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  1. I have spoken to the courts and they said there has been no out come from them yet so..till then nationwide will have to re open their case with me.. so I just have to wait because there is such a back log. thanx for advice though
  2. can some one please help me !! I had taken my case with nationwide to the courts and had been waiting well over a year for the out come. I have just found a letter from january which I hadn't noticed. It states. I am writing in responseto your complaint about flex accountoverdraft charges. As you will be awear from earlier letters sent to you, Nationwide(together with a number of otherbanks) has been involved in a court case with the offi9ce of fair trading(OFT) about overdraft charges. Whilst the court case progressed, we were allowed to put your complaqint on hold by the Financial Services Authority (FSA), who gave us permission to suspend the normal timetable for dealing with your concerns. As the court case has come to an end, we are now in a position to respond to your complaint. We believe that your complaint was about the level,fairness of Flexaccount overdraft charges. the courts have ruled that thees cgarges cannot be considered to be penalties under common law and the amount of the charges cannot be assessed for fairness under the Unfair Terems in Consumer Contract Regulations (UTCCRs). We do not therefore believe there is any legal basis on which the amount of these charges can be challenged. We are satisfied that the Flexaccont charges you were asking to have refunded were properly charged and the outcome of the court case confirms our view. As a result , your complaint has not been upheld and we will not be refunding the Flexaccount overdraft charges you have complainede about. I hope that what I have told you has explained our postion. However , if your complaint relates to an issue of fairness other than the amount of the charge, or if you believe that there are other factors that should be taken into account of the charge, or if you believe that there are other factors that should be taken into account in the way we have considered your complaint, please let us know by providing further details that we can review your concerns. If you are still not satisfied, you may then approach the Financial Ombudsman Service for an impartial, independent assessment of the situation. If you do not come back to us within 2 months of the date of this letter, we will close our file. The letter is dated january ( so does that mean it's the ends for me. I didn't recieve anything from the courts to notify me of any outcome. Can anyone please advise me
  3. phone calls at 9 on a sat morning !!..they are driving me crazy !!.. I don't know how to move this thread so if anyone can do that for me would really appreciate this..aaaahhhhh !!
  4. I can't remember but when I returned the car I did sign some thing..not sure what now it was so long ago. So what do I do now ?..they keep ringing me..Shall I go to citizens advice ?
  5. hi I remember at the time I paid by payment book and was told that I would not be able to return the car unless I HAD paid half the amount and everything had to be paid up to date as they would not take the car. So I asked them to check and they said I could return the car.
  6. Also I have no idea how they got my new address and phone number as I'm ex directory..and also leaving messages for my children to ring them
  7. hi there I brought a car from yes car credit in 2004 after paying it for a 3 years i couldnt afford to keep it. so after paying what i had to pay in order to be able to return the car i thought that was it. I was then sent a letter saying i had to pay an extra £699.01 this im not sure what its for, then was told by them it was admin fees. so I ignored it because as far as i was concerned all i had to do in my agreement was to pay half the amount that was on my agreement paid up to date then i could return the car owing nothing. I had since then moved and now im being harrassed by a second company called clarity for the money..harrassed by numerous phone calls and letters..they were extremely unhelpfull and rude. As i didnt have any original documents i sent a CCA request. I am none the wiser the statements show the opening balance was £8259.84 and last was -2256.64. on the original document : 2.2 Termination : your rights You have a right to end this agreement.If you do wish to do so,you should write to the person authorised to recieve your payments.We will then be entitled to the return of the goods and half the total amount payable under this agreement, that is £3672. 72 If you have already paid at least this amount plus any overdue instalments, you will not have to pay anymore,provided you have taken reasonable care of the goods. I'm really angry as I feel they are just trying to bully me into paying for admin fees. I'm adament I won't pay this and the last time I spoke to clairty they were threatening to send some one round to see me. I'm a single mum on my own with 3 kids and I really don't want anyone threatening me in front of my children. Can some one please advise me on what I should do as ive already recieved another letter from clarity and my phone rang all day yesterday, which im sure it was them.
  8. hi can anyone help me ? I started court proceedings against nationwide and im still waiting for the courts to let me know the outcome OVER a year ago ! Is this normal ? Iv phoned the courts 6 months ago and was told that i just have to wait as there was some big case going on with regards to charges and i would be contacted as soon as they make their decisons. Anyone give me some light on this ?
  9. i'v sent my first letter of 2 months ago..a couple of weeks ago a recieved a letter with a schedule of charges:mad: thats not what i requested..i'v tried phoning them the line is always of engaged..managed to get through to someone who assured me i would get my statements in the next couple of days..still nothing they are taking the ****..i'v spoken to someone in customer services today who told me they will send me my statements in the next 7 days..i'v taken their name as record... what shall i do if i still don't get them?
  10. I'm not convinced what they have sent me is a true list off charges because I can remember in some months there were quite a few charges and yet in the list there doesn't seem to be many???...I think this is their new way off getting out off paying people back what they really owe them? So can anyone suggest what I should do next...I've tried ringing them and the line is always engaged:(
  11. iv sent a letter with a cheque for 10.00..they'v cashed it and iv received a letter with a list of charges ..no statements..what do i do next?
  12. thanx for the advice.. its not a huge amount of money 156 pounds...do you think i should still take them to court? im quite happy to do it..if i get the money
  13. Hi Iv Received A Refund Of Half Of What I Want Back.iv Sent A Letter Saying I Would Only Accept This As Part Payment. Barclaycard Have Sent Me Another Letter .... Dear ........ I Note That You Are Dissatisfied With Our Offer Of .... However Our Position Remains That We Believe It Is Fair When Customers Break The Terms Of Their Agreementwith Us, We Recover The Costa. Therefore.i Am Not Prepared To Consider Your Request For Any Further Refund. As Previously Advised When Your Barclaycard Account Was Opened , You Signed And Agreed To Our Terms And Conditions And This Included Details Of Our Charges. The . The Information Provided At Application Stage Clearly Explains Our Obligations To Our Customers, As Well As Their Obligations To Us..........blah Blah Blah Can Someone Advise Me What I Need To Do Next?
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