Hi all...just another quick question, got back my forms the Northern Ireland Courts which I have to sign before they will serve the claim. However as with the MCOL I've had to shorten the particulars of the claim to fit the 2000 character limit, but can I send the full version back with these forms? Similarly, I'm unsure when to send in the schedule of charges - with these forms or at a later date, can anyone advise? cia35

Hi everyone...a quick question. I submitted my claim online via the Northern Ireland Court Service but it uses something called QAS to identify the proper address from postcodes. The address included on my claim is - NATIONWIDE BUILDING SOCIETY Ground Floor A Nationwide House Swindon Wiltshire SN38 1GN There are a number of different "addresses" for the registered postcode but these are for different floors. Would anyone know if this will affect the claim if the exact registered address wasn't used on my claim. Any advice, please.

Hi all...received standard letter yesterday, just on the deadline for one of the prelim letters, nothing as yet for the second. Sent 2xLBAs off today stating my intention to claim contractual interest as well! Hopefully they'll find 2 claims waiting for them when they all get back from Christmas break! Keep yous posted! C

Sent off prelims today registered post...2 separate letters for the 2 accounts..all comes to £1690, as they were "nice" emough to refund some of it a few months ago. Keep you all posted! cia35

Help please....I need advice on entering data in the spreadsheets. I've used both the complex and Mindzai's spreadsheets. I'm going down the contractual route with regards my claim but I want to get the figures right. In Mindzai's spreadsheet, it states that the date entered for the penalties is the date they are actually applied to your account. I had previously just used the dates stated in Nationwide's Notice of Charges summary provided with each statement. I know these are then applied 21 or 28 days after the date of that particular statement, will this affect the totals entered for the spreadsheet? cia35

Hi all, well I finally received the statements on Saturday from the Nationwide. They didn’t come in a nice binder which some others seem to have received (must be running out of them I guess) just a bundle of photocopies tied together with an elastic band… but glad to finally get them in any case! I just wanted to check the contents of the covering letter to see if it is a similar response to what other people have received. The letter itself is a bad photocopy with my details on it (they kept the original?) and they also mention an earlier response by letter (27 October) which I never received, I suppose I’ll have to chase this up. The letter starts… Further to our letter of 27 October 2006 please find enclosed a binder with the information as per your request. There are many events in the history of an account which involve manual intervention. Over the course of the last six years, manual processes may have been applied to your account in order to ensure the smooth running of your facilities. If you have conducted any of the following activities, some degree of manual intervention will have been involved, however, please note this is not an exhaustive list, but will provide guidance: [there then follows a list of activities which pretty well cover every aspect of operating a current bank account, these include account opening, deposits, cash withdrawals etc.] Is this a standard response? I’m presuming it mentions the manual interventions as a way of justifying the penalties. I’ve calculated £1705 in penalties on both accounts but there are more to add. cia35

Hi all...checked with Royal Mail and Data Protection Act delivered 24 Oct and my online account says cheque was cleared today, 30 October. Can I just check is it 40 days from cheque clearing or from when they received the letter? Also is it 40 days or 40 working days? Thanks for any advice, cia35

Posted my Data Protection Act Subject Access Request letter today via registered post! cia35

Hi all...I've been meaning to do this while ago but I've been pussy-footing about for too long now. Just heard from A&L that they have accepted my application for a new account (my parachute)...so once it is set up properly with my direct debits and salary all sorted out I'll finally ask Nationwide how much they've cost me over these years. In the meantime, I've been having 'discussions' with them [Nationwide] about these charges and have had some 'goodwill' gestures of partial refunds totalling about £150, with further charges cancelled. This was all well and good several weeks back as I thought I might be able to get these charges back by attrition through the odd phone call to customer services. I not sure how much is owed possibly between £1500-2000 but charges totalling over £750 were accured last year alone between my 2 Flexaccounts. Unless its my attitude or an avalanche of requests from subscribers to this site but their tone has changed in recent weeks from being helpful to just plain obstructive. One recent letter offering a refund of £110 charges was received but the refund wasn't forthcoming...when I queried when this would be they [customer services via online banking messaging] flaffed around abit before responding that I should write to the address on the original letter (how many addresses does customer services in Swindon have?) Am I being paranoid or have others experienced a more menacing air from Nationwide staff following charges queries? By the way, regarding the penalties, can the 'misuse of card' charges be considered unfair bank charges? Thanks for any advice and comments. cia35

Hi everyone, I'm thinking of starting an action against Nationwide, who I've been with for nearly 18 years now. I know I'm not their best customer but through some oversight by myself I've just realised 8 direct debits have 'bounced' since the beginning of the month and the thought of coughing up over £200 for the previlage is leaving me slightly sick. I've got no idea how much Nationwide has charged me over the years for returned items but with this sites help I hope I can find out. Just one thing though before I start, is anyone aware of any legal differences between Northern Ireland and the rest of the UK in relation to the Acts these banks are breaking. I'd hate to start something and find out that we are a special case...as we are with most other things? Any advice would be greatfully received. Best regards,