Jump to content


Nick37 v Nationwide


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5135 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

Hi all,

 

This is all very new to me. My girlfriend recommended i try this so here we go.

Last months statement showed i owed just over £300 in charges!! :shock: I don't know where a lot of that has come from. I did speak to head office the month before and they did waiver 2 charges that was on the previous statement but told me that because this was the first time i had asked, i would find it hard if it happened again!! Cheeky B*******s.

Unfortunately this started going wrong when i changed jobs and in a space of 5 months, 3 times, twice with old employer and once with new one, i was paid late thus missing mortage payments and DD's. It's because of them, that, i keep missing DD's now because of the vicious circle of charaging then charging again for missing the chargers!! :mad:

I've banked with them for approx. 20yrs and you just feel it's not the customer that matters anymore but their back pockets, what with bonuses and fat pay rises etc. Arrrh :mad:

 

Anyway, i'm gonna make a stand along with the rest of you and give it a go in reclaiming back those fees/chargers.

 

Starting with today, I'm going to send the Preliminary letter and see what happens. Good luck to everyone else on their missions! :)

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites
  • Replies 56
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Nick, here I am, watching as promised!

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Hi Closey,

 

Keep your eyes posted.

Fingers crossed, i break my unlucky streak. ;o)

Nick

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

I will do. Everything crossed for you!

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Hey closey,

I've changed my mind on sending the prem letter and instead gonna send the Data Prot Act letter first. Want to make sure i get the right figures to try and reclaim. Is that wise?

Also where do i send letter? Is it head office (don't know the address) or the branch thats on statement?

Thanks

Nick

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

Post it to this address thats where i sent mines send it recorded delivery witha £10 postal order, thats where i sent mines and u can check on royal mail website if it has been signed for, I checked they got mines today!!! Here we goooooo..........

 

Data Protection Team,

Nationwide Building Society

Kings Park road,

Moulton Park

Northampton NN3 6NW

***Nationwide***

Data Protection Sent 05/08/06

Statements received 17/08/06

Prelim Sent Rec Delivery £1231.50 18/08/06

LBA Sent 11/09/06 Rec Delivery

N1 Issued 28/09/2006 for £1561.80 inc Interst

Date of Service 30/09/2006

***WON*** NATIONWIDE PAID 12/10/06

Link to post
Share on other sites

Hi Nick - if you don't know the exact figure for the charges over the last 6 years then send a DPA request + £10. Make sure you send it recorded delivery ... the address of the DPA team is on a sticky at the top of this thread.

 

Good luck and 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....

 

 

 

Link to post
Share on other sites

Thanks girls, much appreciated.

my confidence has sored since stumbling across this forum earlier today. Yesterday i was just a bag of worry, today i feel much more confident that something will happen. Can't believe the amount of people doing this and being successful! Amazing. yyyay!!

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

awww nick dont worry im already having a race with another person so now we cal all race together although we both have a head start from you LOL, Im just waiting in suspense for my statements........

***Nationwide***

Data Protection Sent 05/08/06

Statements received 17/08/06

Prelim Sent Rec Delivery £1231.50 18/08/06

LBA Sent 11/09/06 Rec Delivery

N1 Issued 28/09/2006 for £1561.80 inc Interst

Date of Service 30/09/2006

***WON*** NATIONWIDE PAID 12/10/06

Link to post
Share on other sites

hehehe yea looking at the amount of people just today starting out... u almost feel the banks and building societies are gonna be inundated with these claims!! That'll teach them a lesson! :op

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

I'm going to the post office today to post the first letter. Just need to know, who do i need to make the £10 postal order to? The letter is going to the Data Prot Act Team.

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

Just make payable to NATIONWIDE

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 Dolly.

By the way, i think someone else asked you a question about you writing to your mortgage company but i just want to ask again in case i was dreaming it, but are you trying your luck in claiming back redemp charges or missed payment charges?

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites
Thanks Dolly.

By the way, i think someone else asked you a question about you writing to your mortgage company but i just want to ask again in case i was dreaming it, but are you trying your luck in claiming back redemp charges or missed payment charges?

 

Both - am claiming £390 for missed payment fees from Halifax and an ERC. No reply from either as yet! (Both are old mortgages, not my current one)

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

Hmmm... inttttteresting! I had an ERC of £6700 so if you do get any joy, let me know, please.. that will be worth going for!! :)

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

There are a few of us trying to get ERC's back - have a look in the mortgages section in 'Other Institutions'.

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

will do. Thanks. ;)

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites
  • 7 months later...

Ok, so alot of time has passed by since i started this thread and after much panic and worry i've finally got to the stage where i've sent of my claim form to the county courts to reclaim my charges.

 

History so far:

Perlimary Letter sent 18th December 06:

reply received 28th Dec 06 stating no refund.

LBA letter sent 7th January 07:

response letter received 12th January with original letter saying regret for me not receiving original letter!? which i did.

Wasn't sure what to do at that point so spent a bit of time pondering what to do.

Claim Form handed in to County Court on 8th March 07:

Letter received 19th March acknowledging service has been filed and defendant indicating an intention to defend all of the claim.

 

What happens now? Does this mean Nationwide are going to take it all the way and take me to court? I'm worried! Help :confused:

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

Hi Nick,

 

Don't worry, they will probably pay up. Their intention to defend is bog standard. Based on my and others experience recently, the defence doesn't come until they've paid you. But they are unpredictable so read up on the next stage - Allocation Questionnaire just in case. I've got my fingers crossed for you - hopefully you won't need it. Keep an on your account for mystery 'corrections'. Mine appeared about 3 weeks after my claim was acknowledged.

 

Kelly

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

Link to post
Share on other sites

Thanks Kelly. Sometimes i just feel one of these days they may decide to make a case and pick on someone to test out... I kinda feel like i could be that unlucky one!! :(

I hope not.

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

We all feel like that at some stage. It seems to be cases where people are claiming contractual interest thatthey are disputing. Which are you claiming? I claimed the 8% statutory interest.

 

Fingers and toes are crossed for you either way.

 

Kelly :)

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

Link to post
Share on other sites

I've claimed the overdraft interest they charged. Chargers were £2,307.50 Interest chargers were £494.46. Court cost £120

Total: £2,921.96

At the end of the day i've started now so i'll see it out, but i guess i'm feeling the same as everyone else when they get going, that it's daunting!

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

Oh, i've just gone online to check my account and it's disappeared! I've not logged on since September last yr and to be honest forgot i had internet banking :o so yea, my flexaccount has gone!? my other little accounts are there but not the important one to see if the money has appeared.

I haven't closed the account only just stopped all the DD's and transferred them to the new account i opened last year when i started all this.

How strange :confused:

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites

Wow Nick, now I see what you mean about your luck. :p I guess you'll be ringing them first thing? Also, try your card at a cashpoint. I can just imagine some 'trainee' that they've taken on to help with the backlog of claims wiping all the flex accounts of the NW server lol. Phew! Just checked mine and it's still there. Forget that last comment.

 

Let us know how you get on.

 

Kelly

 

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

Link to post
Share on other sites
  • 2 weeks later...

Well, as far as i'm aware, still no letter or money. By my workings out, they have until the 14th April, next Thursday else NW will lose by default.

 

I called into my local branch to tell them about my card being captured and my account disappearing of the online site and they tell me it's because my acc is in with the collections dept. They have issued me with a new card but only to be used in the branch to check my balance.

 

I forgot to put on my claim form a request that i want the refund in chq form! I guess, if and when they pay, they will credit my acc, which is overdrawn at present, so part of the money will clear my overdraft.

 

So still waiting.

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...