Oh thank you for replying, I’m going to look into that I feel I should be able to get something even if it’s the low rate x

Oh ok that’s a shame, thanks for your help

Sorry should say ni conts not no conts

Hi thank you for your reply, I was working in those years , I didn’t pay conts because I was below the threshold but had the option to pay no conts at the low earnings level so if I did this would they be class 2 conts , I’m very confused * x

Did not pay NI conts in 14/15 and 15/16 as I was below lower earnings limit. I am now unable to work due to a health condition. If I opt to pay the contributions for both these tax years is it likely I will then satisfy both of the contribution conditions for an award (I know I am not entitled to income based as my partner works). The second condition is really confusing me!!! The guidance online says:- You qualify for contributory Employment and Support Allowance (ESA) if you have paid sufficient National Insurance contributions. There are two contribution conditions you must meet: First contribution condition - in one of the last two complete tax years, you must have paid Class 1 or 2 contributions on relevant earnings at the lower earnings limit for at least*26 weeks. This means you must have worked for at least 26 weeks of the last two complete tax years; and Second contribution condition - in both of the last two complete tax years, you must have paid or been credited with, Class 1 or 2 contributions to the value of 50 times the lower earnings limit. Anybody?? Please

Good luck with that MF - if Cobbets ticked small track then presumably they weren't expecting and did not claim costs - I hope you manage to get the costs cancelled mate I really do all the best x

Hi how much was your claim for they have been dragging mine out since about August last year (£1700) x

Hi if there is a class action or fighting fund I would be willing to join in as well

maroonfox i am so sorry I will also make a donation if you publish your paypal address - chin up mate x

Please can someone help me witht he wording I need on a court form. I am claiming for part known amount and part unknown amount . I have sent Abbey the relevant letters I have only got some of my statements and they have used the microfiche argument to deprive me of the rest. I have already complained to the ICO and have sent Abbey the LBA and now their time is well past up and I want to file my claim without further delay in the hope I get some much needed money back before Xmas. I will be filing in person as I am exempt from the charges being a disabled single mum on benefits any help please with wording would be much appreciated as I dont want mess up at the last most important stage. Thanks in advance

Thanks very much I will use this when I make my claim - a bit busy at the mo with a couple of bank penalty charges claims but when they are refunded I will start on the mortgage ERC - thanks again x

Hi Got my refund plus interest and costs almost £1000 in total and guess what 30 days notice to close my account and if I try to use it after 30 days they will take court action against me for fraud - can you believe that the cheeky so and so's Am I bovvered - definitely not I have another accouint I can use and I am almost a grand richer so Nwide can get lost

Hi I took action against Nationwide and got a couple of eltters warning me they woould close my account but yesterday got a letter saying they have refunded my charges and no mention of closing my account - I have checked my balance and they ghace so far paid my court costs and interest but niot the actual charges so will hopefully get them on Tuesday - just wondering if the letter to close my account is on its way - not really bothered as I have another account elsewhere that I can use

I got exactly the same letters from co-op bank so I filed claim online after 14 days co-op acknowledged and said they were going to defend but then paid in full about 5 days later inc costs and interest (£1026) so stick with it you will get your money soon

I got exactly the same letters from co-op bank so I filed after 14 days co-op acknowledged and said they were going to defend but then paid in full about 5 days later inc costs and interest (£1026) so stick with it you will get your money soon

I have had the same from Nationwide but so far have not even had a response of any kind from 14day letter to NatWest - dont care either as long as they give me the money back I will take my business elsewhere - fine by me

congrats I am taking on NatWest for my o/h £768 I sent 14 day letter on 14th August and have rec'd absolutely no response whatsoever (sent it special delivery so I know they have rec'd it). My o/h thought I was deluded when I started this but after winnig back over £1000 from co-op and £250 from Abbey he has changed his tune a bit and is now eagerly awaiting his money back

I got the court document thro today telling me the claim has been served and N'wide intend to defend in full - not scared this is what co-op bank said when I claimed against them and 4 days later they settled in full inc interest and costs - bring it on Nationwide

I took out a mortgage with Cheltenham and Gloucester in 2002 it was a 5 year term and the first 3 years were discounted. I paid it off after 3 and a bit years and had to pay an early redemption fee/penalty. I understand that the C and G will have lost out on interest that I would otherwise have paid if I kept the mortgage but I am sure they will have either invested the lump sum I paid back or lent it to someone else so I do not see how they could have suffered any actual loss or costs. Is it possible that this type of charge is a penalty and covered by the same rules as bank charges in which case could I claim it back and has anyone else claimed back this type of charge and won.

hi yes I know they make me really angry and upset I got another letter from them today tellin me the same thing that they have investigated and their charges are fair transparent etc and if I cannot agree to their terms and conditions now is a good time to look for alternative banking facilities - the cheeky so and so's They have also sent me the banking ombudsmans leaflet Thing is I have already filed online claim (14th August) and they have acknowledged it so we will wait and see what happens next

Thankyou for your reply, it is reassuring to know I will have a bit of time - I do have other accounts that I can use so I am not bothered other than the messing about changing everything over DDs salary etc

Hi I am new to this particular but have been claiming penalty charges back with help from another similar site. I have recently sent a letter to Nationwide asking for my penalty charges to be refunded and they have said no their charges are in their terms and conditions and if I am not willing to accept their terms and conditions I should look for alternative banking facilities. I have filed a court claim (17th August) which they have acknowledged and I am just waiting now to see what happens. Having read through a few other threads it seems that they will close my account - but do they give any notice of this and give you time to sort alternative banking out

I sent a SAR to Natwest for statements on 3 accounts. Statements for 2 of the accounts have turned up but the 3rd account hasn't. The 40 days is expired should I now report them to IC

Well done I wrote to co-op bank on 8th June asking for a refund of almost £1000 in charges since last September. I have rec'd a letter today telling me they are investigating and will respond in 6 weeks - I feel like this is a delaying tactic and dont know whether to write back and tell them I am not willing to wait that long what does anyone think Thanks

My bank have written to me in response to my initial claim for refund of charges and have said they need to investigate fully my claim and will respond within 6 weeks - they have already had 2 weeks - should I wait another 6 weeks or should I write back and say they can have another 14 days then I am going to court