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    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
    • Nationwide's takeover of Virgin Money is hitting the headlines as thousands of customers protest that they will not get a vote on whether it should happen.View the full article
    • unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  
    • I think you have the supremacy of contract as it allows you to park in designated areas. I would argue that there being parking enforcement there clearly means its to be used as parking and as such you can use it under your lease. Only need to worry if they ever follow through with a letter of claim and a claimform though
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kopw v Nationwide


kopw
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Hi all,

 

I have gone on the offensive against Nationwide. I already have a claim in progress against shabbey. Anyway, last month, I went overdrawn at Nationwide by 21 pence and was charged £30 for the privellage. I'm normally very careful about the money I deposit into this account simply because I use it to pay all my bills. It saves me a lot of confusion. Anyway, I don't usually go over with it. I decided to send them a S.A.R on 4th Sept. I received a reply yesterday, dated the 19th Sept, with total charges of nearly £400 over the past 5 years. I was surprised. I've sent them a letter today asking them nicely to pay me back all that money they've taken from me unlawfully withis 14 days. Now I'll wait for their reply minus a cheque.;)

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I've sent them a letter today asking them nicely to pay me back all that money they've taken from me unlawfully withis 14 days. Now I'll wait for their reply minus a cheque.;)

 

I like your style kopw!!!! :D

 

Best of luck x ;)

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Received a reply to my preliminary letter today, no cheque though. It's a bit of a long winded letter but I'll give you a taster. Please let me know what you think, here goes, this is the second paragraph.

 

" As you know if we allow items to be paid and it means you exceed your agreed overdraft or we have to return an item unpaid on your account then we will make a charge in accordance with the terms and conditions. Details of our tariffs are contained within our FlexAccount Interest Rates and Charges leaflet, freely available in branches and on the internet. The details will also have been provided to you when you opened your account and you will have agreed to accept these when you sifned the flex Account application form".

 

In short, what they're telling me is that they have levied these charges because I broke their terms and conditions.

 

Can anyone please advise me of my next step?

 

Thanks, kopw

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Can anyone please advise me of my next step?

 

With pleasure! Send them the LBA and sit back and wait for them to send you an identical letter to the one you've received today! ;)

 

Yes - you did breach the terms and conditions of the contract. They then applied unlawful penalty charges to your account that you, as a consumer, have a right to reclaim.

 

The banks are all hiding behind the test case at the mo so they won't be paying up at prelim or LBA stages. This leaves you only 2 options once the LBA deadline expires; file N1 at county court or wait for the outcome of the test case.

 

However, you can cross that bridge when you come to it. In the meantime, send them the LBA and have a good read up on the threads (general and stays forum are both good places) about the OFT test case.

 

Best of luck x :)

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It's a pleasure - that's what we're all here for.......... good old fashioned support x ;)

Can't find what you're looking for? Please have a look at Michael Browne's

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I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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  • 2 weeks later...

Ah well,

 

Received a letter from Nationwide this morning, a carbon copy of their first one. A shame really. It means a trip down to the County Court on Monday and a long wait until the "test case" has been settled. At least I can view it as an investment growing at 0.021% per day. Roll on Christmas 2008 or even better, 2009. Just imagine all that interest. They say it's nice in Oz this time of year, thanks Nationwide.

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  • 3 weeks later...

I am about to set the dogs on nationwide. I can't however find my original terms and conditions. I have written to nationwide on three different occassions asking them very nicely to send me them. They have not.

 

Has anybody got any terms and conditions for the flexaccount? Without them my case could be struck out. Thanks, kopw

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