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Everything posted by haybaby

  1. i would carry on with the intial amount you sent the letter of for then when you get your money back send another letter asking for the extra charge refunded aswell. i have had another £200 worth of charges since i started so will be asking for that back after i win the first lot back.
  2. It depends on the date you sent the first letter with your charge to Nationwide. In my spreadsheet i sent i did form august 2001 to May 2007 and by the time i go to court it will be over the 6 years. People are claiming for account charges further back then 6 years theres one on another forum going back too 1991. I wouldnt worry as im not and you will still get your money. Just follow the steps and read as much as you can on here and the other forums and you will be fine.
  3. Hi what you need to do here is send in your Charges that you are claiming for and how you worked the interest out and any other info to back up your claim of the charges been unlawful. All of which you should find here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html i think there is a sticky somewhere telling you what steps to take and when.
  4. if i were you i would wait till the end of the week as they seem to pay the money in over a few days for some reason
  5. Hi guys Have been reading the forum for a couple of days now and thought i would post. Have been working off of one of the other forums upto now as theres loads of knowledge all over the place it seems. My story to date is that i have got all my charges and added them all up in a compond interest rate Excell spreadsheet for 6 years. I then added nationwides unathourised borrowing rate at 24.9% and the charges with Contractual Interst have come upto just shy of £14k the charges alone were just under £3k. Alot of interest as you can see.:grin: Bit concerned about this now but its too late really. I have split the claim into 3 to keep under the £5k MCOL limit for small claims and submitted them over a couple of weeks as and when i could afford it. The POC i used is below: The Claimant holds acc. no. xxxxxxxxx with Defendant. From xx-xx to xx-xx, Defendant debited charges iro of purported breaches of contract. Defendant has been supplied with list of charges and interest. Claimant contends: a-The charges exceed the Defendant's losses caused by such breaches; b-The Term permitting the Defendant to levy such charges is unenforceable under Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. c-If charges are a fee for a service, then they must be reasonable under S.15 of Supply of Goods and Services Act 1982. Claimant claims: a-Return of amounts debited of £xxxxxx; b-Interest of xx% - £xxxxx as per contractual rate of interest; Any default notices to be removed. Costs allowed by the Court. This should be ok finger crossed as others have used it. The claim as been aknowledged on all three claims from eversheds and they going to defend the the full amount. they now have until the 3rd July to submit there defence before i can request Judgement. Just hope i haven't messed up anywhere. I geuss its just the waiting game now:mad:
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