First of all I would like to thank all contributors for this excellent website - there really is a lot of useful information here that has helped me in my journey to claim back money. Unfortunately it has got to court.

I have just put in a MCOL claim for around £1300 (which includes the 8%). I have paid the court costs of £120. I have just printed out and signed the letter to the Court Manager, which I will be posting along with the schedule of penalty charges taken from me.

Is there anything else I need to do at this point or do I wait for the Court to get back to me?

By reading various other cases on here it seems Nationwide will only pay if it needs to so I see this taking the 28 days at least. I have not read too much in detail, but there is some interesting stuff in these cases and Im hoping to read some success stories in this forum when i get time off my work to browse further.

I will, of course, keep you updated on my progress as it happens, but if you think I have left anything out or need to do something immediately, please do let me know.

Thank you.

My claim was acknowledged on 11/06/07 and i now have to wait 28 days...

I do have a question though...

In the "Particulars of the Claim" I input the following:

"5. Claimant claims: (a) return of the amounts

debited of £1096.50; (b) Interest per S.69

County Courts Act 1984 of 8% - £292.32

continuing at 8% until judgment or settlement

at a daily rate of £0.24;

6. Costs allowed by the Court."

But aftwerwards, when they ask for 'the amount claimed' - I input the charges they owe me - £1096.50 and did not add the interest amount of £292.32? So at the bottom of the page, this is what is displayed:

This does not take into account the interest of 8% I mentioned in the particulars. But there was a tick box to say whether I wanted to claim back interest and I had ticked it. It is not mentioned on the pdf of the claim though. I'd be interested in knowing whether Ive done this right or not...

Thank you.

Has anyone got any answers to my question?

Someone help me out please...

I have no idea, but may a quick call to the MCOL helpline would clarify it? You might need to pay to put in an amendment. If so, they'll be able to guide you through the process.

K.

I have won all my money back!

The 28 days is up tomorrow, 9th July. On Friday, 6th July, I arrived home to a letter from Nationwide telling me:

"I'm now able to confirm that we've refunded £1096.50 in charges and cancelled £2.52 in pending charges on your account. We have also credited £120.00 to your account to cover your costs and a further £292.32 which represents interest calculated at the court rate of 8% from the date the charges were appled to the date of the refund."

I am overjoyed. A note to all those trying wth Nationwide or any other bank at the moment - do not be afraid or lose hope and keep going with your claim - fllow through with the ample, good advice given on these forums and you will get your money back. I will be donating some money to this website for helping me out. Thank you very much:)

Congratulations!!!

Just make sure that YOUR money has been Credited to your Flexaccount BEFORE U notify the Court that your Claim has been Settled in Full.

no probs, I received a letter from Nationwide and they confirmed they had refunded the charges - and I also phoned them up and I was told my account was in credit