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marianiamh v nationwide


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Oooooo Ive just started, I just rang nationwide to request 6 years of statements and I apparently have to put it in writing, I have just sent the letter off recorded delivery requesting them... Do i start from todays date 6 years ago? or when I recieve the statements?

 

Maria

***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

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Have you remembered to enclose the £10? Sure you have but just wanted to check ? :)

 

Welcome and good luck - you're in good company here!

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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I thought it was £5.00???

***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

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When i rang this morning she asked me for £5 per statement!!!! I said its £5.00 for the whole lot then i spoke to someone else and tjhey never mentioned the fee at all, shall i send another letter with a cheque for £10??

***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

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When i rang this morning she asked me for £5 per statement!!!! I said its £5.00 for the whole lot then i spoke to someone else and tjhey never mentioned the fee at all, shall i send another letter with a cheque for £10??

 

Yes - otherwise they will tell you after about 40 days that you have sent the wrong fee and you'll have to wait another 40 days.

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 all sorted now so here comes the waiting!!!

***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

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You are a little ahead of me as I'm finding all my statements today, should have all of them I hope. I posted the following on the Welcome section this morning as I've just had enough of Nationwide taking all my money. It is all a bit scary tho!Helps to know others are in the same position. Good luck

 

 

 

This site looks like it could be the answer to my prayers. I'm now horrendously overdrawn and £600 in arrears with my mortgage due to Nationwides bank charges. The charges have had a gradual effect over about a year, starting with refusual of direct debits, incurring charges having a knock on effect which has now made it impossible to pay bills including credit cards and mortgage as the bank charges are between £300 and £400 per month! Nationwide refused a direct debit of £7 and charged £30 to do so. Nationwide refused a guaranteed cheque of £100 as it was a non consecutive cheque number ie presented to them "in the wrong numerical order", and charged £30 for that too. I have spoken to them on the telephone and they have simply lied to me. I have now had enough and have to do something about it. My credit scoring is in tatters due to Nationwide. I'm digging my bank statements out as I should have all six years worth. AAAAARRRRRRRRGGGGGGGGGHHHHHHHHHH I'm angry !!!!!!!!

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SB KNight - welcome and you will get that money back. Please can you start your own thread though so we can keep up to date with your progress - this one belongs to marianiamh. Thanks :)

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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Just checked on Royal Mail site and my letter requesting statements was signed for this morning!!! Im waiting in suspense LOL.......

 

Do i give them 40 days from the date of my letter or 40 days from today??

 

:-?

***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

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HI have a question

 

Can you claim back charges even if you knew you were gonna get them? I know whilst i had this account that I never had enough funds to cover a few cheques and wrote them anyway......Obviously was charged LOL

 

Also I still owe nationwide for this flex account... It is with a DCA with whom I have an arrangement with to pay and have done so for approx 2 years... So if i win could they just credit that account that the DCA have or can i request that they send me a cheque personally?!?!?!?!?

***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

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HI have a question

 

Can you claim back charges even if you knew you were gonna get them? I know whilst i had this account that I never had enough funds to cover a few cheques and wrote them anyway......Obviously was charged LOL

 

Also I still owe nationwide for this flex account... It is with a DCA with whom I have an arrangement with to pay and have done so for approx 2 years... So if i win could they just credit that account that the DCA have or can i request that they send me a cheque personally?!?!?!?!?:confused:

***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

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Hi there

 

I did start a thread called "just started" not quite sure how to link these together can a mod do it for me please??

 

Anyway there is a question on my previous thread that i would like help with if you know the answer....

 

Also Im getting impatient waiting for my statements (I know its only a week ago) LOL i just rang nationwide and spoke to a guy called chris he said a letter went out to me on 8th August (Im assuming this is the standard blah blah blah)

 

He said they have a back log of approx 350 which i didnt think was a lot considering.......

 

Anyway thought id let you all know...

 

roll on september :lol:

***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

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Just thought i would give an up date......

 

Since I rang them yesterday they said they had posted me a letter out on Monday, I hadnt recieved it this morning so i rang them again cos it dont take 4 days to get a letter from Northampton I only live 16 miles from there :p

 

Anyway in my letter for requesting statements i also told them about my change of address (they reckon i never told them but funny how thw DCA knew where i lived LOL and ive been here for 3 years!!) anyway cos i hadnt recieved them i rang and low and behold they sent 40 day letter to my old address. I spoke to a really nice guy called Gary and he said they would change my address but i did point out to him that if i hadnt phoned and given them 40 days i would have then sent the complaint and reported them. He was quite understanding and said he would hurry the statements up for me and re-send the letter to my new address.

 

Im just concerned now that the statements are going to go to my old address. What would be the next step if i dont get them within 40 days and they send them to my old address because i have no idea how much the total is in charges... so i couldnt send them a true figure or even estimate in LBA...

Would appreciate some comments...:|

 

Thanks a lot......:D

***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

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If you don't get them within 40 days there are templates in the Library section that you can use, although I am sure it will be fine :)

 

In response to your previous question about knowing you were going to get charged, that is not a problem. It is the level at which the charges were incurred that is unlawful not the reasons why.

 

Out of interest, did Nationwide sell the debt to the DCA or are the DCA just collecting for 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....

 

 

 

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Im not sure dolly but i have been paying the DCA amongst other debts through a counselling charity so i dont really know can i find out?

 

Thanks for all your help

***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

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Quick update

 

I received a letter from nationwide on saturday saying they apologised about sddress mix up etc. Blah blah about 40 days and then it says "I have today requested copy statements for you to collect at your branch at your convenience please take ID with you when you collect" Does that then mean that Im gonna get them before the 40 days or has she just requested that they be done within 40 days???

 

Maria

***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

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I would assume that they are at your local branch already, that is how it reads to me.

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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Update:

 

I have called data protection team again as i still havent recieved statements. I spoke to a lady who couldnt apologise enough for "wording the letter wrong" and i will not be receiving my statements till the 40 days are up. Im not very happy mainly because im impatient but also because their letter is worded to make me think that my statements are at the branch ready for collection!!!

 

I have requested that someone rings me today to get this sorted out otherwise i will be maing complaints.

 

Oh and they still havent altered my address!!!!!

 

Does any1 have any ideas as to what i can do???

 

Maria :confused:

***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

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Jesus Mystic Meg must work for nationwide cos as soon as i posted the last reply my mobile went and it was gary from nationwide (he is lovely & very helpful lol) he has got my statements and is posting them special delivery today to the branch - because they have still not changed my address!!!!!!!!

 

Anyway Im just pleased im getting my statements tomorrow, thats a nice birthday present!!!

 

I shall let you know tomorrow how much they owe meeeeeee!!!!!!!:razz:

***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

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Yay!! Just think, if you follow the timetable you'll have the money back in about 6 or 7 weeks :)

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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Wooohoooooo!!! Update!!!

 

Got Statements yesterday Worked out that in total they owe me £1157.50 in charges. A few questions though - Can i apply for Unauthorised Over Draft Fees There is 5 x £10.00 and 2 x £12.00?? Total £74.00

 

Also wondered what letter i send now and i wanted to know can I request that they pay me by cheque because if they credit the flex account i wont actually even see the money cos its with a DCA and I have an arrangment with them every month.

 

Want to get this letter off today so comments would be appreciated, and also the address where i send it to....

 

Cheers Maria:-D

***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

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Also how do i work out the interest cos in the prem approach letter it states i have to list the interest taken from account.

***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

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