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    • There are example threads where AOS is done but defences are submitted late, it happens, sometimes because MCOL is broken! As the claimant you will be able to reference a late filing and request it be struck out for not following Court Directions, for example if the defendant arrived at court with it on the day without submitting... but I believe there is some (slight) wriggle room for defendants (reasons depending) on late defence. I believe you just need to continue your claim, no defence and not following court directions will almost certainly strengthen your case
    • I'm afraid it's against site rules to recommend lawyers. You could look on the Law Society's Find a Solicitor page for local firms with the right expertise, or google nwnf lawyers in the uk, then check out reviews on social media, review websites and so on, to see how other people rate them. 403 - The Law Society SOLICITORS.LAWSOCIETY.ORG.UK HB
    • Thanks for that information. I seem to think they have similar names and similar addresses and I thought it was Aldi that was offering the great deal that attracted you to that car park. So we are still stuck with Nexus. Please do not call DCBL about a settlement figure.The first reason is that they have your telephone number which is not something you want to give to those vultures as you rightly call them. They will then harass you on the phone and try and send you last minute details the day before the case -which they shouldn't do. And second they are already charging you £60 to £70 more than they should lawfully, to that they will then add the Court costs that they haven't yet paid or incurred and then say that they will give you this great offer of £150 to avoid going to court.Big deal-not. Were it around £50 that would be a better deal but they would not accept that.   
    • Hugo, how are you getting on? the deadlines can creep up on you. It's useful to have a week or two in drafting a defence, so you can understand it for yourself before submitting. Read other like threads for examples and tailor to suit you. Get one drafted and posted (without personal info) and let us take a look
    • OK thx jk2054 I'll go that route, does anybody have any positive reviews of NWNF law firms they've had experience with? I did consider InjuryLawyers4u, but apparently they're more of a broker, & who you end up dealing with can be hit & miss.  Would rather try & get a sharp firm that are on-top of things if possible.   
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Fuzzgun vs Nationwide *WON*


fuzzgun19
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Even more excited now!!

 

Total refund in my bank this morning!!

 

My claim was for £989.53 + £227.48 (8%) + £80 court fee = £1297.01

 

The amount i have received is £1291.55 which is £5.46 short.

 

Not too bothered about that tho.

 

What do I now do re the claim, do I just email to tell them its been settled, or do I have to write them a letter too?

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Well done debt mountain and fuzzgun - i think my predictions were spot on :)

Can I ask did you claim compounded contractual interest - if so, at what rate - NW are saying I'm only 'entitled' to 8% (don't know where they got that figure from) I think it's actually up to the judge to say what I'm 'entitled' to

Spoke to some stupid women at NW - yes you know who you are! seeing as you told me you read this site all the time - who didn't know what compounded meant! :confused:

 

Redsue

 

I have not yet received the bulk of my payment yet, hopefully later today.

 

But I did claim contractual but it was at 7.75% which is the authorised interest rate, but then ontop of that I claimed loss of savings interest at esavings rate of 4.85%. So not sure what they are going to do about paying me for that.

If I have helped click my scales....

 

Find my threads by clicking here

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Thanks debt mountain, hopefully you will be refunded the rest today :)

 

I think I will email MCOL and tell them, and put it in writing also (just to be safe)

 

Redsue: I didnt go for contractual, as I found it too confusing lol but Im very happy with what I have received!

 

Will transfer to my parachute then make my donation.

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Even more excited now!!

 

Total refund in my bank this morning!!

 

My claim was for £989.53 + £227.48 (8%) + £80 court fee = £1297.01

 

The amount i have received is £1291.55 which is £5.46 short.

 

Not too bothered about that tho.

 

What do I now do re the claim, do I just email to tell them its been settled, or do I have to write them a letter too?

 

 

Well done!

 

When I had my claim settled through MCOL the lady on the helpdesk just asked me to give them a ring and let them know it was settled when I had actually received the money.

 

Sarah

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Anything along the lines of:

 

Dear Sir,

 

Account No:

Claim No:

 

Thank you for crediting my account with the sum of £xxx in settlement of the above claim.

 

I confirm that I will withdrawing my claim and will cofirm this in writing to the court.

 

Yours sincerely,

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Having had the 'We are closing your account' letter following my claim, I was wondering that will happen to the interest for this year on this account?

 

I know it wont be much, but will they send me a cheque in April?

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Had great pleasure today going into Nationwide, taking all the refunded money out and then handing my card back!

 

The assistant looked puzzled.. then I explained in a rather loud voice that the money was unlawful bank charges that NW had refunded, then they had spat their dummy out and closed the account so wanted their card back.....

 

"oh ok" says the assistant.

 

Hey ho.. thats one less PIN number to remember LOL

 

:)

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Hi Iain,

I filed my money claim online as it was convenient for me.

 

Its up to yourself it you claim online, or use the N1 form (you dont have to do both)

-Kate

 

Thanks Kate,

 

went to claim money on line and discovered that you have to have english address. Unfortunately I live in Sunny(not) Scotland and will have to do a bit more work and make two individual claims of1.5k thro the summary courts....Hey Ho but i'm now on track an all set to Claim It All Back... Congrats on your recent success.

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  • 2 months later...

Hi, I dont know if any one can help me but ive sent off all my letters to nationwide and there still adamant that there not going to pay out.... My next step is to take them to court, but I have also been charged again this month. Also can anyone tell me how you work out the interest rates? Do you put the full amount that you are owed and put in the date from the very first time you were charged?

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Hi, I dont know if any one can help me but ive sent off all my letters to nationwide and there still adamant that there not going to pay out.... My next step is to take them to court, but I have also been charged again this month. Also can anyone tell me how you work out the interest rates? Do you put the full amount that you are owed and put in the date from the very first time you were charged?

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