Nationwide **WON POST-OFT v BANKS**

**daniel12** · 6th June 2007 13:39

Hi All

Just typing out my letter to Nationwide icon

as they have refused to refund the charges so am now giving them 14 days notice or will be making a claim via the courts. Very scary - anyone have any tips or encouragement!

Thanks

Similar Threads:

**Parkvale** · 6th June 2007 13:45

daniel12,

Hi and welcome to the CAG site.

You've definately taken the first step into claiming back what's rightfully yours.

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the templates library icon

as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

Good luck with your claim.

Useful links to help with your claim

FAQ’s
http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

Letter Templates
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

interest Spreadsheet
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Court N1 form
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Mcol Particulars of Claim
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

**daniel12** · 6th June 2007 13:50

Hi Guys

Well had the standard letter from the bank stating not refunding monies - so now giving them 14 days notice or will go to court - very scared - any tips would help.

Thanks

**kopstar1965** · 6th June 2007 14:30

Read through a couple of the threads on here & then go for it. Make sure you keep copies, recorded delivery is best for sending, the sooner the better. Just be prepared to follow it up & be in it for the long haul...... it will not be resolved overnight.
Andrew

**kilbo** · 6th June 2007 17:33

hi daniel
i got over £3000 back about a month ago stick with this site and read as many threads as you can they will take you all the way and hope you give up stay focussed and you will get your money.
got mine back 24 days after mcol was filed

**daniel12** · 7th June 2007 09:23

Hi Kilbo

That is really good is the MCOL the online system rather than submitting the documentation to the courts. Did you find the information they required simple to provide or not. Mine is £2850 but need to calculate the interest icon

on top. Was yours the full settlement?

**daniel12** · 7th June 2007 09:24

kopstar

Thanks for your response also - I will certainly be in for the longhaul -my stubborness will get me through lol!

**kopstar1965** · 7th June 2007 09:59

If you navigate to http://www.consumeractiongroup.co.uk...d=56&Itemid=78
& select the excel sheet for England Simple, you enter the charge reason, the amount & then the date & it calculates it up to date for eazch individual charge.
I am still waiting to hear anything other than the acknowledgement.

**daniel12** · 7th June 2007 13:41

how long have been you waiting

**daniel12** · 7th June 2007 13:54

Hi

I have requested the terms and conditions icon

twice from Nationwide icon

and not received - does anyone know where I could get them from.

Thanks

**crazyworld** · 7th June 2007 13:58

Hi daniel12, you can get the current terms and conditions icon

from the Nationwide icon

website, if you go to the current account tab at the top of the page, then click on "legal" at the left hand side, then on the next page there's a PDF copy that you can download.

**daniel12** · 7th June 2007 14:32

Hi thanks for that - do you know how to get the terms and condiitons for previous years i.e the time that my charges were incurred!

**crazyworld** · 7th June 2007 14:51

No probs Daniel, I was going to wait until I'd filed my claim, then write to ask for all necessary t & c's, as the issue is at court, Nationwide icon

would be obliged to provide the terms and conditions icon

for the period am claiming for, that's what I was going to do anyway, not sure what others here think?

**kopstar1965** · 7th June 2007 15:18

They filed a defence on the last day, Wednesday 30th, heard nothing since, just found out from the MCOL site.
Maybe something at home today but no cash in the bank

**kilbo** · 7th June 2007 19:24

daniel go to the money saving expert website there is an interest icon

calculater there.
there is also a thread on here somewhere that tells you how to word your claim so they take you seriously.

**kelly101** · 7th June 2007 22:18

Originally Posted by kilbo

daniel go to the money saving expert website there is an interest icon

calculater there.
there is also a thread on here somewhere that tells you how to word your claim so they take you seriously.

Or use these:

Interest calculation spreadsheets

Particulars of claim - N1- Hard copy version

Money Claim On-Line (MCOL) Particulars of Claim

K.

**daniel12** · 8th June 2007 09:16

Thank you - I have already done the template letter giving 14 days notice before I submit my claim to the court - and did find it from this website.

And thanks so much for your helpful input......have any of you had problems getting the terms and conditions icon

for previous years. Was thinking of doing a letter to Nationwide icon

to confirm and state if not received will confirm this to the court?????

**MilkTrayMan** · 8th June 2007 12:28

The onus is always on the Claimant to prove their own Case.

There is NO automatic right of DISCLOSURE in the Small Claims Track.
Therefore Nationwide icon

would be under NO obligation to supply U with a copy of the T & C's from 'n'years ago to enable U to prove your argument against them!

Here are a couple of links that may be of interest icon

to U...
http://www.consumeractiongroup.co.uk...your-help.html

Internet Archive: Wayback Machine

**daniel12** · 8th June 2007 13:01

Hi

I am really confused - am I right in stating that when I submit my papers to the court - I have to provide the terms and conditions icon

for the period 2001-2006. As I have not got them? Does this mean the claim would be worthless to submit?

**bennyowen** · 8th June 2007 13:25

daniel12

Don't be confused. Nobody says you should provide any terms and conditions icon

. Let the banks think about that when you ask for your charges back.

The claim for money back is valid if you have been charged unlawfully in your account.

Follow the step by step route to help you. Click below:
http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/31460-step-step-instructions.html?highlig ht=library

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