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Birdyboy Vs Nationwide


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Have my S.A.R - (Subject Access Request) letter in envelope, along with £10 cheque ready to be posted by 1st Class Recorded.

 

Will post tomorrow! (9th October 2006)

I will write a step by step guide on how I am doing it to enable others to follow suit. Hope thats ok! :rolleyes:

----------------------------------------------------------------------------------------

Step 1 - Send S.A.R - (Subject Access Request) letter with £10 cheque - POSTED 09th October 2006

(Tracking Number - DH 2023 7873 1GB) - NATIONWIDE RECEIVED 10th October 2006

Aknowlegdgement received - 13th October 2006

Wait 40 days for statements to be sent to me. If not, will be reported to Information Commissioner. Deadline 22nd November

Statements Received - 17th October 2006

 

Step 2 - Send PRE-LIM Letter including Schedule of charges without 8% interest -

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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My SAR has been received!

 

Your item with reference DH202378731GB was delivered from our DORCAN Delivery Office on 10/10/06

 

Now, its a waiting game! Woohoo! :grin:

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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Well, have received aknowledgement from Natiowide. Will hopefulyl receive my statements next week! :grin:

 

NationwideReply13.jpg

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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Received all my statements today! Woohoo! :D

 

Just flicking through, doesn't seem to mount upto much! :-|

 

I have an overdraft of £600 and don't think my charges come even close!

 

Is it worth me pursuing this still? Obviously, they'll close my account but I can't afford to pay the rest of the overdraft minus the charges.

 

Any advice?? :confused:

 

I will post later after me dinner and let you guys know how much my charges come to.

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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Well, i've had my dinner!! Yummy!!

 

Anyway, just totted up my charges with Nationwide and it comes to a grand total of.........drum roll please!..................:p

..........................

..................

...............

........

......

...

£243.50! :o

 

This consists of Unpaid DD, Unpaid Cheques & Unauthorized OD Fees.

I have not included Unauthorized Interest Charges. Should I??...:confused: ...

 

What shall I do guys/gals?? :confused:

 

My OD is £600, say I receive £243.50 from NW, that will leave me with £356.50 to pay off my overdraft before they close my account :shock: I can't afford to do this.

 

I have my account from Halifax, so will proceed with that claim even tho my account is closed. I got my account number from when I did Online Banking. I just went through the process of forgot your details and got it from there! Bit of advice to any1 who needs their account number from Halifax (and that you used online banking!)

 

Anyway, any suggestions on what I should do are greatfully received!!! :cool:

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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Scheduleofcharges.gif

 

----------------------------------------------------------------------------

 

Well, there's my list of charges!

What interest charges do I put on?? Confused :confused:

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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How did you get your charges to display like that? When I tried it came out all jumbled...?

 

I am clever!! :D lol

 

I just went into excel, copied the cells that I needed, pasted into MS Publisher, then file, save as picture. Uploaded to Photobucket, and Hey Presto! Im sure you could use Paint, or any other picture programme!

 

Anyway, no1 has answered my question yet.

 

Do I claim Nationwide now or after I have dealt with Halifax?

What about interest charges??

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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Thanks for that birdyboy - will give it a go!

 

You can start your Nationwide claim now if you wish, I dont think it matters how many claims you have running at the same time..

 

As for interest -

 

1/ Prelim letter - Just the 1st 3 columns of your schedule (no 8%interest)

 

2/ LBA - Just the 1st 3 columns of your schedule (no 8%interest)

 

3/ MCOL/N1 Court claim - include the 8% interest

 

-Kate

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Birdyboy

 

You make a valid point, if you claim the £300 and still have £300 there is a high probability they will close your account and you will need to have the £300 to cover that.

 

Nothing to stop you going upto the LBA stage and then wait til you have the £300 to cover the OD before issuing the MCOL. You also have to finf the £80 court fee.

If I have helped click my scales....

 

Find my threads by clicking here

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One question for anyone.

 

What interest charges do I include???

 

I have interest charges for Unauthorized OD, but also interest charges for an agreed overdraft.

 

Help me!! :confused:

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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You can't charge interest on agreed overdraft interest - as it was agreed - I know it's v confusing...

 

So, I assume I can add the interest charges for Unauthorized Overdraft? Yes?

Makes it a bit more clearer now! ;)

 

So, on my PRE-LIM letter, in the total it is Charges plus Interest (the Unauthorized ones)??

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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So, I assume I can add the interest charges for Unauthorized Overdraft? Yes?

Makes it a bit more clearer now! ;)

 

So, on my PRE-LIM letter, in the total it is Charges plus Interest (the Unauthorized ones)??

 

Sort of, but if you have a propostrion of you r overdraft that is agreed then you cannot claim for that portion, only the amount that is over the agreed limit.

 

this is why I didn't bother. From my quick calculations it was totaling about £200 out of my £5000 claim so didn't bother.

 

The complex spreadsheet helps a lot.

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If I have helped click my scales....

 

Find my threads by clicking here

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Ok, cool.

 

Cheers debt. I'll take a look at the ':eek: complex :eek:' spreadsheet, see how that goes. :grin:

 

Will send of my PRE-LIM real soon!!

Who knows, Nationwide might just give me the money back seeing as its a small sum compared to the others on here! ;-)

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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birdyboy - they will pay out regardless of the amount just keep plugging away and counting down the days on your calender. We permantly live on our overdrafts and i was very confused about the workings out (authorised v unauthorised) FWIW it didn't work out too that much, not worth the pain and scratching of head :confused:

I was going for compounded contractual interest so I used one of Vampiresses google spreadsheets (or Mindzai's is great too - in his signature) I used the simple compounded contractual interest spreadsheet - with this you just work out the the interest on your charges only and I could get my head around that one :-)

Not sure if it will help you but have a read of my thread - I think you can actually hear the penny drop!

 

http://www.consumeractiongroup.co.uk/forum/nationwide/28574-authorised-interest-unauthorised-interest-2.html#post256689

 

Good luck - keep plugging away and keep us informed - if you need anyone to take a look at things I'm sure there are a few of us around here to help out - only about 80,000 people on your side :lol:

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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Ok, I had a go at the complex spreadsheet. It seems to make sense to me!

I've only added the interest from the charges they made against. That way I know Im safe and not adding on unneccesary interest!

 

NW-ScheduleofCharges.jpg

 

So, from this, my PRE-LIM goes like this....

 

What I require

I calculate that you have taken £243.50 plus £7.17 which you have charged me in overdraft interest for the sum which you have taken. Total £250.67 .

I enclose a schedule of the charges which I am claiming with this letter

 

Does this look ok peops??

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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yes, but what would it be with compounded interest? not trying to influence you either way but have a think before you send your prelim... It will certainly be more than £7.17...

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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You've lost me sue! lol sorry...

 

Please explain....:confused:

 

What spreadsheet has compounded interest on it??

 

Thanks. Just need to get this bit sorted and I sould be on my way!

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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Sorry birdyboy :)

You need to go to Vampiress chambers. You can find the link in her signature, this then takes you to google spreadsheets for which you just need to register as a google user.

Then log in and you'll find a whole host of different spreadsheets. Open one up then save it as your own ( I used simple with compounded contractual interest) - this will not save to your desktop - it will be saved in your area of google cyberspace.

Then input the figures as you have done on the other spreadsheet and bingo there's your compounded contractual interest figure.

If you decide to go down this route please research the concept

 

http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html#post142054

 

It's lengthy but worth a read - give us a shout if you need any more help ;-)

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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Well, here is the Basic Spreadsheet with compounded interest. Not much of a raise Sue! lol

So, final question from me.

Does this look ok to send??? Let me know ASAP so I can send it! ;-) Thanks

 

:confused: One more thing, is all compounded interest at 18.20%?? :confused:

Im not sure if the percentage bit is working either? There is no formulae for it.

-----------------------------------------------------------------------

 

Picture1-1.gif

Capital One PPI Claim - Clicky!

24/10/11 - Message sent to request PPI refund

25/11/11 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years)

30/12/11 - Letter received to say sig does not match records after requesting SAR

30/01/12 - SAR received (after letter sent and phonecall to prove sig)

11/02/12 - PPI Demand letter sent

10/04/12 - Letter received with same offer as 25th Nov 2011

 

Dispute with car dealership - Clicky!

Successful

 

Halifax - £1110.00 :eek: (Closed Account) WON!!

28/11/06 - Pre-Lim with Schedule of Charges sent!

02/12/06 - Aknowledgment received (30th Nov)

11/12/06 - Phone call with offer

13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted!

13/12/06 - WON!! £1000

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Hi Birdyboy

I think you may have been using the wrong spreadsheet - I've put in the first two charges onto a vampiress google spreadsheet and come up with the following

 

CLAIM DATE: 23-Oct-2006

INTEREST RATE: 24.90% (this is NW unauthorised borrowing rate)

change to 7.75% - this is NW authorised borrowing rate

 

Unpaid cheque fee £25.00 7-Jun-2001

(compounded contractual interest at 24.9% = £57.70)

 

Unauthorised OD Fee £10.00 7-Aug-2001

(compounded contractual interest at 24.9% = £21.87

 

TOTAL CLAIM: £35.00 charges + £79.58 interest = £114.58

 

If you want to go down this route you need to research the idea properly but as you can see it may be worth it.

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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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