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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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help or advice please re Nationwide Mortgage


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I've been advised by Dolly to ask the question on this forum. Briefly, I want to claim back around £2500 from Nationwide re flex account charges. They have been taking the charges from the flex in favour of taking the direct debit for my Nationwide mortgage. I'm now £1700 in arrears, monthly payment due is around £600. Qeustion is -

 

is it ok the continue with the action re bank charges as the mortgage is in arrears? I'm worried they will forclose on my mortgage if I claim for flex charges.

 

Will they treat the mortgage seperately from the flexaccount? I know they will ask me to close my flexaccount. Advice appreciated. Thank you.

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I've been advised by Dolly to ask the question on this forum. Briefly, I want to claim back around £2500 from Nationwide re flex account charges. They have been taking the charges from the flex in favour of taking the direct debit for my Nationwide mortgage. I'm now £1700 in arrears, monthly payment due is around £600. Qeustion is -

 

is it ok the continue with the action re bank charges as the mortgage is in arrears? I'm worried they will forclose on my mortgage if I claim for flex charges.

 

Will they treat the mortgage seperately from the flexaccount? I know they will ask me to close my flexaccount. Advice appreciated. Thank you.

 

I don't think they can close mortgage account as you are claiming on flex account. However they could try repossesion, but you would be in a position to pay off the arrears with what you are reclaiming. How far in arrears are you and will you making this months payment?

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Arrears stand at £1700, which is just short of 3 months. I will be making this months payment as I have opened A lloyds current account so that Nationwide cant steal anymore of my money. Therefore I can pay this months payment rather than half of the value of the mortgage payment going in bank charges.

 

I spoke to Nationwide on Friday 1.9.06 and explained the mortgage is arrears due to the flex account charges being applied in horrendous quantity, sometimes £300-£400 per month. They want £1700 paid back in 3 months. They will be ringing me back on 14.9.06 to hear what I propose to do to clear the arrears. I cant pay the arrears as I have used a substantial amount of my savings over the last 4-5 weeks to pay bills as the flex situation was in free fall. I have cancelled all my direct debits from the flex account.

 

I have still not sent my letter to reclaim the bank charges.

 

What should I suggest to Nationwide on 14.9.06?

 

What should I do about sending letter for bank charge refund?

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Arrears stand at £1700, which is just short of 3 months. I will be making this months payment as I have opened A lloyds current account so that Nationwide cant steal anymore of my money. Therefore I can pay this months payment rather than half of the value of the mortgage payment going in bank charges.

 

I spoke to Nationwide on Friday 1.9.06 and explained the mortgage is arrears due to the flex account charges being applied in horrendous quantity, sometimes £300-£400 per month. They want £1700 paid back in 3 months. They will be ringing me back on 14.9.06 to hear what I propose to do to clear the arrears. I cant pay the arrears as I have used a substantial amount of my savings over the last 4-5 weeks to pay bills as the flex situation was in free fall. I have cancelled all my direct debits from the flex account.

 

I have still not sent my letter to reclaim the bank charges.

 

What should I suggest to Nationwide on 14.9.06?

 

What should I do about sending letter for bank charge refund?

 

Saving your house has to be the priority here and you are now 3 months in arrears. Reclaiming charges takes a while, although you will be back on your feet when you win your claim. If you have a repayment mortgage you could ask the NW if you could make interest only payments for the next 6 onths and then use the rest of your normal payment to pay the arrears. You could tell them that a family member or yourself is expecting a windfall in the next 3-6 months and you then expect to be in a position to repay the debt entirely and bring your mortgage account up to date.

 

The only reason I say use the windfall line is because you want the agreeemnt of the arrears in writing from them, before you start claiming, given that you are at a point where repossesion could be likely. (If it was just an overdraft I would tell them where to stick their questions until they pay what they owe you, but mortgage arrears has possible serious repurcussions)

Consumer Health Forums - where you can discuss any health or relationship matters.

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