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Everything posted by Garu

  1. Based on 8%, it's about £600, based on 24.9, it's about £5600.
  2. Opinions welcome, has anyone persued from here and actually got more back? If not, I think I am going to call it a day, I have my money, and interest, a good gambler knows when to walk away from the table.
  3. Full as in "all they are going to pay me without further action". Considering my options.
  4. What rate of interest did you claim?
  5. Agreed. Interestingly, in my letter, they refer to "lost interest", which in effect I have not claimed for. I claimed "interest on the debt" rather than trying to get back interest I paid on it, if that makes sense.
  6. Letter has arrived with details of refunded: 1) charges (as per my figures) 2) Court costs (correct) 3) "lost interest" (which disagrees with my figure) They do not state what rate the interest is calculated, but it's interesting that they use the term "lost interest" rather than "interest on owed amount".
  7. I would hope it was that way, but if NWide convince the court that the claim is for remaining interest only, and that, having paid out all the charges, they do not need to disclose anything re the charges, we would be on the back foot. Believe me, as I am in the same boat, I would love that the courts force full disclosure on the details of the whole defence, but I just can't see it.
  8. I think you are missing the point, it's not what they call it, or we call it, but what the court sees it as.
  9. As I understand it, they have paid back redsue's charges, and some interest, but not enough \ all of it? (I am in the same boat)
  10. But what if the claim is purely interest?
  11. Yes, unless it is over 15k? I was thinking, I may drop my case against them and restart, for lost interest only, as it will be within small claims \ less liability.
  12. Great, thanks, I'm in the same boat so will be watching \ helping in any way I can!
  13. Well, we live in hope
  14. Overnight, they applied some "corrections".... several for £999, and one odd one so the "corrections" now equal the charges claimed exactly. So the good news, I have my charges, and court fee, and some interest, but it's not 24.9 thats for sure!
  15. If anything like mine, you will see money into your account before you hear from the court.
  16. Redsue, did they send you a letter detailing their breakdown \ what interest rate? (I know they stated s69 in the defence, did they state the same in their letter to you?)
  17. (or to put it another way, it hasn't got to court and Nationwide have started paying out See my thread )
  18. Just over £1800 just appeared as a cash credit... I think it's started. Let's just see if they pay the full amount inc contractual!
  19. I have gone for 5k+ in one claim, not been allocated a track yet but by all means keep an eye on my thread for updates..
  20. I'm not an expert, just wishing you good luck in this!!
  21. Bump, Kizzyella, did you hear any more from them, what was the next step?
  22. Their defence seems to be "we have paid them" from the cases I have read. I am at the same stage, only not heard from nationwide yet.
  23. I'm sure they would be helpful, if they were working. Phone line just has a message about industrial action today. Lovely.
  24. Actually, it went in 22nd, but the fees were a cheque and despite being told it would make no difference, I wonder if they waited for it to clear before sending paperwork to NW? (it has cleared, so I know they have processed it)
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