started her own Thread!

    LOULA


  12. #12
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    Default Re: Starting my claim!!

    Hi Cleopatra,

    Go into Bank action group page and click on the Bank forum you wish to chat in i.e HSBCicon or Nationwideicon all the banks are listed in alphabetical order and then once in there at the top of the page on the left it says NEW THREAD. Click on that and it is straight forward from there. It will ask you for a title and you can put something like starting my claim or basically whatever it is you want to talk about and then write your message click submit and the bottom of the page and other members will answer your questions.

    Good Luck

    Let me know if you need anymore help

    Jodie


  13. #13
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    Smile Re: Starting my claim!!

    Hi Juicy,
    many thanks for that.I did manage to work out, how to do it.Good luck with your claim.


  14. #14
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    Smile 1st Response From Nationwide

    Hi Guys,

    I sent my DPA letter to Christopher Swailes on 18th April Recorded Delivery and today received my 1st response saying Nationwideicon have today requested duplicate statements for my accounts and they will be sent to me in due course.

    They have 40 days in which to send them but may be able to provide the details I require in a shorter timescale.

    I will keep you posted.


    HSBCicon Prelim sent - 26/04/06
    Nationwide DPA sent - 18/04/06 - 1st response 24/04/06, 2nd response deadline 3/6/06
    Eggicon DPA sent 03/05/06
    Barclaycard DPA sent 03/05/06


  15. #15
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    Default Re: 1st Response From Nationwide

    Good luck, we're with you all the way!

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.



  16. #16
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    Default Dpa Letters!!

    Hi Guys,

    I am still waiting for my statement of charges to come through the post, any ideas how long they are roughly taking from when you sent the DPA Letter??

    Thanks Juicy


    MOD NOTE: PLEASE CAN YOU KEEP TO YOUR ORIGINAL THREAD - IF YOU NEED TO CHANGE THE NAME OF YOUR THREAD PM ANY MOD.


  17. #17
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    Smile Re: Dpa Letters!!

    Hi there,
    mine arrived about 6 days after i sent my DPA request.But i suppose its down to who recieves the request. Hope you get them soon, good luck with your claim.


  18. #18
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    Default Re: Dpa Letters!!

    Ok thanks, did you not get a letter back first saying they were dealing with your request?


  19. #19
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    Default Re: Dpa Letters!!

    Hi Guys,

    Received my Statements today and have worked out my charges to be about 3,800!!!!

    Should I add the interesticon charge as that amount was literally just charges!!!

    Please help, I am starting to panic now as reading through the forums Nationwideicon look like b-----ds who are probably going to take me to court!:o


  20. #20
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    Default Re: Dpa Letters!!

    I take it you have read the FAQ's right?

    If so then you have no need to panic. Seem to me like you haven't though.

    That would be the best place to start



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE