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Jude v Nationwide **WON**


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Me too, have been reading through some of the claims on here and am shocked at the amount some peope have been charged. I am claiming £420 so am hoping that they will settle this 'smaller' amount more easily!! Good luck with yours!

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It is great to see the support on this site. One small question - I have had my Nationwide account for ages and can't remember when I opened it. Does that matter?

 

 

Not really as long as you have the account number they can provide you with the information.:D

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I guessed in the end, got impatient waiting for Nationwide to tell me! :)

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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I am looking into setting up another account. Alliance and Leicester is suggested by Martin Lewis so I went to their website. However, I do have a CCJ and adverse credit history and their site says the account is not for such as me. Any advice, please?

Dolly Day Dream

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Co-Op, Lloyds TSB, Nat West all offer basic accounts - Co-Op have an electron card, NatWest the Maestro (I think) and TSB Basic none BUT a good thing with TSB is that they review accounts internally so it is a great possibility that after 6-12mths of running the account well you might get upgraded.

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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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I have never used a spreadsheet (I am a pensioner - Silver surfer is the word, I think!) so I have bought an idiot's guide to help me work it all out. I am determined to get this sorted. After checking online they owe me over £1600 just for the last 15months, so it will be more for 6 years. I am so grateful to have my hand held here. Thanks everyone.

Dolly Day Dream

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Chanzuk,

 

If you have started your own thread please keep your questions on there. If you haven't started your own thread, please do so.

 

This keeps the forum easier to read and follow.

 

In answer to your question, many people have been told this. The answer is that statements are personal information, and as such £10 is the most any bank can charge.

 

Read the FAQs, fill in a SAR and send it, enclosing a £10 cheque for payment.

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My splendid folder of duplicate statements has arrived. To my shame/horror the total of charges adds up to £3597.50. I managed to get a couple of refunds from Nationwide last year. Do I just leave out the charges for that month? I am not sure how to allow for them otherwise. :oops:

Dolly Day Dream

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I have typed and signed my Prelim letter ready to go recorded delivery on Monday morning. I used the online banking service to ask when my account was opened and now have that information. I am claiming nearly £4000, so with interest it should be a great Christmas! Thanks for all the help here.

Dolly Day Dream

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Jude

 

I have just read your thread and you have my utmost respect. A pensioner, using a PC and spreadsheet plus willing to take there bank to court.

 

If I can be of any help just let me know and ask any questions.

 

If you follow the process to the letter and give the 14 days for each step you WILL have you cash back about 7 days after you file the court papers, 5 weeks from posting your prelim.

 

Good luck.

If I have helped click my scales....

 

Find my threads by clicking here

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The expected *** off letter has arrived, so I shall get my LBA letter ready. Things are really looking up. I shall be 65 next month and it seems I shall get a bit more on my pension!! Incidentally, I only retired 3 years ago and used a computer at work for ages before that, although inputting details of children's immunisations, etc wasn't that taxing! I was a Health Visitor and we had to log all our activities so that managers could check we saw lots of people - the quality didn't matter. Just the numbers. Perhaps I should have a rant on the NHS thread.

Dolly Day Dream

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I have been trying out Vampiress' spreadsheets. Why is it that the one with simple interest seems to work automatically, but the compounded contractual one doesn't. What am I doing wrong? I thought I would try all the options as I would like to get the most possible from the bank. It seems fair do's after all the trouble they have caused me.

Dolly Day Dream

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I have been looking at various threads and the FAQs to decide which rate of interest to go for. Vampiress recommends compounded contractual interest and her spreadsheet states it is at 18.2%. Having put all my figures in it is very tempting to go for it, but I can't find the justification for claiming it. Can anyone please give me some advice? I don't want to miss out by being too greedy, but I could really do with the extra cash if I can justify it.

Dolly Day Dream

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Jude - I have successfully claimed compounded contractual interest at Nationwides authorised rate of 7.75% - I've accepted it as a part payment as I'm still pursuing them for the unauthorised rate of 24.9%.

take a look at my thread

 

http://www.consumeractiongroup.co.uk/forum/nationwide/28574-authorised-interest-unauthorised-interest.html#post222042

 

I also know that debt mountain has also claimed it for his second claim against them

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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