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Everything posted by Bankershost

  1. I have had both my CCJs set aside by the courts. Experian have removed one but are refusing to remove the second even though I have checked the Registry Trust's records which now show that there is nothing registered against my name (and told them this). I have just noticed that when removing the first one, Experian had removed the wrong one and now having received notification from the Registry Trust to move the second they are refusing to remove because the case numbers don't match. OMG Credit Experts I wouldn't trust them with a shopping list let alone my credit data. I have had
  2. Signed....They have been given far too much slack
  3. Hi BankFodder, I phoned Nationwide today and it appears that my account was never terminated and is still active. Is there another avenue that I could go?
  4. No, they refunded them all and I have been a good boy ever since!
  5. Thanks for the reply. The account that I received the refund of charges is still open and I am currently using it. The account that has the remaining default has been settled and closed.
  6. Defaulted 4 years back on two Nationwide accounts when I was made redundant. I managed to get one of the defaults removed by going to court regarding charges but cases were then stayed and was not able to progress with the second account in time. Are there any avenues that I would be advised to investigate to get the default removed as the defaulted amount almost entirely consisted of bank charges? Any advice would be most appreciated.
  7. Emailed Laura Moffatt a while ago, still no reply...instead received an email today requesting that I respond to a survey asking whether this is my first email correspondence or not. Yes and possibly my last!
  8. Does anyone know how Horsham and Haywards Heath Courts are responding to the banks' requests for stays?
  9. Hi Fred. I'm just a beginner too but this is an outline of my recently submitted POC which I poached from somewhere on this forum: Particulars of Claim 1. The Claimant has a Nationwide Flex Account: ************* ("the Account") with the Defendant. The Flex account was opened on or around **/**/****. 2. The Accounts are governed by the Defendant’s Personal Banking Terms and Conditions (“the contract”) 3. During the period in which the Account has been operating the Defendant has debited numerous charges to the Accounts in respect of purported breaches of contract on th
  10. Hi Sarah. I am in the same boat as you, I have just returned notice of part admission stating that I do NOT accept the defendant's part admission. I'm now just waiting for the AQ to be sent to me. I am claiming contractual as well, the bank only offered charges+8%+Court costs. Did you claim interest charged to your account? Bankershost.
  11. Hi, I'm not sure about that. If you are claiming for charges then the account is under dispute and should be passed back to Nationwide. If this happens I am sure that they will offset any credits against your debt.
  12. Incidentally, £800 does appear to be very excessive..I have just checked the charging order and I was charged £209.00 in costs.
  13. Hi Toots. I have 2 accounts with Nationwide. I am currently in the process of claiming charges for the smaller account but will make a larger claim on the second at a later date. It is on this second account that I have a charging order against my property. I got no response when asking for advice regarding this but these are my thoughts on the matter: I will request that the default be removed as the amount that was defaulted consisted entirely of bank charges. If I am successful in having the default removed I plan to make a seperate claim regarding the charging order (I believe
  14. Thanks Glenn and good luck with your claim, I would like to hear how you get on! Do you not think that the LBA template is a bit misleading as it quotes the following to be added when requesting removal of defaults: plus a claim under ss.7 and 13 of the Data Protection Act 1998. I thought that section 7 referred only to disclosure.
  15. Hi Bankfodder. I have been defaulted on 2 accounts with Nationwide and I have a charging order on one of them. I have split the 2 accounts into seperate claims and I'm in the process of writing my first LBA. I have been trying to get clarification on the wording of the template LBA regarding removal of defaults..It refers to claiming under ss.7 and 13 of the Data Protection Act 1998 in the summary, is this correct? Your help would be most appreciated. Bankershost.
  16. Hi All. With regards to removal of defaults on the template LBA, how is making a claim under section 7 of the Data Protection Act relevant? Surely this section would apply solely when you have been refused full access to all pertinent information. I can see how section 13 would be relevant to such a claim but not section 7, am I correct in my assumption? Please note that I am not trying to be a smart arse (clueless in reality!), I just want to get my first LBA correct. Would especially like to hear from someone who has successfully had defaults removed as part of a claim.
  17. Hi. Just writing my LBA for claim against Nationwide and I'm not sure about the wording. I am not sure what the following in the summary of the LBA applies to: plus a claim under ss.7 and 13 of the Data Protection Act 1998. Also I am requesting that they remove a default, the reasons given in the LBA draft are as follows: This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account. Can I leave this statement in it's entireity or a
  18. So accounts with the same bank are not viewed as seperate contracts?
  19. I am in the process of claiming bank charges from Nationwide. I have 2 Flex accounts with them, if I split the 2 accounts as seperate claims (to keep within the 5,000), is it possible for Nationwide to request the courts that the 2 be amalgamated into 1 claim or are both accounts legally viewed as seperate contracts? Anyone knowledgeable regarding this, please help.
  20. Have calculated unauthorised rate of interest and decided to make seperate claims for each account to keep within the 5,000. About to compose my Prelim, can anyone point me in the direction of a recent template that makes mention of interest that is being applied (the one in the templates doesn't)? Thanks.
  21. Hi Goff. I got statements from both my Flex Accounts but found that one account was short of a large period of high charges. They didn't send these until I sent them a Letter Before Action, threatening to take them to court. Check very carefully that your statements are complete! Good luck with your claim.
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