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Sorry to be a pain but can someone please answer the above for me as I am at work and my pc at home not working and i finish shortly just that i want the letter off today! Thanks guys

***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 have to be quick as I am not supposed to be here now

 

Unauth OD fees - yes

Interest - if you have unauth OD interest (I did, bits of it here and there) then that is the interest you can put in, if not just delete it.

Send to Pipers Way, Swindon.

 

Send Prelim letter and add to end to pay by cheque. You have to put it on court papers as well when it gets to that. Not sure if they have to pay you the way you specify though but if your account is technically closed with them they should do.

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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Thank-you Dolly!!!

 

Letter Sent (Prelim) today for £1231.50 recorded delivery 18/08/06 do i give them 14 days from todays date or 14 days from say monday which is when they will probably recieve it?

 

Thanks 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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Quick Update:

 

I have sorted out all my spreadsheet and added interest just incase it gets to that point LOL... takes my figure up to 1270.00 ish but am stopping myself from getting excited as I have found out that (I still owe nationwide 2k ish) and i had an arrangement with a debt company to pay it back for the past 3 years but I found out yesterday that i am actually paying Nationwide direct so in fact they still hold the account.

 

I did state on my prelim that i would like to be refunded in the form of a CHEQUE! but i am concerned now that they will see i actually owe them and then just credit the account with the 1270?? Any ideas? As i had already spent the money lol!!!

 

Comments would be appeciated!

 

Maria :p

***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 realsied ive made a mistake with the figures above its approx £1570 ish cant remember the exact amount im at work at mo lol..

 

Any comments re last message would be appreciated??

 

Thanks 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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Hi All

 

Just wondered if anyone has a reply to my previous post???

 

Also I rang Nationwide today as Im getting impatient LOL it took them 30mins (yes with me holding!!!) to track down my letter!!! (Prelim) Apparently they are sending me out a letter today whcih im assuming is the usual get lost its mines lol....... if i get this before the 14 days can I go ahead and send the LBA or am i better waiting till the 14 days are up?

 

Also if some one has any comments on previous post it would be greatly appreciated..

 

Thanks a lot 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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Maria, sorry I would have responded but I have been really busy with life these past few days so have hardly found time to come on.

 

Wait before the 14 days are up before sending the next one just in case they change their mind :lol: As for the figure difference, just amend on the next letter there is no problems there.

 

The other issue is a trickier one. I don't know anyone on here who has had a debt with Nationwide (overdraft aside) so I really do not know if they will just offset your fees to your debt or if they will pay you by cheque. I will have a read around and see what I can find out for you. The reason that I am wondering is if they HAVE to pay you in the way you request, if you see what I mean. I'll have a look.

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 Dolly xxx

***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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  • 3 weeks later...

Hi everyone, received my bog standard sod off reply from nationwide last week. LBA sent recorded delivery today!!!!

 

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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  • 2 weeks later...

Right their 2 weeks is up this week!!! had no reply from LBA yet. But just wondered if any one can help me with the court stage yet. Im gonna try downloading the court forms. (IS it N1 forms?) Only because I cant afford the moneyclaim fees and as I get tax creds I will have court fees waivered at local court. I thought I may aswell try filling them out before hand.... Also dolly wondered if you were able to find anything out about me owing them the debt still on account? thanks in advance!!!!

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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Update:

 

I received 2 letters yesterday, one dated 22nd september one the 25th, the one dated 22nd actually referred to the letter dated 25th lol, they are so psychic at nationwide they know about replies before they even happen lol!!!

 

Basically both of them were sod off letters and giving me detials of the financial ombudsman.

 

So Im assuming that I still do my court thing right????

 

I am going up to the court tomorrow to fill out my N1 form and get it sorted as apparenly my fees will be waivered as i am recieving tax creds?

 

Does any one know what else I need to take with me? Do i just take everythign and all correspondence from them. Also can I request on the N1 form that they pay me by cheque? Thanks for help in advance....

***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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Thats It Ive Done It Nooooooo Going Back Now Lol!!!!!

 

Been To Court Today And Started My Claim!!!!

 

Can Anone Advise Me As What Happens Next The Lady At Court Wasnt Very Helpful All She Said Was It Would Be Served Tomorrow Then They Have 2 Weeks To Reply???

 

What Is The Standard Does Anyone Know???

 

Thanks

***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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Once the claim is issued Nationwide tend to acknowledge it quite quickly, so within a few days they'll have you thinking that they are going to defend the whole amount. This gives them 28 days from the time it is issued (an extra 14 days). You should then get the money about two weeks after that. If you read some of the other threads it will give you an idea what to expect.

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Thanks Jackie.....

 

Also wondered if any one has been paid by cheque and how long does being paid by cheque delay things as I have requested to be paid in cheque form and put this clearly on the N1 forms.

 

Its just that I dont have access to the account as it is technically closed but as I still owe nationwide money I pay them every month so im worried they will pay into the account and i will see sod all lol........ but even if they do i suppose its still a bonus as I owe then over 2K but charges are over £1500 so it reduces my balance somewhat but I cant keep checking cos i dont have acces to it?

 

That didnt make any sense at all did it lol... well if it did comments would be great!!

***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 Maria, I don't know if you are keeping tabs on Barry's thread,

but it would appear (or so we think at the moment)

that he has been paid into his account that has been closed for 2 or 3 years!

 

This could be bad news for those of us with outstanding overdrafts on closed accounts,

in that the money might only go to paying off some of that overdraft!

 

I am in two minds as to whether to e-mail Nationwide and ask them to

reopen my account and allow me to see it online.

 

Although my refund would then be taken up by the overdraft,

at least I would know if they had refunded, wheras poor Barry has

gone the whole length of the claim thinking they were not going to give in,

only to receive a letter saying that thery have paid!!!

 

Very confusing at the moment,

but a big decision to make if it turns out they are paying money into closed accounts!!!

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Awwww well i will be gutted if they pay it into the account lol!!! I want a new sofa!!!:D

 

But hey at least Its one less debt. My concern is i am going to have no idea that they have paid me as I have no access to this account.

 

We will just have to wait and see what happens but heres hoping a big fat cheque arrives on my doorstep in the next few weeks!!! (and yours too vegy)

 

Let me know if you contact nationwide about re-opening it...

 

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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Lol, let me know if you get a reply!!!!

 

Thanks!!!

***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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Awww nooooooo

 

I am praying that they dont pay it into mines!!!!!!! let me know hoe you get on fingers crossed!!!!!!!

***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 don't owe Nationwide any money but have requested being paid by cheque too - will i end up with a positive balance on my closed Nationwide account or will they send me a cheque? Hope it's the latter!

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

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Right the notice was served on 30th September so they have until 14th October to reply? (right???) so when should i expect to get my money??? I really hope i get a cheque!!!!!!!!!!! So all you psychics out there whats gonna happen lol...

Input would be great!!!

 

 

Thanks!

 

PS Any Mods there do I need to PM anyone with my case number??? Thanks...

***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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