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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mahharg V Nationwide **WON**


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Hi all

I am almost set to start my claim against Nationwide. I have read success threads and all the time the money/refund has been put into their account without notice. My account has been closed (defaulted-charges alone did not default me) since 2004, it was sold to Moorcroft which is being paid of via CCCS free debt help interest free. Will they send a cheque to me when they pay me?.

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Nationwide - won claim 

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.

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Hi all

 

Please someone help me get the ball rolling. I am about to get the ball rolling on my claim just a couple of questions. Any help and I will be very grateful.

 

I have read all trough the FAQ sections learning a lot but not quite ready.

 

1) I will not be claiming contaractual interest - we are talking about 10 days worth (claiming £445). Should I still submit my spreadsheet of charges without interest added in my prelim' letter to Nationwide and at every stage or shall I wait?. I know I don't add on the 8% unless I get to MCOL stage.

 

2) If I take my letter to my local branch would I still put the head office address on the letter and do I hand it for branch attention or ask them to forward for me to head office?

 

Please someone clarify these points for me or point me in the right direction. I want my money back before my baby is born in early May.

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Nationwide - won claim 

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.

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Hi mahharg if you arent claiming contractual interest then you dont mention interest in your prelim or your lba as you have rightly said however you must send your schedule of charges with both, personally i sent my mail recorded delivery and to head office so i knew it would get there, your local may lose it, and at the very least it will take a little longer to get any replies from them, hope this helps, good luck with your claim.

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Thank you George all questions answered ready to go think I will start new thread when I start my claim I think thats what mods like. (mahharg V nationwide). :D

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Nationwide - won claim 

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.

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I will keep my new thread updated what I send/receive/do. Reading other member's threads really help they inform others what to do where not to go wrong and what to expect. It is also a great inspiration for others in doubt like myself at first.

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Nationwide - won claim 

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.

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Some of the banks have been known to pay the money into a closed account but if they do this, just send them a leter stating that as the account is closed and you have no access to it that you consider them to have still not paid and you are requesting payment to be made via cheque.

 

Someone more knowledgeable will be along soon, if i am incorrect on any of the above

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Thanks Dolly I hope they dont because I won't even know it is there. I will just have to inform nationwide of my situation in every letter I sent.

 

eg

As this account is now closed. Please contact me to arrange alternative payment arrangements.

 

Surely they won't be able to make any mistakes with this little comment could they? :rolleyes:

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Nationwide - won claim 

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.

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Will do george. But when I receive the cheque If I have submitted my MCOL will I inform court that they have settled when I have cheque or when it clears?.

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Nationwide - won claim 

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.

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ok thank george it's great to know people like you are out there to confirm peoples doubts. I hope I will be able to help others if and when I can.

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Nationwide - won claim 

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.

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I have a similar arangement in place with MBNA CC where this had been sold off, but they sent the payment direct to debit recovery company who the debt had been sold on to. ( I also have a interest free payment agreement with them):sad:

HSBC - Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled

Nationwide - S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07.

Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled

MBNA - S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07.

MBNA Loan PPI - Pre lim sent 19-2-10, Settled.

MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10.

HSBC PPI - Pre lim sent 19-2-10, with Court

EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10

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I wouldn't have thought they can do that. I would have thought that once they sold the debt then it has nothimg to do with them.

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Nationwide - won claim 

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.

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I submitted my prelim today (23/1/07) letter claiming £445 to my local Nationwide who will forward it onto head office. they issued me with a receipt so I have proof that the letter is in nationwide's hands. There was a lady in the branch who overheard me. She said her sister was owed over £600 and didn't know what to do so I pointed in the direction of CAG.

Does the 14 days start today ie LBA to be sent 6th Feb or shall I give it a day or two to reach head office.

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Nationwide - won claim 

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.

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Send the LBA 5th Feb - would they give you a couple of days grace? Also since this is Nationwide and they either ignore you or send you fob off letters it's not worth waiting.

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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I know what your saying Roen you're right about not giving them 1 extra day but the 5th Feb would mean counting the 23rd as 1 day. I didn't submit till the afternoon so I will then give them until 26th just so they have no excuses about me not giving them the FULL 14 days should they submit a defense. Mind you from what threads I have read about Nationwide after claim submitted they then state they will defend then suddenly pay up. I have read other threads - (Natwest + LloydsTSB) and feel quite relieved that I am not dealing with them.

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Knowledge is Power

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Nationwide - won claim 

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.

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hi all please help if you can.

A couple of questions that is bugging me albeit premature but I know it will get to this stage. I have spent days if not weeks looking around the site but could not find clear answer to following.

 

1) I find filling in a N1 form just as easy for me than the MCOL and the court is close by, are there any Pros/cons by doing it the N1 route as opposed MCOL (does MCOL accept electron)?.

 

2) If I use MCOL instead of N1 form would I have to send anything to bank?. I have read other threads that people have sent schedule again. By this stage I will have already sent it twice with prelim & LBA (without the 8% added). I am aware that I have to include 8% when I claim but do I really have to send schedule to bank again and with the 8% again if I do should I send anything else at MCOL stage?.

 

I am not claiming contractual interest as we are talking about £10 max.

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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 - won claim 

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.

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bump

 

never used this

bump
before but hope it is the correct way just that I am hoping for answer to post 4.

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Nationwide - won claim 

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.

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Received my Fob off letter today. Interesting that it states

It may be appropriate for you to consider alternative banking arrangements.

This account was defaulted/closed in 2004 so I am guessing it is a templated reply:lol:.

 

Anyway hope some one can advise me. I took the prelim letter to my local branch. I was given a receipt and the letter was forwarded to head office. I addressed the letter to:

Nationwide Building Society

Head Office

Nationwide House

Pipers Way

Swindon

Wiltshire

SN38 1NW

It obviously got there with no problems hence the reply.

 

However the reply has another address on it:

Nationwide Building Society

Member Accounting Servicing

1st Floor Electra House

Farnsby Street

Swindon

SN2 1SR

 

Is it ok to send my LBA on 6th Feb via local branch and if it is shall I stick to the head office address (reached it's destination this way), or ammend it to show Electra House. Any advice will be appreciated.

 

Also any comments on post #4.

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Nationwide - won claim 

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.

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Hello all

When I work out my 8% daily interest it works out at (445 x 0.0022=0.0979). Would it be ok to claim a daily rate of 10p or would I have to put 9p?. Also if anyone can answer my qestions from posts 4 & 5 it will be appreciated. Just wondering if I am doing anything wrong because some people seem to get loads of responses to their questions and some including myself seem to get left untouched or is it just luck of the draw.

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Nationwide - won claim 

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.

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Hello Mahharg!

...if anyone can answer my qestions from posts 4 & 5 it will be appreciated. Just wondering if I am doing anything wrong because some people seem to get loads of responses to their questions and some including myself seem to get left untouched or is it just luck of the draw.

lol @ U

Don't take it too personally about the lack of replies to your posts!

It all depends who is online...

Whether or not they know the answer to any questions U ask.

...What stage of any Claim they have.

What they are doing online themselves (...i.e. Researching for themselves, just like U, yourself, have done!).

...and whether they have time to answer U. (...In my case, cos I type very slow, it has taken me 20mins just to type this far!!!)

 

U have done very well to have got this far and seem pretty clued up with the whole Re-claiming process.

Some people need more help than others.

MOST of the answers are out there...it's just a case looking!

People tend to panic and want to rush things.

....That's when they cause problems for themselves, by NOT spending their time doing the donkey work and following other's threads who have gone before them.

 

It is supposed to be a Self-Help Forum.

I would advise anyone who is wanting to Re-claim, to spend at least a couple of weeks reading and re-reading threads to get a gist of the whole process from START to FINISH before they even think of starting their Claim.

It is time well spent.

Has no-one ever heard of the "Tortoise + Hare"???

People always want to take short cuts and that's when the problems begin!

...e.g If it's recommended to write a PL then 14 days later send a LBA, then 14 days after that File your Claim @ Court.

...Why do some want to jump straight in @ the deep end without 1st looking where they're leaping???

 

[/font]

#4...

1/ MCOL is slightly cheaper than N1 (...U will be able to Claim your money back either way when U win, but for some on a tight budget the initial cost is critical)

County Court Fees

 

Some people find MCOL more convenient for them if they are confident with the Form filling requirements.

Others prefer the N1 route cos if they are unsure about something, they can ask the Clerk @ the County Court Office and get an immediate response.

Please note though that the Clerk can NOT tell U what to actually put on your Claim Forms...but can tell U where to put your info and give U an indication of the process.

Check out the MCOL website with a "dummy" run and see if it gives U Visa Electron payment options.

Her Majesty's Courts Service

2/If U have read that others have sent the Bank another updated schedule when they have Filed their Claim @ Court, is it not prudent to also do so?

...Would it cause U so much inconvenience?

Does the requirements of the Claim Form not give U guidance on this subject?

Please read the Particulars of Claim section:

Making a Claim

 

 

#5...

Bumpety-bump-bump!...:p

#7

Just submit an updated spreadsheet...the spreadsheet should work the maths out for U.

Failing that, follow the guidelines as per the link below.

How to make a claim

 

 

Hope all the above helps?!...we wouldn't want U to feel neglected would we?...lol...:)

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Thanks MTM I can stop throwing my toys out of the pram now. It must be my patience what with being off cigs for 3 weeks (gagging for 1 now).

 

BTW happy birthday 2u recently (see I have been reading other post). mine on 12th hope I get more cards than you :lol: .

 

replies to Post 5 was meant 2 b replies to post 6 but I will just go the same route as my prelim if it got there then no probs that way I suppose.

 

 

Check out the MCOL website with a "dummy" run and see if it gives U Visa Electron payment options.

Her Majesty's Courts Service

gonna do that. If I fill it out properly I can save it for upto 28 days so 14 days after I sent LBA if Nationwide don't settle:roll: I just click on submit claim done then.

 

Just submit an updated spreadsheet...the spreadsheet should work the maths out for U.

Failing that, follow the guidelines as per the link below.

How to make a claim

I done all that and it gave me a total it is just that when I fill in the calim form I will be quoting daily rate of interest of .0979p I just wanted to be assured that it is ok to round it up to 10p or would I have to round it down to 9p.

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Nationwide - won claim 

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.

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I have submitted LBA yesterday (6th Feb). I handed it in to local branch who gave me a receipt and stamped copies of my LBA. The branch will forward it to head office. My prelim letter was submitted the same way

Successfully so have no worries about doing it this way. Anyway response will be the same fob off.

Check out the MCOL website with a "dummy" run and see if it gives U Visa Electron payment options.

Her Majesty's Courts Service

 

I tried this and got as far as payment and it doesn't accept Visa Electron. It accepts Visa Delta, Solo and Switch debit cards along with credit cards.

 

I am worried though because I clicked on "submit" although I didn't pay anything I won't have my claim issued then be billed will I.?

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 - won claim 

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.

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Hi all

 

Pleease help !!!

 

 

Now I can't use My Electron on MCOL I have to use the N1 form route. The problem is The "particulars of claim" template does not fit in the form. How do I address this?

 

If I print it all on a seperate sheet of paper do I enter anything on the actual form?. I am assuming that I cross out "to follow" and leave "attached"

 

Would I put anything at the top of the seperate sheet of paper with the "particulars of claim" on?.

 

If someone could point me in the right direction pleeease.

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 - won claim 

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.

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