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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
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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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Share on other sites

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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