Oh thank you for replying, I’m going to look into that I feel I should be able to get something even if it’s the low rate x

Oh ok that’s a shame, thanks for your help

Sorry should say ni conts not no conts

Hi thank you for your reply, I was working in those years , I didn’t pay conts because I was below the threshold but had the option to pay no conts at the low earnings level so if I did this would they be class 2 conts , I’m very confused * x

Did not pay NI conts in 14/15 and 15/16 as I was below lower earnings limit. I am now unable to work due to a health condition. If I opt to pay the contributions for both these tax years is it likely I will then satisfy both of the contribution conditions for an award (I know I am not entitled to income based as my partner works). The second condition is really confusing me!!! The guidance online says:- You qualify for contributory Employment and Support Allowance (ESA) if you have paid sufficient National Insurance contributions. There are two contribution conditions you must meet: First contribution condition - in one of the last two complete tax years, you must have paid Class 1 or 2 contributions on relevant earnings at the lower earnings limit for at least*26 weeks. This means you must have worked for at least 26 weeks of the last two complete tax years; and Second contribution condition - in both of the last two complete tax years, you must have paid or been credited with, Class 1 or 2 contributions to the value of 50 times the lower earnings limit. Anybody?? Please

Good luck with that MF - if Cobbets ticked small track then presumably they weren't expecting and did not claim costs - I hope you manage to get the costs cancelled mate I really do all the best x

Hi how much was your claim for they have been dragging mine out since about August last year (£1700) x

Hi if there is a class action or fighting fund I would be willing to join in as well

maroonfox i am so sorry I will also make a donation if you publish your paypal address - chin up mate x

Please can someone help me witht he wording I need on a court form. I am claiming for part known amount and part unknown amount . I have sent Abbey the relevant letters I have only got some of my statements and they have used the microfiche argument to deprive me of the rest. I have already complained to the ICO and have sent Abbey the LBA and now their time is well past up and I want to file my claim without further delay in the hope I get some much needed money back before Xmas. I will be filing in person as I am exempt from the charges being a disabled single mum on benefits any help please with wording would be much appreciated as I dont want mess up at the last most important stage. Thanks in advance

Thanks very much I will use this when I make my claim - a bit busy at the mo with a couple of bank penalty charges claims but when they are refunded I will start on the mortgage ERC - thanks again x

Hi Got my refund plus interest and costs almost £1000 in total and guess what 30 days notice to close my account and if I try to use it after 30 days they will take court action against me for fraud - can you believe that the cheeky so and so's Am I bovvered - definitely not I have another accouint I can use and I am almost a grand richer so Nwide can get lost

Hi I took action against Nationwide and got a couple of eltters warning me they woould close my account but yesterday got a letter saying they have refunded my charges and no mention of closing my account - I have checked my balance and they ghace so far paid my court costs and interest but niot the actual charges so will hopefully get them on Tuesday - just wondering if the letter to close my account is on its way - not really bothered as I have another account elsewhere that I can use

I got exactly the same letters from co-op bank so I filed claim online after 14 days co-op acknowledged and said they were going to defend but then paid in full about 5 days later inc costs and interest (£1026) so stick with it you will get your money soon

I got exactly the same letters from co-op bank so I filed after 14 days co-op acknowledged and said they were going to defend but then paid in full about 5 days later inc costs and interest (£1026) so stick with it you will get your money soon