A bit lost & confused!

[yayamally]

Hi everybody,

 

This is my 1st post although have been reading avidly through others.

 

I sent the preliminary letter (16th March) and also the follow up one (30th March) to Nationwide with no response, although over the weekend I received £80 back into my account, I received a letter finally today which is the same standard one that everyone else seems to be getting where they stated the £80 was a good will gesture. I dont know what to do now though, should I ignore it and try and claim against them? Or is the law different in Northern Ireland, I've noticed that is states quite clearly over this site that it's english law and I'm not sure where I stand being in Northern Ireland?

 

I'm getting really confused reading through all the information on the templates page too and dont really understand how to complete the next stage,

 

Any advice is greatly welcomed!

 

Cath

[Dave Johnson]

As a European citizen, you have the same rights. Me thinks!

Dave.

[Andrea1967]

Hi

 

I am new here too and just about to start the battle. Somewhere on here - round near the FAQs is a Step by Step Guide posting. I have been reading avidly and I am sure it says something along the lines of, accept all monies offered but advise them that you will be claiming the full amount. I think it said verbally (perhaps if they offered you the part refund verbally) and in writing.

 

It is worth having a look for the the Step by Step instructions posting as it is very helpful. If I can find it, I will post again pointing you to it.

 

Good luck.

[BankFodder]

If you get any money without strings then take whatever you can get. If it is with strings then only take it if you want to be bound.

 

Not a problem being NI. Only the procedure changes. Have a look at the NI court service linked in the library.

[yayamally]

Cheers all!

 

I did phone them last friday as they didnt tell me why I got the £80 back until 2 days ago and they said it was goodwill so I advised them I would be proceeding further for the full amount. I received a letter today saying they where passing my intial emails to some other department, so will just sit back and wait now. Court action isnt due to start till 13/04 so will keep you posted.

 

Thanks again

Cath

[Andrea1967]

Good luck Cath. Fingers crossed for you.

[yayamally]

Hi everyone

 

I was suppose to start my court action against Nationwide yesterday but received a letter from a different department than all the other letters. This letter is from member services basically states that she is investigating my claim as the next step from customer services, if i'm not happy with her I have to go to Financial Ombudsman. It says in the letter though that she's allowed 8 weeks to do this, so am completely confused as to what to do.

 

Should I give her 8 weeks and see what she says or should I proceed as I have already given them 28 days (the preliminary letter & follow up).

 

Thanks for the advice guys I really want to nail these 'beeps' lmao

 

Thanks

Cath

[Spiceskull]

If you have given them 2X2 weeks to action your request then proceed with your claim. They are trying to derail your timetable...and you don't want that to happen.

 

Good luck.

[dave]

They have 8 weeks to investigate a complaint as allowed by the Ombudsman.

 

You didn't make a complaint - you requested your money back.

 

If you gave 14 days - in accordance with the CPR's - then, if it were me, I would follow the threat through.

[Bookworm]

Your claim, your deadlines.

 

Don't let them take control, or they'll run rings round you till you give up or die, whichever comes first.

 

To give you an example, I just got a letter yesterday from Cust Svces at Halifax giving themselves till 10th May to deal with my complaint... 2 days after their legal dept settled my total claim out of court! (it makes me laugh every time I think of it:D )

[Dave Johnson]

"I need to give you details of the Financial Ombudsman Service and I've enclosed their most recent leaflet, which you may find useful.You'll notice if you decide to pursue your concerns with the Ombudsman, you should do so within the next six months."

 

Was "Our approach to applying charges is in accordance with the Banking Code and is also in line with other financial institutions." mentioned ? Followed by "In light of this, and as our charges are levied in an appropriate and transparent manner, we regret that we can't agre to refund the charges incurred on your account. You did after all, accept this (as part of the terms and conditions) when you opened your account."

 

Talk about trying to send people in the wrong direction.

Fiduciary?

I think not.

Dave

[lancsman]

somebody once said ignore terms and conditions as the issue is illegality of unfair charges not terms n conditon......poo to them eh

[yayamally]

Ha Dave that sounds like the letter I received from Nationwide yesterday morning, they are completely defending their charges, well everywhere here (NI) is closed until wednesday morning, so will be proceeding with the courts then. Actually there letter has really riled me so cant wait!!! Bring em on

 

Goodluck & thanks to all

Cath

[jonni2bad]

They all seem to be creating a new "Put them off" book of excuses and statements.

 

Maybe this is an opportunity for me to get some more print business!!!

[Spiceskull]

They all seem to be creating a new "Put them off" book of excuses and statements.

It is also a good opportunity for us to gather all these excuses into one place, and create an 'objection handling' FAQ...I'll volunteer, but it isn't going to happen in the next couple of days...

[coffindodger]

It appears to me that the best way to get action from Nationwide is sent all correspondence regarding your claim to Charles Bacon by recorded delivery. He is obviously aware of the legalities of the situation and there will no conflicting messages from different parts of customers services (sic)

Brian

[Spiceskull]

I merged the 'starting claim tomorrow' thread with this one - they were both dealing with the same claim

[yayamally]

This topic was closed on 03/07/19.

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