This topic was closed on 10 March 2019. 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

Welcome When you say standard 8%..It comes to £152.00 ? if you are just adding 8% on the total(£1.900 )...If your charges go back a long way am sure it should be more than you are claiming...You claim back 8% per charge per year..Do check this , there is a calculator on site(nor sure where..) to help you with this.Dont let them have a penny that belongs to you..Also again please check your wording (from the library on here ) for your N1 form it really needs to be spot on with the laws your using to claim back..

Go on this link look in the purple box to your left,click forms and guidance..You will need an N1 and an EX160,The EX160 will tell you if you need to pay a fee or not..You can fill in and pay online with money claimonline or fill in and print off the forms(from the forms link) and go in person to courts (be sure of your wording both ways..Its very important ) Info about - County court bulk centre - money claim online Yes the bank could pay your reclaimed charges into your account,at least it will lessen you debt,Yes claim back from Nationwide,they are penalties,Your loan may well be persued through court,make them an offer of regular payments that you can afford to avoid that,Have you added interst ? do so before you file your claim,it will bump up the total.Please take you time with your claims either way you go,better to ask than get it wrong.

I agree..That happens all the time on here and penaltycharges...Its so sad..human nature at its worst.. Also sending good thoughts your way too Maroon Fox , and to you feefofum for speaking up..

Hi MF i have your correct details now.i have sent what was in my paypal account..I hope more chip in for you.What happened to you could have happened to any one of us.. All the best Lizzie..

It must be me...Is any one else gettin the "invalid E.mail address message" when they try send money..???..am not worls best pc user,but i tried 5 times now..

My heart goes out to you......please put your paypal address on here for us all..or PM me it..i have a small amount in mine you can have...not much but am sure you will get more of the good folk on here and penalty charges has a link to you now so hopefully we all over there will try help you to....best wishes..Lizzie47.... :-(

OMG....Cant bare it..the suspense...so cant imagine how you feel.....on edge o seat till the morrow.........ALL THE BEST.........xxxx

Been thinking :o maybe its not that easy to open an account...under the name of.consumer action group,Or bank action group.bit of a hot potato eh,Sorry Ill get my coat .. Dont mean it but could be hard i bet Lizzie :-|

Ohhhhh Ace.. Ill watch out for that.be a pleasure to go overdrawn for you my dears.(An claim it back of course ) Get amove on you keep telling us its easy peasy.. Lizzie (waiting to try internet banky stuff )

Cheque (well postal order ) in post..I know its proberbly been asked loads of times so forgive me if some poor soul has answered loads o times..Can a bank account be set up quick, just anyone anywhere for now an details posted i would as maybe others would set up a SO (am learning bookworm ) a small monthly or weekly donation would make a huge difference..A lot o littlies will soon add up ???

Flipping heck feel so selfish now.Been waiting for refund,It should not have had to come to this with all your members winning back so much...Why people dont give a bit back is beyond me it realy is.. quite upsetting reading through posts.To be honest i have seen the donate buttons and made big red mental note to do so ,and have your adrress for postal orders cos i no cards or cheques.I will send what i can tomorrow split with you and another site i have used(sure they be in same boat soon)And my promise of 5% minimum or more if i can when i am refunded..And huge thanks to you... I know i will be refunded...I am so sorry chaps/chapesses for not realising how things are.Doing envelope NOW In post tomorrow pm...WHO,S JOINING ME Lizzie xx

Hiya West Just back from taking my sons an my own"give it back or ill sue"letter i did not put break down wiyh them nor did i include this in my o/h one realy dont think you need worry...unless we both now up swanny of course Have seen answer to this somewhere Cant find it now:(But if i remember you dont need to break it down for the bank just for the court.(not even sure you have to for them realy either court will tell you for sure)Do remember solicitors aking for break down when pretending to defend a claim.Hope some one more possitive than me comes along soon.. And yes west my o/h and both sons gene bypass in the finance dept..and the ironing,cooking,cleaning,shopping,etc.etc. Hope this helps Lizzie

Hiya My o/h did not put a head office address,just the branch one.it does not seem to matter as it gets where it needs to,He got swift bog off reply anyhow.then a realy bog off 2 days later so..it got where it was meant to:lol:.. Sleep well got a date with sandman myself ;-) Lizzie

And better...(If a knew how to put little chap rolling on floor laughing i would have) Lizzie:lol:

- but it's definitely what I'm thinking of doing when I get my refunds - I need to get back control of my money and stop funding the bank's boardroom! Here Here learning more every day thanks for your time and imput it realy helps:)

Thanks jeep n wife Yes bet it would be better to pay as bill is due like "olden days :grin:".Forgive me for being thick but will that mean paper statements or would they bill you via"tinternet" Yes i was thinking you would still be charged for a missed or late payment by SO an bet it not much less if any cheaper than DD,But then i suppose you would not get hammered from other side for it not being there to take ! think im whats termed a silver surfer and have a lot to learn bout technology,an banking.thanks all for enlightenment

Thanks for that Dave Fantastic I LOVE IT YOU GO DAVE .This just gets better and better.. oh my are the big greedy giants going to get some back(with interest:-D) cant wait for my turn.. Still waitng for statements:evil:

Along similar sort of thing,on totting up your charges ready for court...If you should over estimate the charges "by mistake of course" that the bank owe say by couple of hundred would they bite the bullet,and give you the money,or go to court ? As up to press very few want to go to court,Could it be a way of making them attend ? just a thought.. As i saw somewhere an answer to some one who had got it wrong an the reply was "oh leave it its up to the banks to defend it an as they wont go to court ?) Am not sugesting folk bump up the claim at all,Just one o them things buzzing round my head when i try go to sleep.Can tell whats upermost on my mind eh;)

Great thankyou in advance of me having funds,will pm you Cheers LIzzie:-)

God sorry Paul Muck on specs thought you were paula.... all the best.. surely the only way is up now hope so....

Hiya Paula sorry bout your situation what a bummer I found along with the C.A.B ,A visit to your local welfare rights is helpfull they very hot on benefits,if you have one hope so ,if not then maybe a phone call to the nearest,Good luck Paula

This site and the folk that run it are wonderfull,Where on earth else could you get such advice and support for nothing.I like the new donate bit at the bottom,But will we need a credit card or debit card to donate that lets me out if so, and i so want to contribute when i have anything to give.Not many of us members i suspect could have a hope in hell of fighting the banks let alone winning without your help and wisdom...If any one does take advice an then says thanks tara,They should hang there heads in shame:mad: so what can i an other basic folk do to contribute if we aint got card or cheques I will when i can folks "I.O.U a substatial donation Lizzie"

Thanks cornflake Suspected it would have to be same amount each month at least thats the mortgage,gas,lec,t.v licence,tinternet(by heck would sell kids first before that goes now)that i can start with, which dont leave a lot phone,(on it to change to reg outgoing)water rates,ill ring them, think thats it then,As you say though banks still have it stiched up for charges,But not for long i hear you all say Out of interest have you been on the penaltycharge site ? "Bankhell" going same route as you with sky Thaks for taking time out to reply ill keep posting

Hiya Yes maybe they will , but then again how many accounts are they going to close am sure along with the rest off the banks they are being attacked from all ends (bout time to i say) But just in case yes open another account,I have dire credit record of late an have gone on line for nat west account for me o/h an son,was very easy(even for me am very new comp owner still got "L" plates ) Heard the step account basic but hey im basic too.Worth a go id say.