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Sarah Vs Nationwide


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Hi, i've just joined and it's taken me half hour to work out how to post to everyone!! (if im doing it right now?!)

 

I have started a claim against Nationwide ref a flex account. I have sent the letter with £10 payment requesting the Data disclosure info. They sent me a standard letter & recieved all my statements today.

 

Im a little confused as to how I compile the spreadsheet stating all I am looking to be refunded as im not an experienced pc user & no good at formula's.

 

Do I request for bounced DD, ceque charges etc and then interest charges for going over my overdraft limit? I assume normal overdraft charges are not applicable? I am confused regarding standard 8%???

 

I would be grateful for any help and advice as to where to go from here

 

Thank you

 

Sarah

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Hi Sarah

 

You add up all of your fees for overlimit charges and unpaid cheques,unpaid direct debits. Add the dates and amount to the spreadsheets. The formula in the Excell spraedsheet should work it out for you.

You really only add the 8% interest at the time you file with the court service.

If its a credit card,use the contractual compounded rate, you know the rate on your statement. It will look like :

 

1.989% cash advance

1.967% purchases

 

just take that figure 1.989% and times by 12 = APR

 

So 1.989% X 12 = 23.8% APR

 

Makes a big difference on your credit card charges.

 

There are some links below to get you started.Help is always on hand.

Good luck

 

Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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hi sarah im in the same boat, not quite sure what im doing either. all i can say is that the links people send are excellent, i tried to go straight into things and thats why i got confused. spend time looking into the site and read other theads and either take notes or add to your favourites so its easy to get back in. by the way im still struggling to post new threads and set up personnel messages. anyway all the best....you will win

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hi sarah, im new ,started last week. please read all the links people send you they are excellent. im new...v.lloyds/tsb and slightly confused. and ive been given alot of good links. by the way im cant get my head around how to post new threads ans personnel messages either. good luck im sure you'll win

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  • 3 weeks later...

:confused: Hi, i've put a question in somewhere else on the site but i've possibly posted it in the wrong area!

 

Ive sent DSR & got all data back, sent in initial request for refund (using a template in the library) with the charges spreadsheet & interest etc.

 

Suprise suprise got a letter back basically saying no refund.

 

Im stuck about what to do now, i've seen bits about MCOL or N1 forms, who do I send them to if I complete them? how do I go about moving on to claiming through the court? do I tell nationwide I intend to go to court or do the court tell them?! Im lost!!!!

 

I would be grateful of any help/advice

 

Thank you

 

Sarah

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Read these first and then come back with any questions you have if you don't understand anything.

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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  • 3 weeks later...

Hi, Ive looked at the advice on what to put in my claim, is the minimum information shown enough or do I need to add more?

Also do I recalculate my interest etc on the (spreadsheet) schedule of charges I sent them previously so it's done on the date I put in the cxlaim or leave it the same as I sent Nationwide?

Im worried if I do any paper work incorrectly I will have my claim quashed on a loophole, has this ever happened?

 

Any help would be appreciated, Sarah

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Im worried if I do any paper work incorrectly I will have my claim quashed on a loophole, has this ever happened?

Yes yes yes yes and yes.

Be very careful. You don't have a lot of space. You need to mention the pieces of legislation you are using by name. ie common law, uttcr, county courts act and supply of goods and services act. IT ALL NEEDS TO GO IN.

 

If you are AT ALL unsure as to whether you've been able to say everything on the form then please consider this. You may be better popping down to your local friendly county court and picking up an N1 claims form. There are templates for filling this in in the library. The advantage is that you have more space and that you can send the court your spreadsheet at the same time. This may encourage the bank to settle quickly.

  • Haha 1

NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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  • 3 weeks later...

Hi, im struggling with the final leg. I have sent all letters and spreadsheet etc. I am now at the stage to complete my MCOL in. I am a little worried/confused regarding a few bits, please could anyone help me?

 

*If I do not win the claim will I be responsible for Nationwide's legal costs? I am concerned as I could not afford to if the case is yes

 

*Do I amend the charges spread sheet to calculate the interest from the date I do the MCOL or from when I started contact/first letter to Nationwide? I don't want to do it wrong & loose on a loophole.

 

*I am unsure of how to work out my daily rate of interest for the Money claim form? Also is it necessary to add anything else to the template of the money claim form shown in the Template library or is the example shown enough information?

 

I am aware I am asking for a lot of help, I have spent hours reading as much as possible throughout the site & im very aware it all needs to be done correctly. Any help would really be appreciated, Many Thanks, Sarah

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hi sarah

 

ive had a check through your threads and cannot find any sign of the total amount you are reclaiming, but basically, if your claim falls into the small claims track . ie. under £5000 then you have no concerns with regard to costs.

 

the spreadsheet is set up to calculate the interest at the present day, so every time you send off a copy of the spreadsheet it will calculate the interest automatically to the present date.

 

Daily rate of interest is calculated by multiplying total charges X 0.00022p.

 

There is nothing additional you need to add to the MCOL template in the library, it works fine with simple claims on one account.

 

The process is straightforward but you are right to ask questions at each stage. Ive sent you a pm so let me know any further questions.

 

good luck

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4 Threads merged and moved to right forum

Please can you keep to this one thread when updating or asking questions or as Katesage has pointed out above it is harder and time consuming for us to look through all your threads before we answer .This way you will get a quicker and more informed answer :)

Janet

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 2 weeks later...

Hi, will do apologies, have only now just about got the gist of the threads etc.

 

To keep everyone up to date. I have put in my MCOL, had confirmation from the court on Monday 11/12/ in writing then got confirmation details of where it was sent on Friday 15/12. I have got schedule of charges copied ready & the letter's to send to court & Nationwide for them to attach the to my claim. I will be sending them recorded delivery on Monday. Any one have any idea's what will happen next or rough timescale til things get moving? Courts have given Nationwide til 30/12 to reply.

 

Thanks you for every ones help & support, It was so daunting having little o'l me against big horrible them but im getting there now :)

 

Sarah

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Hi, will do apologies, have only now just about got the gist of the threads etc.

 

To keep everyone up to date. I have put in my MCOL, had confirmation from the court on Monday 11/12/ in writing then got confirmation details of where it was sent on Friday 15/12. I have got schedule of charges copied ready & the letter's to send to court & Nationwide for them to attach the to my claim. I will be sending them recorded delivery on Monday. Any one have any idea's what will happen next or rough timescale til things get moving? Courts have given Nationwide til 30/12 to reply.

 

Thanks you for every ones help & support, It was so daunting having little o'l me against big horrible them but im getting there now :)

 

Sarah

 

Sarah

 

I filed on the 7th and it was issued on the 8th. Marked acknowledged on the 12th. Heard nothing from Nationwide - only a letter from the court. checked my balance today to find almost 100% of my claim has been paid in three separate amounts!!!

 

So very quick, and very easy. It will be the same for you - good luck!

 

Caz

x

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Caz,

 

Hi thanks, im just so nervous now!!

 

I filled out MCOL on the 9th Dec, It was issued on 11th Dec and Acknowledged on 13th Dec, Ive not heard anything yet or had any payments made. Am I worrying unnecessarily or should something be happening by now?

 

Sarah

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Im glad im not alone, my poor lap top automatically goes to my banking when I switch it on, i've checked so many times!!

 

Please let me know how you do as we've do things at the same time, im always thinking they'll get round it cause i've done something wrong in the paper work-either that or i'll be the first they decide to take to court!!!

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****Update***** im getting there at last, £731.51 has just appeared in my account in the last hour (how sad I check it that often!!) My claim is for jut under £5000 excluding court costs so it seems to be a random amount but judging from other threads i've read it's the norm for it to be paid it odd amounts?? Keep it coming Nationwide :)

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Just got to get the rest now, hopefully some loser from NW is sitting there giving me back the money they should never have taken in the first place.

 

When it's all sorted I have decided im going into my local branch & will vocally explain that I have won against them & I want to close my account before they unlawfully take any more money out!!!

 

Petty really but I want the satisfaction of me telling them to stick it not them closing it!!

 

Fingers crossed the same will happen for you, just keep checking- im sure you will ;)

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****Update***** im getting there at last, £731.51 has just appeared in my account in the last hour (how sad I check it that often!!) My claim is for jut under £5000 excluding court costs so it seems to be a random amount but judging from other threads i've read it's the norm for it to be paid it odd amounts?? Keep it coming Nationwide :)

 

CONGRATULATIONS SARAH! I hand delivered my 'Notionlesswide' claim on the 8th and since phoning the court they told me that it was lodged on the 12th. Like everyone else, I too keep checking my bank statement on line, but still not a penny:( . Thinks???? Am I going to be the 'test case'?:confused:

 

Have a great Christmas Sarah.

 

rog37

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