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campino

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  1. Hi Thanks for your email I have been in correspondence over the last few months with Abbey regarding my current account, with them predicatably stalling etc. I have copies of all the bank charges though so I am ready to go to the court stage with this. I also have all the details of the bank charges on my closed account (1990-1999) as I kept all my statements. So I just need to know whether I should combine them and treat it as one claim (I have all the details I need), or whether there is a reason I should treat them seperately (The current account charges are within 6 years, the close account run as far back as 1990) Many thanks
  2. Hi I have a current Abbey account with approx £800 worth of charges + interest to claim back. I also have a closed account with approx £500 worth of charges + interest to claim. This old account ran from 1990-1999 but i kept all my statements so i have proof. Do i make these claims indivudally or group them together? I am ready to go to the online court phase so want to make sure I get it right! Many thanks
  3. Hi all I was wondering what company are best to use for a DMP? I am assuming its best to use one that doesnt charge any sort of fee? I know that the CCCS are one - are they any good?. I have also heard of a company called MyVesta - are they worth trying? Any advice, greatly appreciated! Many thanks Campino
  4. No worries Least I could do with all the advice & help you have given me! Have a good birthday drinks :grin:
  5. Well i genuinely was intending to restart DD at a later date with company! (although in the end it was easier to cancel and then start new policy at later date - although Bank dont need to know this!) Cheers for advice - i will ring them again this evening and see if i get any joy
  6. True But the DD page says "You can cancel a Direct Debit at any time and the process is very straightforward. Simply contact your bank or building society, if this is by phone or internet, written confirmation may be required. We also recommend you notify the organisation concerned. Your bank or building society can make the cancellation up to and including the due date, but try not to leave it until the last minute or you run the risk of a payment being made. Remember that cancelling the Direct Debit simply stops paying the organisation. If you carry on receiving the goods or service then you will have to organise an alternative payment method."
  7. Im pretty sure i asked them verbally to cancel the DD but still! We shall see! Thanks for your help on this!
  8. Going into the Branch might be better! The crux of their argument seems to be that I only cancelled the DD with the Third Party company - because I didnt specifically ring them, they seem to be taking the view that 'how are they supposed to know' The other issue is that their insurance means they can claim back monires wrognly claimed by DD's from the third party company, but I guess the actual charges are excluded from this.
  9. There argument seems to be that the actual amount taken would have been covered, but as the DD was refused, i never 'lost' this amount as i never paid it in first place (due to DD being refused) The actual charge seems to lie outside of their responsibility - they claim that I can obviously claim the charge back from the third party company as its that companies fault that the DD charge was incurred. Nationwide seem to be saying that they are only responsible for the actual money itself - so if they had paid that out in error, they would have to refund it etc. But the charge is not their (or mine) fault but the third-party company What do you think?
  10. Cheers And this applies to the actual unpaid DD charge? The third party company paid me back the actual amount they took, now its the actual charge that Nationwide put on that I am disputing!
  11. Nice one I will give em a call and see what happens! Cheers
  12. Just a question regarding Nationwides policy at the moment I am in the process of claiming back charges from banks and credit cards (managed to get back about £1250 so far J and still have more to claim!) Anyhow, whilst I have been doing this, my current bank, Nationwide, who up until now I had no issues with, have hit me with 3 x £30 charges for refused Direct Debits & Standing Orders. I have had no previous charges with them as nowadays I am a lot more organised with my money. (The charges were the result of a cock-up – partly my fault, partly third-party company trying to take money out when they shouldn’t have.) Obviously, as I am quite well versed regarding the whole claiming back charges issue, I firstly rang them up to try and persuade them politely to refund them. Interestingly, polite as they were, they are saying now that Nationwide is point blank refusing to refund any charges (unless it is an error by Nationwide) they apparently have adopted this policy since Oct 05 (although I am sure they have paid out to people since that date) and they haven’t even altered their charges down to £12. I made several phonecalls at different times and spoke to both customer service bods and supervisors but they all seem to be singing from the same song sheet. I imagine its all bulls**t and that Nationwide will pay out like the rest, but I thought I best check that nothing has changed that I don’t know about. They are my current bank and its only £90. As (apart from this) I like banking with them, I may let it go (charges are over 2 months span) as I have plenty of bigger fish to fry so to speak. As a precaution though, I am also in process of opening parachute account. What do you folks think? Cheers
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