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    • Thank you for your advice so far, I appreciate it. However, while I don't have a problem with (subjective) reformatting of my posts, adding hyperlinks to keywords, etc., please can you stop editing the content of what I write - in this case, making sure this now potentially appears prominently for anyone searching the purchasing dealer on search engines? It is putting words in my mouth and is just rude. My earlier comments are based on what the dealer told me. Had I known what would have happened, should I have named them, I wouldn't have, as I cannot guarantee the veracity of the claim with my own eyes.    I am aware of the basic intricacies of needing to prove law, and how it works in general, and having to prove loss, etc. The only legal recourse mentioned was if I needed to pay for it myself - and if I need to go that way, I will keep a running update here to help others. I am aware I will have to pay for the repair myself before I go down any legal recourse. There are other aspects of the various acts that can also be explored if it appears they are not following their obligations, other than me paying and claiming back. I am not a lawyer, nor have I needed to understand that the legislation does this depth in the past - hence my asking for assistance here. The only reason I mentioned it in passing is that it is the last resort.   And again, I don't mean to sound ungrateful for the advice given thus far, and appreciate it, and you have already helped. I feel like we have gone straight to level 11.   My current view of this is: It's closer to £9k, having looked at it again today. You may be able to drop £9k at the drop of a hat - but I can't, especially around an already expensive time of the year. And I earn enough to put me in the smaller percentage of the county’s earners. I hated having to type that as it can come across as boasting, but I did it to explain that having that much liquid cash is unrealistic - especially with interest rates what they are. I would have to sell equity, cash out saving etc. This will take time. The only card I have with enough credit limit to cover that much is my company one, which is a no-go. I agree this is taking too long for a simple, albeit expensive fault. It's analogous to fixing a crack in a windscreen. No one would call for an engineer report on that situation to know what the cause and solution was The core driver for me arriving here asking for advice is the additional delay their potential cowboy of an engineering company will introduce. A view reinforced having spoken to them to arrange a date. I am not putting any more exact details or prices at this stage, because I don't want to be any more identified than you already have by changing the thread title. One Google and those with knowledge know exactly who I am, and I don't want to potentially damage relations with the parties on my side by opening a potential can of worms. Law of unintended consequences and all that. In hindsight, I regret naming anyone yet, as this can still realistically be resolved this week. I just wanted to initially come for education and understand my options. Hope for the best, plan for the worst. And to escalate if plan A or B didn't work.   To answer:     I think I have. I phoned them today again, asserting the complaint was raised as a rejection under section 75 and recorded the call. I plan to follow this up tonight in an email with all the magic incantations and keywords I seem to have to include. However, I would still appreciate it being proofread if I could send it to someone via a PM. This is not because I have left any details out, it is just that it will include details around the repair I do not want to put in the public domain at this time, as it may compromise my position.
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Bathgatebuyer v Nationwide


bathgatebuyer
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:smile: Well, well.................................received my statements from Nationwide on Friday and have spent this morning tallying up the charges making full use of the spreadsheets on this website. From initially thinking I was only about £800 worse off because of these charges, I'm actually over £2000 worse off!

 

So, they'll get an opportunity to pay me or it's Moneyclaim or the Scottish Courts if I can be bothered with multiple claims to be recompensed for their unlawful charges. It's my money, they cannot justify those costs, and I want it back.

 

Time to pick out my new bathroom suite!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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:smile: Well, well.................................received my statements from Nationwide on Friday and have spent this morning tallying up the charges making full use of the spreadsheets on this website. From initially thinking I was only about £800 worse off because of these charges, I'm actually over £2000 worse off!

 

So, Moneyclaim being filed....................or I may break it up and claim via the Scottish Courts, I haven't quite decided yet :rolleyes: Either way, it's my money, I want it back, and I am not going to take no for an answer (definitely fighting talk where I come from!).

 

Time to pick out my new bathroom suite!

 

You're either brave or foolhardy.

 

And if you don't why you should read the FAQs and step by step guide here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

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Sorry, meant after sending the LBA!!! Getting ahead of myself there! The thought of getting back all those charges I struggled, worked extra hours, went without, etc, to meet was just to exciting for me on a Tuesday afternoon.

 

Michael, like to think of myself as brave!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Not brave - just entitled! I suppose I'm quite lucky in that going to court is a fairly regular part of my job, but I've never been the one raising an action before!

 

I hope Nationwide are quicker to resolve than Halifax as they are next on my list.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Well, that's me prepared my LBA. My total comes to over £2,500 using the spreadsheet from the template library.

 

Fingers crossed. Let's see how it goes!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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  • 3 weeks later...

Well, well they have surpassed themselves this time. I went to check my account at a local ATM to see if they had reimbursed anything. Guess what? They've added another £490 worth of charges on the account!!!!

 

I managed to stomp all the way into the nearest Nationwide and ask them to check up on this. Yes, they have been applying charges to the account in the interim. Fine, I'll take them to court with that sum included.

 

Looks like this is one for the litigation section then!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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  • 3 weeks later...

Sent off my N1 form with cheque (first time I've ever cheered as I wrote out a cheque!) on Friday. Taking on the Halifax and the Nationwide at the same time. Bampots.

 

Blinkin' Nationwide and their, "We're not giving you anything" well we'll see about that in Court.

 

Grrrrrr.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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  • 2 weeks later...

Claim numbers against both the Halifax and the Nationwide were given to me by the County Court yesterday. Notice of issue (if that's what they call it) is being sent to both institutions before the week is through.

 

Let's see if that focuses their minds somewhat!

 

Particularly pleased about that as the Nationwide served a default letter despite the court application and things being submitted. They knew I was going to court, knew it had been in dispute for 3 months and still sent out their silly wee default letter.

 

Well, Nationwide, it stops when you pay me back my money. Threats and poxy computerised letters do not scare me.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Sent off my N1 form with cheque (first time I've ever cheered as I wrote out a cheque!) on Friday. Taking on the Halifax and the Nationwide at the same time. Bampots.

 

Blinkin' Nationwide and their, "We're not giving you anything" well we'll see about that in Court.

 

Grrrrrr.

 

Which court have you chosen? I'm in Scotland too and sending off the LBA today. Considering the English courts

 

Good luck!

 

Caz

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Well well! Checked my account tonight and the balance is £700!!! Apparently some monies have been desposited in my account over the past few days in sporadic amounts.

 

Doesn't look like the final amount is in yet, and will take a chance to have a proper look through things tomorrow when I'm a bit breezier and brighter!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Still no sign of the full amount appearing in my account. I faxed them requesting the full amount and today I got a letter saying, "You're right - we haven't put the full amount in so we've corrected it by paying in 1p".

 

Cheeky ratbags!!!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Has anyone else had this experience with the Nationwide or any other bank? I'm convinced that my figures are right, but I'm wondering they are trying to throw a spanner in the works and try a new tactic to put doubt in the claimants minds over the validity of their own figures?

 

Would like to hear if anyone else has had similar.......

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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