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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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UKWebgirl V Nationwide


ukwebgirl
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Hello to all of you here at the Nationwide Action Group. I'm really pleased to join you here but also pretty daunted. I was directed to this site a couple of days ago and am ready to take on Nationwide (and others-one step at a time) to reclaim what's mine. Will post regularly as case progresses and of course when satisfied I will be donating to the site.

ukwg

X

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Thank you. love username stuffthebanks.

I intend to. There is so much great support on here.. gives me confidence to proceed.

ukwg

X

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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  • 2 weeks later...

Quick update, getting my act together:

 

6th July Data Protection Subject Access Request letter sent s/b here by 15th Aug

14th July Confirmation of Parachute Account (Nationwide Step Account) opened

14th July Confirmation of Subject Access Request received at Nationwide

 

Contact:

Sue Taylor

Data Protection Administrator

Nationwide Building Society

Kings Park Road

Moulton Park

Northampton

NN3 6NW

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Thanks cillitbanger! to you and all the decent folk on here. Its a great feeling to be taking control back off the banks.. I have been telling absolutely everyone I know (and even some I don't know) about this. I feel it's my duty.

ukwg

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Hi,

 

Sorry, just let me check where you have opened your parachute account - you have send it is a Nationwide Step Account...do you mean Nat West? Just checking as Nationwide will close down all your acounts.

 

Have you any idea roughly of how much you are looking to claim back? Nationwide seem to follow a pretty rigid procedure though whereas as soon as you file Moneyclaim you will be refunded within a week or so.

 

:)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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  • 4 weeks later...

Ok Dolly. Sorry I did indeed mean Nat West Step account which I have been using for a couple of weeks now. Seems to be a good account and used to internet banking etc.

 

You mentioned that the Nationwide will close all my accounts... Well, firstly the account in question which I am claiming back charges from (flex account) was closed by Nationwide in 2005. Due to non payment of charges which escalated to over £600. This came about when a bank charge took me £2.83 overdrawn and then several DD' failed and I was then hit by charges of £180 in one month.

 

The charges upon charges and unauthorised overdraft fees (you get the picture by now) led me to being over £600 overdrawn.

 

The bank took it upon themselves to close my account wiping out the £600 I was overdrawn by. At the time I was relieved as they had wiped out the £600 meaning I didn't have to pay it but at the same time really peed off as I'd had the account for almost 20 years to the day.

 

However (and back to my point) I do have various other savings and cashbuilder accounts with Nationwide (altho not a great deal in them). Are you suggesting they will close these accounts too??

 

As far as how much I am claiming back... well, the charges amount to around £2600 over the 6 years and I will of course deduct the £600 which I did not have to pay.. leaving a tidy sum of around £2000.

 

BTW My statements arrived almost 2 weeks before the 40 day deadline, was quite surprised (tho pleased) about that.

 

Just getting my head around what I need to do next. Methinks:

 

Send the preliminary letter requesting money back (14 days to respond) then,

Send LBA (another 14 days) then, file claim.

 

Any comments would be most welcome.

 

(forgot final step.. gets money back, pays 5%? to CAG to say thanks and to support all their good work and heads off into the sunset for a nice holiday and a well deserved celebratory drink!)

 

Best wishes.

ukwg

XX

 

 

PS> sorry for the long delay in replying to your comments Dolly and thanks for your time.

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Hiya

They will close your cashbuilder accounts and savings accounts - they closed my ISA and my e-savings but they didn't close my childrens accounts even though they said that they were going to.

 

You are completely right in what you have to do next, remeber to send them by recorded delivery.

 

Keep us updated, you'll have your money back in no time :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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  • 2 weeks later...

Received standard 'we won't be refunding you/our charges are transparent/you agreed to this when you signed up' letter from Nationwide yesterday. My letter before action is ready to go as soon as 14 days is up.

 

I have to say this really is a godsend this site. I know exactly what to expect and what to do thanks to you guys. Has definitely made it all less daunting.

Cheers

ukwg

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Thank you and same goes for you kydcarmen.. will keep you posted.

ukwg

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Sent LBA today c/o Deborah Desborough (you couldn't make it up) at Member Account Servicing, 1st Floor Electra House, Farnsby Street, Swindon SN2 1SR

telephone number FYI is 01793 712 603

 

ukwg

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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  • 2 weeks later...

Couple of quick questions of anyone here is able to help please.

 

Firstly my LBA 14 day deadline is fast approaching and I just wanted to make sure that the next step is making my claim against Nationwide on the moneyclaim site (have already registered)??

 

Secondly, my flex account was closed in 2005. Does anyone know if Nationwide will pay my claim into my cashbuilder account (still open) or have they been known to send a cheque.

 

Thanks in advance for any and all answers.

ukwg

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Thanks for the speedy response kydcarmen. Looking forward to putting my claim in. Seems to have been a long waiting game so far.

As always best of luck with your claim. By all accounts you should be celebrating in a matter of days..

Best wishes,

ukwg

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Posted my money claim online today.. Seems like everything has gone according to plan so far and now I wait.

Fingers (and everything else) crossed.

Hoping to report some good news soon.

ukwg

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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kydcarmen

Thanks and yours will be on its way very soon i'm sure.

 

alisarah

no advice other than the waiting for the statements is probably the hardest (longest) bit. Once you've got that its pretty straightforward. Also good idea to start your own thread and you can ask any spcific questions you have. As you've prbably already seen there are many on here ready and willing to answer your queries.

Just read all the forums, study and understand the templates and follow the stages step by step and you'll be fine.

Good luck and best wishes.

ukwebgirl

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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hi I'm at the last stage of claiming against them and it has been annoying.I sent all my letters then left it for a while.Then i tried contacting the banking ombudsmen.

i received a letter back from nationwide saying they are still not going to give me anything back.

well we will see about that i have just ordered the small claims pack.Will keep you informed of what is happening.Any advice is welcome.

good luck to everyone

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Mmm, papers served and acknowledged... Charles Bacon is to defend claim. I think this is standard procedure but can someone please confirm this for me.

Also not sure if its 14 days or 28 days from my money claim online till payday. Going to read through all posts again to seeif I can find the answers but in the meantime if anyone can help???

 

ukwbg

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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Standard procedure.

 

Payday will be in about 10 days or less :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Thanks for that Dolly.

You are a valuable member of this site.

Thanks and looking forward to giving back to the site.

ukwbg

ps. oh and a nice celebratory drink but trying not to count my chickens and all that.....

Nationwide Data Protection Act Subject Access Request sent 6/7/06

Statements received well within the 40 day deadline

Prelim sent 8/8/06

Standard reply received 21/8/06

Letter Before Action sent 24/08/06

moneyclaim on line submitted 9/9/06

 

PAID SAT 1ST OCTOBER :D

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