Jump to content


  • Tweets

  • Posts

    • If you are flying away tomorrow (or rather this) morning I'd just forget about complaining to the police now.  As BF said earlier it's probably just a waste of your time anyway so I wouldn't worry about it.  Forget it for now.  Have a safe flight and concentrate on your other thread against Aviva.
    • I'm afraid you won't get a complaint drafted before tomorrow morning - and I think most others here think it would be a waste of time anyway and that the police decision won't change.  I would ask for a review and make a complaint on principle, but I suspect you are better off concentrating your effort on your other thread and direct complaint against Aviva.   Unless you are out of the country for an extended period I'd wait until your return before considering futrther whwther to complain about the police.   [ By the way, just so that you don't mislead yourself as it's a mistake many people make, ALL agreements are "verbal" in that they are composed of words.  Some agreements are in writing and others are oral, spoken or vocal.  The law recognises oral or spoken agreements just as much as ones that are written down.  The only practical difference is that oral agreements can be difficult to prove in a dispute]
    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   [Apologies for the italic typeface/font - it's the above link causing it.  The italics should have stopped at the end of the third para above ending ' ... criminal conduct'.  I can't change it.  Very annoying]
    • @Manxman in exile I eloped to get with my husband si my husband and siblings never sat together in the same room .   Hes claiming a verbal agreement was made but a verbal agreement doesn't hold any water in the eyes of the law..no agreement was made I was in Leeds with my toddler.    He has made use of the policy , had the luxury of the insurance and reversed the money back and now Aviva are coming after me.   You've summed it up well is there anyone in the group that can help me draft the complaint to the police as I'm flying out first thing tomorrow and my head is all over the place.   My husband me Mr z , my late father and eldest brother were at this meeting supposedly when the verbal agreement was made but yet the officer took a statement off the eldest brother and didn't take it off the husband and based the final decision on the eldest brothers statement and Mr Z and all other evidence which is in written form has been completely dismissed    I'm fighting it all alone coming from an Asian background I am getting taunts and salt is bring rubbed on my wounds its not been a pleasant experience yo say the least trying to prove my innocence and having to listen to the b******* being spouted out by everyone whilst Mr Z is walking away not guilty 
    • I would complain to the police - even if I thought it would go nowhere.  I can't see that you have anything to lose.   I can't tell you the grounds of your complaint because I don't know the details of everything that has happened (you know better than I do)  and because I've found much of the story too difficult to follow.     But - based on everything you have told us - it seems to me that your brother has clearly committed fraud by obtaining the benefit of an insurance policy by falsely misrepresenting that he was opening the policy on your behalf and also by falsely misrepresenting himself - or a third party - as being your husband.  If your brother could not have taken out that policy without making those misrepresentations, then he has committed fraud.  It doesn't matter whether the victim was Aviva or you  and it doesn't matter if the victim realises they've been defrauded or not - the police should investigate it properly.  In this case you are the ultimate victim of the fraud because Aviva are saying that you owe them for the premiums on the policy your brother fraudulently took out, so whether Aviva consider they were the victims of fraud or not is irrelevant - they don't care because you end up as the fall guy.  Point out that this may have ended in a civil dispute over a debt between you and Aviva, but that that debt directly arises as a result of your brother's fraud in claiming to be acting on your behalf and by impersonating your brother.   One of the reasons the police seem to have dropped this case (and this needs to be one of your main grounds of complaint I think) is that they have accepted without question your brother's statement that your husband was somehow involved or in some way agreed to your brother taking this policy out in your name, and the police have simply and uncritically accepted your brother's word on that without ever speaking to your husband, who would vigourously deny it.    (I can't make any better suggestion than that because, to be honest, I don't follow what has happened.  If you never authorised your brother to open this insurance policy at all then I don't understand why the police would place any importance at all on your husband being present at a meeting with your brother.  What did your husband's presence have to do with the insurance policy?  Even if he had been at such meeting (which you say he denies) then how could he authorise anything on your behalf?  None of it makes any sense to me and I can't see why the police would think it did.)   Challenge the police to explain to you why they believe there is insufficient evidence to pass this on to the CPS   I would follow the published complaints procedure of the police force in question and I would also send a copy to your local Police and Crime Commissioner.   I think the main problem here is that (despite what the nice woman PC may have suggested to you) the police have never considered you to be the victim.  You need to demonstrate to them via your complaint that you are the victim here.   One other question: is your husband and are your family supporting you through this, or are you going it alone?
  • Recommended Topics

  • Our picks

UKWebgirl V Nationwide


ukwebgirl
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5494 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

Hi, welcome and good luck, nationwide will cave in but you will have to file for it ok?

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

Link to post
Share on other sites

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

Link to post
Share on other sites

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....

 

 

 

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

bump

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

Link to post
Share on other sites

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....

 

 

 

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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....

 

 

 

Link to post
Share on other sites

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

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...