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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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A bit lost & confused!


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Hi everybody,

 

This is my 1st post although have been reading avidly through others.

 

I sent the preliminary letter (16th March) and also the follow up one (30th March) to Nationwide with no response, although over the weekend I received £80 back into my account, I received a letter finally today which is the same standard one that everyone else seems to be getting where they stated the £80 was a good will gesture. I dont know what to do now though, should I ignore it and try and claim against them? Or is the law different in Northern Ireland, I've noticed that is states quite clearly over this site that it's english law and I'm not sure where I stand being in Northern Ireland?

 

I'm getting really confused reading through all the information on the templates page too and dont really understand how to complete the next stage,

 

Any advice is greatly welcomed!

 

Cath

Build a bridge and get over it!

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Hi

 

I am new here too and just about to start the battle. Somewhere on here - round near the FAQs is a Step by Step Guide posting. I have been reading avidly and I am sure it says something along the lines of, accept all monies offered but advise them that you will be claiming the full amount. I think it said verbally (perhaps if they offered you the part refund verbally) and in writing.

 

It is worth having a look for the the Step by Step instructions posting as it is very helpful. If I can find it, I will post again pointing you to it.

 

Good luck.

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If you get any money without strings then take whatever you can get. If it is with strings then only take it if you want to be bound.

 

Not a problem being NI. Only the procedure changes. Have a look at the NI court service linked in the library.

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Cheers all!

 

I did phone them last friday as they didnt tell me why I got the £80 back until 2 days ago and they said it was goodwill so I advised them I would be proceeding further for the full amount. I received a letter today saying they where passing my intial emails to some other department, so will just sit back and wait now. Court action isnt due to start till 13/04 so will keep you posted.

 

Thanks again

Cath

Build a bridge and get over it!

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Hi everyone

 

I was suppose to start my court action against Nationwide yesterday but received a letter from a different department than all the other letters. This letter is from member services basically states that she is investigating my claim as the next step from customer services, if i'm not happy with her I have to go to Financial Ombudsman. It says in the letter though that she's allowed 8 weeks to do this, so am completely confused as to what to do.

 

Should I give her 8 weeks and see what she says or should I proceed as I have already given them 28 days (the preliminary letter & follow up).

 

Thanks for the advice guys I really want to nail these 'beeps' lmao

 

Thanks

Cath

Build a bridge and get over it!

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If you have given them 2X2 weeks to action your request then proceed with your claim. They are trying to derail your timetable...and you don't want that to happen.

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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They have 8 weeks to investigate a complaint as allowed by the Ombudsman.

 

You didn't make a complaint - you requested your money back.

 

If you gave 14 days - in accordance with the CPR's - then, if it were me, I would follow the threat through.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Your claim, your deadlines.

 

Don't let them take control, or they'll run rings round you till you give up or die, whichever comes first.

 

To give you an example, I just got a letter yesterday from Cust Svces at Halifax giving themselves till 10th May to deal with my complaint... 2 days after their legal dept settled my total claim out of court! (it makes me laugh every time I think of it:D )

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"I need to give you details of the Financial Ombudsman Service and I've enclosed their most recent leaflet, which you may find useful.You'll notice if you decide to pursue your concerns with the Ombudsman, you should do so within the next six months."

 

Was "Our approach to applying charges is in accordance with the Banking Code and is also in line with other financial institutions." mentioned ? Followed by "In light of this, and as our charges are levied in an appropriate and transparent manner, we regret that we can't agre to refund the charges incurred on your account. You did after all, accept this (as part of the terms and conditions) when you opened your account."

 

Talk about trying to send people in the wrong direction.

Fiduciary?

I think not.

Dave

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Ha Dave that sounds like the letter I received from Nationwide yesterday morning, they are completely defending their charges, well everywhere here (NI) is closed until wednesday morning, so will be proceeding with the courts then. Actually there letter has really riled me so cant wait!!! Bring em on

 

Goodluck & thanks to all

Cath

Build a bridge and get over it!

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They all seem to be creating a new "Put them off" book of excuses and statements.

 

Maybe this is an opportunity for me to get some more print business!!!

..

.

 

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.

 

 

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They all seem to be creating a new "Put them off" book of excuses and statements.

It is also a good opportunity for us to gather all these excuses into one place, and create an 'objection handling' FAQ...I'll volunteer, but it isn't going to happen in the next couple of days...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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It appears to me that the best way to get action from Nationwide is sent all correspondence regarding your claim to Charles Bacon by recorded delivery. He is obviously aware of the legalities of the situation and there will no conflicting messages from different parts of customers services (sic)

Brian

Claim against Nationwide

6 years charges £1973

prelim letter 10 April

Charges refunded 15 April

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  • 3 weeks later...

I merged the 'starting claim tomorrow' thread with this one - they were both dealing with the same claim :)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Build a bridge and get over it!

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