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About petewill19

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  1. Thanks patdavies. The fact that there is legal precedence reassures me that it is worth fighting this one, but in the first instance I will write to the Chief Constable enclosing copies of photographs and ask that the FPN is withdrawn on the basis that the road markings and the sign are inadequate. I will point out that I am prepared to let the courts decide but it would be a waste of everyones time and money if it was allowed to progress that far. I know of other FPN's being withdrawn following a written appeal in this way so it's certainly worth a try. I will also, as you suggest, questio
  2. Last week I parked in a hurry to get to the bank before closing etc etc. and left the car off the road with the nearside wheels on a section of what should have been double yellow lines. I say should have been because the outer line was indistinguishable for the length of where the car was parked. There is no footpath as such and I was not obstructing the road. The 'No Waiting' sign on the nearby lamppost had been turned 90 degress and was not visible from the road side. It was also daubed with paint and partly obliterated. I took photographs at the time of finding the ticket showing the car p
  3. I was sorting through some paperwork today and discovered a mortgage redemption statement from Kensington Mortgage Company for a mortgage that was settled in 2002. There are a number of items listed on this statement including sealing fee, sundry debits, solicitors costs etc but two items stand out - one is Interest of approx £1500.00 which I believe is justified as a statement of normal interest charged to the account. The second is 'Redemption Interest' of approx £5500.00 and would appear on the face of it to be a penalty for repaying the mortgage early (even though - as I believe - there wa
  4. Hi Megellan Based on threads I have read over the months, this is standard for NWide i.e. poor communication and you may well find that they will need to be prompted into action as there have been more than a few S.A.R.s that have exceeded the 40 days recently. Hopefully for you, they will be getting their act together and dealing with the demand and you won't be kept waiting too long. Good luck
  5. Hi pears 23! It's the usual nonsense from NWide I'm afraid i.e. total lack of meaningful communication. In common with many other peoples claims my charges were refunded 20+ days after acknowledgment with no warning , no letter informing me it would happen etc etc - it just started appearing in my account and then approx. a week later a letter arrived advising me that the refund had been paid and a breakdown of the charges, interest, court fee etc. Some claimants did receive a letter telling them basically that they (NWide) would not refund their charges and the money then appeared a coup
  6. Hi Gazza01 Just in case........when I was totalling up my charges I initially made the mistake of including the figures from the 'notification of charges' sheets that accompany each statement. These are issued with the statement in the month before they are actually applied to your account. Including these figures in effect doubles the total that you can actually claim and I realised my mistake before I sent anything off to Nwide. I believe others have made the same mistake and thought I should point it out........just in case!!!
  7. Hi monkey_man This a just another version of the standard FOB off letter which you should ignore. If you are following the tried and tested procedure in this forum, the next step is your Letter Before Action which you should send 14 days after they received your preliminary letter. Stick to your timetable and don't allow them to divert you with their tactics. Go for it!!!..... and good luck
  8. Hi skwest Welcome to the Nationwide forum. You will find lots of useful info here and plenty of people willing to help you through the process. Keep reading through lots of threads, take a lok at the FAQ's, and follow the step by step instructions and you shouldn't go wrong. In answer to your two questions; 1) Nwide will only pay up after you have filed a court claim. Recent successes against them suggest that it will be right down to the wire (in terms of court deadlines) before they cough up!! In the meantime they will use all manner of delaying tactics to try and put you off and '
  9. Hi EIDel There's no need to start the whole process again. If there are more charges to add to the claim send in another LBA pointing out that due to these added charges the amount claimed has been revised (you don't have to tell them how much interest is being added - that goes on the MCOL particulars of claim). Then prepare your court claim ready to submit after 14 days. It is unlikely that you will get a positive response to the new LBA although you will very likely receive another FOB off letter and maybe a suggestion that you take up the 'complaint' with the FSA etc etc. Ignore all o
  10. Hi James2001 There's no such animal as a reputable, reasonably priced 'No win, no fee' service. They are parasites in my opinion, charging vulnerable people silly money for something that in effect costs very little!! I guess it really depends how much you want the money back!!! I am incredibly busy with work/life/family etc etc. but I felt, having checked through my statements, that is was worth putting aside a few minutes here and there to feed all the charges into a spreadsheet (which then very easily/quickly does all the calculations for you) write a couple of letters using the temp
  11. ......and it makes a big thing about being PROUD TO BE DIFFERENT when in fact it treats it's customers no differently to any other profit making, shareholder-driven financial institution. It will be interesting to hear what 'members' have to say at the next AGM about NWides policy regarding bank charges and a recent statement from their Chief Exec elect. Anyway....sorry Poppy, mustn't hi-jack your thread to air my opinions any more. Hope you get what's rightfully yours very soon.
  12. Hi again Poppy07 Yes - just like that. No warning or anything!! A letter followed in the post about three days later saying how much they had paid and what they had paid (charges, s69 interest, court fee). It also went on to say that if I wasn't prepared to abide by the T's & C's in future that I should go and bank elsewhere - or words to that effect anyway
  13. Hi again - seems that you've already had a similar reply during the time I was interrupted mid-posting. Anyway I'm not so sure that NWide would accept it as a 'legal' defeat. They're simply not prepared to go into court to justify their charges and would probably argue that it would cost less to settle out of court as they currently do. They still believe that people will be too scared to take them to court - not us though eh!!! Go for it as Kelly101 says!!
  14. Hi Spiff500 I'm sure there is no reason why you shouldn't start a fresh claim for the recently added charges. There are no legal reasons to stop you. One thing to bear in mind is that after your current claim is settled, you will get a letter from NWide telling you that if you are not prepared to abide by their T's & C's in the future you should consider banking elsewhere etc. Starting another claim would therefore very likely result in them closing your account. You've probably set up a parachute account in any case so that shouldn't make too much difference
  15. Hi Poppy07 I would wait a few days before you do anything else. My claim was recently settled after 21 days, several others around that time had a similar wait before being paid and there are currently quite a few still waiting for payment having gone beyond three weeks. Your claim will be in the queue and when you get to the top of the list you get paid!!! It could go right up to 28 days though.
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