Nationwide are fighting back

[john mathews]

I,m asking for a mod to merge my other postings. Please, thank you!

 

Hello for the first time! I am currently fighting Nationwide for the return of £290 (in one hit due to a small clerical error!) they have returned £140 but are saying "that's it" They have said they now have 7 weeks while this is referred to some department or other. Is this true? To get legal with them a solicitor wants £300 up front which, err, I ain't got!

Any advice?

 

When Nationwide took my £150 it caused me to be overdrawn, which I'm sure they will charge me for. Can I get this back at the same time?

[john mathews]

Just thought I'd let you all know. When I phoned Nationwide to complain about the length of time it was taking for them to reply I was told by the lovely lady on the phone that "that department is extremely busy at the moment" I bet they are. lol

[Michael Browne]

Is this true? To get legal with them a solicitor wants £300 up front which, err, I ain't got!

 

When Nationwide took my £150 it caused me to be overdrawn, which I'm sure they will charge me for. Can I get this back at the same time?

 

You don't need a solicitor. You can do it yourself for free. Look at the FAQs and step by step guide. And yes, you can claim the charge back.

[john mathews]

Some advice please. Nationwide's most recent letter to me states: "The Financial Services Authority (FSA) allows us 8 weeks to investigate before you have the right to ask the Financial Ombudsman to review your case. This ends on 7 August 2006. If for any reason we can't send a full response by then, we'll write and explain why." Is this just time wasting waffle or is it true???

[callumsgran]

take no notice of this, they say this hoping to put you off pursuing the claim! carry on with your claim as planned, sticking to your timetable ok?

[john mathews]

Does anyone know how I can get me a smiley next to my name on the main page? I don't want to feel left out!!

[john mathews]

Hi cillitbanger.

Thank you for your advice. My fourth letter to Nationwide was their letter before action and their 14 days has now run out. I therefore now have to start proceedings but don't really know how to go about it. I have downloaded the form N1, do I just fill this in and send it or does it need to be accompanied by a solicitors letter? I'm presuming the court needs to stamp it, at some cost?

P.S. Are Nationwide likely to close my account when they refund my money?

Thanks

John

[Michael Browne]

.

I have downloaded the form N1, do I just fill this in and send it or does it need to be accompanied by a solicitors letter? I'm presuming the court needs to stamp it, at some cost?

P.S. Are Nationwide likely to close my account when they refund my money?

 

Yes just fill it in. You can send or take it to your local court. Staff there are v.helpful and will check you've filled it in correctly (but will not give legal advice)

No solicitor's letter needed

Court fee is payable when you file.

[dolly]

 

P.S. Are Nationwide likely to close my account when they refund my money?

 

Short answer...yes.

 

But they will give you 30 days notice!

[garyking]

how much does it cost to file a small claim?

[john mathews]

No idea gk. I'm at the court stage now and I'm wondering how much it will cost. Could be just to file the N1

[thecornflake]

how much does it cost to file a small claim?

 

It depends how much you are claiming. I think you can chekc on the moneyclaim website but I haven't got that far yet so have a look and see. You should be able to find out there.

[Michael Browne]

No idea gk. I'm at the court stage now and I'm wondering how much it will cost. Could be just to file the N1

 

From £30 to a maximum of £120 for claims over £1000

[john mathews]

My claim is a huge (to me!) £150

[crooky]

hi

i took my claim to the court yesterday and it cost me £120. that was for a claim of nearly five grand .

hope this helps .

good luck ...

crooky

[john mathews]

Aarrrgggghhhh!

As promised the people at Nationwide took, the £150 the said they would. They of course waited till nearly the end of the month, a couple of days before my salary is paid in, when there was not enough money in the account to cover it. This of course caused me to be overdrawn and a standing order returned and they are now going to charge me £50.47 for the privilege. I think this is called taking the micky.

 

 

MODERATED (monkey_uk): Please do NOT post libellous and abusive comments.

[eckymurphy]

• aaaarrrrrrr. the lovely nationwide. I.m currently fighting them. 3 years ago my marriage broke down. and I was forced out of my home taking with me my three kids and three suitcases. Our joint account was imediately frozen. Not having worked for 10 years the only money I had was a small amount in a nationwide account and an overdraft limit of £1000. I relied on this heavily in putting down a deposit for a rented house. Half way through the worst 6 months of my life, nationwide decided to take my overdraft down to a mesely £500. I was given 30 days to clear the outstanding. I was in a poorly paid job, and huge overhead costs. Square peg round hole! Since then I have been charged in excess of £4000 in 'penalties', and nationwide always seem to take their money first. I've never been able to get myself back on my feet. this year alone my account would be sitting in credit with no overdraft if these charges had not been made. The way I see it, I don't care how long or how much it costs I am going to fight them all the way. And with the CSA due for a shake up, maybe i'll get the money owed from my x that is due as well. Doubtful as he's skipped the country. I feel so angry with nationwide that they insist on these charges, causing me nothing but stress each month. They've just returned a SO for my rent, I was £40 short in the account. That was on a tuesday. I would have had a total of £986 paid into my account on that day at midnight. A few hours to soon and I've been charges £96 for that. They've taken that first, which now means It'll be tight month again. I am just about to issue a LBA this week, after countless phone calls and letters to nationwide. Only having received back 'standard' replies from nationwide. I now have a total of 10 frinds under my wing, and given them the various websites in recovering their charges as well. IT'S PAY IT FORWARD:D I wish you every success.

[john mathews]

Hi eckymurphy, tough times, sorry about that. Keep smiling and keep fighting:)

P.S. Appologies to the moderator for the outburst!

 

April 2006 - Clerical error incurs £290.04 in one hit!

4th May - Prelim' letter - I want it back.

12th May - Response - 1/2 offered.

16th May - I want it all

30th May - Response - No!!

9th June - Legal letter from Forum library!

16th June - Still No!!

25th June - Letter from Law Firm.

6th July - Err, we'll think about it, we've got 8 weeks.

Waiting for enough cash to file N1

[oooeee]

hi all, just a quickie about the court fees, remember if you are on any type of benefit take your claim form to the court with your proof of benefit and you will be exempt from the fees. those who have to pay the fees don't forget to add this on to the amount you are claiming as costs and get them back from the bu***rs!

[kydcarmen]

Hi, Nationwide has caused me to leave University due to their charges as I was unable to pay my tuition fees. I am a single parent now, with 2 kids and nationwide have taken just over £1800 since feb last year. I think like everyone, you get caught in the viscious circle, you get charged for whatever reason, your direct debits are returned so they charge you again the month after. This happened to me because I was 10p short for a direct debit and was charged £30 + £20 for being overdrawn. Well after reading lots of threads on here I finally got the courage to do someething about it and sent the 1st letter giving them 14 days on the 19th july. I am just waiting to recieve the standard letter and then next week, off goes the 2nd letter.

[john mathews]

HELP PLEASE. Just been reading the thread from "hi New'ish. Young V Nationwide". I was just about to pluck up the courage to take my N1 to the court and have seen "Young V's" notes about the MCOL site. I haven't heard of this and I'm thinking I probably should have!! Where is it?? Also, do I need to take copies of all correspondance to the court too?

 

Thanks

[dolly]

What exactly do you want to know - I don't quite understand.

Just take your schedule of charges with you when you file and proof of your benefit entitlement (if applicable). Also you need 3 copies of the N1/schedule.

[john mathews]

OK Thanks, sorry for being a bit vague, too much time in the Bear Garden methinks:D

[john mathews]

Got their final response yesterday. NO CHANCE take your business elsewhere.

I am so angry with these people. I really believed that my request was quite reasonable, I'm asking them to right one wrong, over one small mistake (not going back years and years) and I really (naively) thought that they would appreciate this. I have held this account for 18 years and they really don't give a damn. I find the process of going to court to file the claim form quite daunting and I am having more problems opening another bank account than you want to know about. My claim is quite small compared to some in here and nothing to Nationwide, but it's making a big difference to me and all I've got to look forward to is them taking another £58 in 3 weeks time (because them taking the £150 took me overdrawn!)

Thanks for listening!

[dolly]

Don't feel daunted about taking them to court. We are all here to support you and you WILL get your money back. And it is EASY, believe me. They won't have you stand up in a witness box, if they wanted to do that they would do it to a much bigger claim than yours.

 

If you want to talk about your problems opening another bank account and don't want to do it on here, PM me and we can have a look at your options together.

 

You NEED to get these charges back so you need to file a claim and get your money back - it is a wonderful feeling, honestly.

 

xxx