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Warnes v NW


Stewpot42
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Well Done Stewpot!!!

I gotta admit you had me worried for a moment there!!!

once again though

WELL DONE!!!

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Well Done. I too got my money yesterday...Exciting Stuff.

My apologies carbonosa...

 

WELL DONE TO YOU TOO!!!

I am genuinely made up for all of you who have successfully reclaimed your charges. You deserve a pat on the back for having the courage or sheer bloody nerve to take on the banks!

 

Congratulations all of you!

 

Smoothy

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I live in Scotland but i'm using a relatives address in England for correspondance as thats all MCOL requires if u do not live in England or Wales. Interestingly i phoned Nationwide to find out where my branch was as i'd opened my account online. The nice lady told me i didn't actually have a branch at which im registered so im assuming its head office?

Would easily make the trip to England to go to court if i had to anyway, im totally determined to get my cash back! and if they let it go to court its another £1250 in interest!

They are turning into the man from their advert, do they not realise its costing them thousands of pounds more in legal costs and interest?

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They do not care about the costs-they will find ways of getting this back from us in some other way.

 

And you watch to see what their profits will be next year-way up on 2007 I'l be bound.

PPMAN159

 

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So far no info about closing account, not even any info about what their defence was!!

 

Thanks to everyone who helped me with this claim, couldnt have done it with out all the GREAT advice.

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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Hahah They Paid Up To Me Too -

 

More Than I Asked For!!!!

18/04/07 Won £4360.09 Nationwide Current Account

19/04/07 Began claiming for 10 years

15/04/07 Began Nationwide Credit Card

26/04/07 Began Egg Credit Card

02/08/07 Won £416.97 Egg Credit Card

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They havent closed my account, just got a letter saying...

 

"..we are unable to offer you an account that is comletely free of all charges if you breach the terms and conditions of your account.We will,therefore, expect you to comply with the terms and conditions in the future."

 

It was an actual P-E-R-S-O-N who signed my letter, thats quite amazing, from Tracey Tanner.

 

blah!blah!blah!

 

Now i am gonna go after some charges that i incurred whilst undergoing court processes!!

 

Look out NW! here i come again!!

 

Or is this a bad idea, and do you think they would definitely close my account if i go after them again?

 

(edit) - got a letter the same day saying that they werent going to refund the charges????!!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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On the subject of Mr. Bacons email address, does anyone know it?

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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I have sent this message via the secure email system online :

 

FaO : MR Charles Bacon

 

Dear Mr. Bacon,

 

Recently i have reclaimed chrages applied to my bank account through the court systems, having done this for june 2000 to june 2006 i am alson going to start court proceedings for the period of July 2006 to present - as there is another £xxxx of charges that were applied to my account.

 

It would be in your interest to settle this figure amicably without going to court as you would not have to pay court costs OR the 8% interest that can be applied via the court systems.

 

I look forward to your prompt reply before Wednesday 25th April.

 

Thank you

 

Stewart Warnes

 

I will also send this to Mr. Bacons address when i get it.

 

Also. if it comes to me having to start litigation again should i start from the beginning with the prelim letter and then LBA? As i have the info off my online bank account and i dont need the Data protection info.

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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Hi Stew,

 

[email protected]

 

Yep, start with the prelim.

 

Good luck!

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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Hi, does anyone know if their is a template for the second prelim letter which has in it something along the lines of ...

 

...I would like you to take into account that you have already settled one instance of chrages on my account...

 

??

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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Hi, does anyone know if their is a template for the second prelim letter which has in it something along the lines of ...

 

...I would like you to take into account that you have already settled one instance of charges on my account...

 

??

Hmm....how about adapting the original prelim?

[your address]

 

 

 

[their address]

 

 

[date]

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

 

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

As I am sure you are aware, the recent media interest has highlighted the attempts by financial institutions such as yours to stall or dissuade claimants who are prepared to take legal steps in order to recover their penalty charges.

As you have already demonstrated that you agree with this conclusion by settling another account I had with you, I now request you refund the charges that have been levied against this account.

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter.

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Something like that?

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FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

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Hello Stewpot42!

 

Although many Claimants have successfully made more than ONE Claim on the same account, for some they have become unstuck cos the Bank has defended successive Claims by stating that the Claimant has split their overall Claim into multiple Claims, so as to thwart the Court's Small Claims Track financial threshold.

 

This can delay the Claimants eventual subsequent repayment at best and at worst, unless the Claimant keeps their wits about them, could get the Claimant in such a tizzy that they end up slipping up and become liable for Costs and lose their Claim.

 

U have been through the process before...U know the score!

...Just be patient and follow the recommended proceedure once again.

There are NO short-cuts...it's the same for £30 or £3000.

 

By harking on to Nationwide that U have previously had a successful Claim against them is just giving them 'bullets' and may come back to haunt U!!!

 

U KNOW that Nationwide won't admit that their Charges are unlawful Penalties.

...So why waste your printer ink by trying to reason with them???

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Yeah, that was what i was thinking of doing, just wondered if there was a template out there already.

 

Cheers Smoothy!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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LOL.....not seen one!!!

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Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

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Ok milk tray man, i see where you are coming from, but i have not split my claim - these fees are from the same account that were levied against me during the first litigation process, as that took me nearly a year to compltet due to financial restrictions on starting my court claim.

 

Smoothy, do you think it matters if i send my letter on PINK paper? think it will soften their hearts? lol!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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Ahhhh so not another prelim but an updted one?

Edited:

I just scrolled back and read MTM's posts....

LoL ill shut up now!!!

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Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

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