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    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  Of course, I refuse to be held accountable - in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Nationwide Pet Project - Help Needed


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Sorry, I know this is not about charges but

 

Oh, I now have a new company on my Sh#t list.

 

I have banked with Nationwide for nearly 7 years, in that time their service has been faultless, but boy have they let themselves down this week.

 

Basically on Tuesday, the balance of my account was £600 less then it should have been. It later turned out that why I was at work in ENGLAND Someone had made a number of cash withdrawals at banks in India and Sri Lanka.

 

Anyway, I didn't get any support or help from either their call centres of their on line banking service. I have decided to email the board of Nationwide.

 

Here is my opening salvo to members of the board of Nationwide:

 

----- Original Message -----

From: tbern123

To: jonathan.agnew@nationwide.co.uk ; graham.beale@nationwide.co.uk ; stuart.bernau@nationwide.co.uk ; david.rigney@nationwide.co.uk ; jeremy.wood@nationwide.co.uk ; graeme.hughes@nationwide.co.uk

Cc: customer.services@nationwide.co.uk

Sent: Thursday, June 14, 2007 7:26 PM

Subject: Urgent Complaint

 

Dear Sir / Madam

 

Re: ******** /******

 

I would like to take this opportunity to make a serious complaint in relation to the service I have recently received from Nationwide and the fraud that has been committed on my account.

 

On Tuesday 12 June 2007, I was shocked to see that funds of approximately £600.00 were earmarked on my account. I immediately, called your telephone banking service. The person I spoke to didn't even bother taking my account number, she calmly explained that until my account was actually debited there was nothing she could do. I explained that this was a considerable sum of money coming from my account and that I did not authorise any such transactions. She just repeated that there was nothing more she could do. I even asked her to put a note on my account to say that I had called and that I did not authorise these transactions. She said that she couldn't do this. She did not even offer me any other options.

 

During the day, I became more and more concerned as I knew that I did not authorise these transactions. I telephoned your helpline again. This time, someone more helpful answered, he again confirmed that until the transactions had debited my account, there was nothing that he could do. However, he did explain that sometimes mistakes are made and that earmarked funds drop off after a couple of days. I also called later in the day, as I was unable to make a cash withdrawal from two different ATM's. I was told that there was no reason why I should not be able to make a withdrawal.

 

Your records will indicate that throughout the day, I sent a number of messages via your online banking service in relation to my concerns regarding the transactions on my account. Sadly, I was not offered any options. Finally, I was advised that I should report these transactions as fraudulent. On Wednesday 13 June 2007, I signed onto my online bank account and was sickened to see the following transactions.

 

 

 

12 June 2007 Cash 0000000AWB1/Icbs RATMALAN AWB1. 5,000.00LKR at 218.150 £22.92

 

12 June 2007 Cash 0000000AWB1/Icbs RATMALAN AWB1. 20,000.00LKR at 218.197 £91.66

 

12 June 2007 Cash 0000000AWB1/Icbs RATMALAN AWB1. 40,000.00LKR at 218.197 £183.32

 

12 June 2007 Cash SCB Srilanka/Moratuwa Bra COLOMBO. 10,000.00LKR at 218.197 £45.83

 

12 June 2007 Cash State Bank of/Nal,Bangalo BANGALORE. 20,000.00INR at 79.856 £250.45

 

 

I visted my local branch to report these fraudulent transactions. I was surprised to be told by your advisor, that I was in fact the fourth person she had seen this week so far that this had happened to and that it could be that Nationwide customers are being targeted. I explained that I tried to withdraw funds yesterday, but my card appeared not to be working. She explained that my account was frozen. I found this odd as I was told yesterday that this was not the case. In summary, despite my repeated telephone calls and online banking messages to advise you that I did not authorise these transactions (before they debited my account), you still allowed these funds to be withdrawn.

 

I found the level of customer service from your call centre, to be 'not fit for purpose'. It is sad that on each occasion that I have called, the first thing I am always told is that they can't help me with my request and I am never told what to do or who can help me. I am glad to say your advisor in your Dartford branch, was both helpful and sincere. May be your call centre staff should attend the training courses offered to your branch staff.

 

Please excuse the tone of my letter. As I sure you will appreciate I am very angry that someone has withdrawn funds from my account, even though I had warned you the day before. As I have previously notified Nationwide, I am going on holiday on 19 June 2007, I need these transactions to be refunded in full before I leave and for my new debit card to be sent. I do not understand why I should be disadvantaged because you allowed someone else to debit my account.

 

I understand that your fraud department must investigate this matter, however as this has happened to a number of customers and it is impossible for me to be in England, India and Sri Lanka at the same time to make these withdrawals, it is painfully obvious that this is fraud.

 

Can you please tell me when my account with be refunded and when my new card will be sent. I am very disappointed by the conduct of Nationwide in relation to this matter, especially as I recall articles in the press in relation to customer information being ******. If I do not receive a satisfactory response to my concerns before close of business on Firday 15 June 2007, I will be left with little option but to contact the Sunday Mail, other national publications and the Financial Ombudsman Service.

 

Regards

 

Mr tbern123

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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  • 5 months later...

Hello everyone,

 

I really need a huger favour and I hope someone can help me out.

 

I am working on a new way to claim against nationwide. If anyone has any settlement letters from Nationwide can they please scan them and post them on this thread.

 

I am very interested to know how the settlement letters / offers are worded.

 

Please post as many as posible, so that I can identify trends etc..

 

Thanks in Advance

 

tbern123

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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