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    • Hi   I could be wrong here so could @namedisplay please clarify if I am correct or completely wrong?   In your post#1 you mention that due to your health issues and your mental state at the time you rang the Training Room and was told it would cost and initial £200 and then £15 per month until you finished the course.   Then further in post#1 The Training Room told you you were not eligible for an extension because you hadn't completed enough of the course.   With the above I now refer Post#12 which mentions your circumstances are covered by 13 in the TTR Terms and Conditions.   What is mentioned above seems conflicting from TTR for the following:   1. IMO that money of £200 and then £15 per month (on top of original Course Fees) was them at that time agreeing to an extension as per 13 in TTR Terms and Conditions   2. Them stating you can't extend Course as not completed enough of Course is not in TTR Terms and Conditions (that I and others can see) (Note they could be referring to 15 in TTR Terms and Conditions)   Can you clarify the above and were you informed those extra costs were due to an extension of your Course.   Again I will ask did you provide the Training Room with Medical Evidence when you asked the above?   We also still need to see the Letter from Training Room Threatening Legal Action (fully redacted) which you still haven't posted?   You need to send The Training Room a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase means whatever format they hold that data in whether it be written, email, recorded phone calls etc.   They then have 30 Calendar Days to respond to your SAR Request and that Time Limit only starts once they have acknowledged your SAR Request. They can extend that Time Limit if they need to prove identity before actioning the SAR Request so be aware of that.   A SAR Request is now FREE and make sure you get Free Proof of Posting from the Post Office     Your right of access ICO.ORG.UK   Can you please make sure you answer the questions asked of Caggers to assist you    
    • I've been trying to resolve a issue with 8 PCN issued by Tyne Tunnel 2 (tt2.co.uk). Tyne Tunnel 2 is a gated toll charged tunnel to cross the River Tyne in Newcastle. We moved in recently so all a bit new to us. My dad had been using the tunnel about twice a week and he had been paying cash for the toll fee at the booths. At some point in November 2021 they had done some constructions where the gates had been closed and payments had transitioned to online methods. My dad had been oblivious to this and been on his merry way multiple times thinking that he doesn't need to pay. So he received the first PCN some where end of November which had been issue on the 26th after which point I went on alert and sorted out the online accounts and such. However the current total of fines has amounted to £255.20 and I have appealed explaining that soon as the letters were received we have resolved the issue but they insist on us paying 8 PCN. I feel it's unfair that the fine is for the same offence which we couldn't have rectified or known until we received the first PCN letter and after the first PCN we have rectified it so feel they are being bit draconic. Any advice on this matter? 
    • No need to apologise! I am extremely grateful for both your help   Gosh very good attention to detail going on here   Great thank you, i will put them back as below   Good evening to you   DEFENCE   1.     The Defendant contends that the particulars of claim are vague and 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. It is accepted I have in the past had agreements with Lloyds TSB. I do not recall the precise details or agreement nor the claimant either, having failed to provide an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   3.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      4.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or Lloyds TSB pursuant to the Law of Property Act 1925.   5. Paragraph 3 is denied. I am unaware of any Notice of default served.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14.    Therefore the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence a Default Notice /Notice of Sums in Arrears, 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 5th of January 2022 I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 5th of January 2022 I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of 27/01/22 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • std letter the court send simply telling you the claimant has 28 days to do 'something' else the claim get autostayed.   go read a goof few 10's of PCN claimform threads.    
    • Update. I get the feeling they will try and take me all the way. Just have to wait and see. court letter..pdf
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DomWolf v Nationwide


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Hi all,

 

Hope everyone's claims are going through wihout too much of a hitch!

 

After gaining so much inspiration from the forum, i thought i'd better add something.

 

I managed to get hold of 6 years' worth of bank statements after waiting around 2 weeks.

I then handed a letter requesting just under £1400 and a schedule of charges to a branch advisor (awkward, but at least i know they got it!). That was on 27 June.

So now Nationwide have until 11 July before i issue an LBA :grin:

 

I've also opened a parachute account with Alliance and Leicester who are offering a better deal anyway.

 

It's all a bit of a shame really- i've had my FlexAccount for 15 years and until now, had no trouble. Turns out building societies don't operate in their members' best interests after all!

 

I'll keep you posted.....

Request and schedule of charges sent: 27 June

Fob-off letter rec'd: 8 July

LBA sent: 11 July

Standard reply rec'd: 24 July

MoneyClaim filed: 24 July Ref: 6QZ48994

Claim Acknowledged: 27 July "Intend to Defend'

Costs and interest refunded: 4 August

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Great stuff - it'll probably get to the Moneyclaim stage before you get your unfair bank charges back, that seems to be how it is going with Nationwide at the moment, but you'll get there. And, in all honestly, you get a bit more back because of the interest so it is worth it in a way :)

 

Definitely do keep us updated :)

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 the info Dolly!

This will be a long haul, but one which'll pay off, i'm sure.

Honestly, i can't wait to get to the MoneyClaim stage as i know that's when thing start to happen.

 

I received one of those "thanks for your letter received on.....I am unable to refund any charges" replies this morning. So i guess i'll be sending an LBA on Monday.

 

They've mentioned that if i can't abide by their T+Cs then it may be appropriate for me to consider "alternative banking arrangements". Good thing i've done that already and have a new current account ready and waiting....

Request and schedule of charges sent: 27 June

Fob-off letter rec'd: 8 July

LBA sent: 11 July

Standard reply rec'd: 24 July

MoneyClaim filed: 24 July Ref: 6QZ48994

Claim Acknowledged: 27 July "Intend to Defend'

Costs and interest refunded: 4 August

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  • 3 weeks later...

Right, the final stretch...

 

I received a generic reply to my LBA. Basically going into how they're sorry they couldn't close my complaint. They're going to refer it to the Member Service Dept...

 

I've given them the full 28 days in which to repay. I issued my MoneyClaim a few moments ago.

 

Hopefully, i'll be £1400 richer the next time I post!:)

Request and schedule of charges sent: 27 June

Fob-off letter rec'd: 8 July

LBA sent: 11 July

Standard reply rec'd: 24 July

MoneyClaim filed: 24 July Ref: 6QZ48994

Claim Acknowledged: 27 July "Intend to Defend'

Costs and interest refunded: 4 August

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hi there, as you will see from my details my money was paid out quite quickly after they received the court claim (i did mine theold fashioned pen and paper way!) so hopefully you won't have too much longer to wait!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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  • 2 weeks later...

Hey!!!

 

Just as i was about to rant on about how i can't wait any longer...

 

I just found 131.08 as a cash deposit in my account!!!!

 

This has to be the court cost and interest.

 

Shame i've got to wait til next week for the rest, but at least

 

I'VE WON!!!!

Request and schedule of charges sent: 27 June

Fob-off letter rec'd: 8 July

LBA sent: 11 July

Standard reply rec'd: 24 July

MoneyClaim filed: 24 July Ref: 6QZ48994

Claim Acknowledged: 27 July "Intend to Defend'

Costs and interest refunded: 4 August

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CONGRATULATIONS!!

 

Absolutely delighted for you - you never know, the rest could go in tomorrow, mine did :)

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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