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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Lorenz
      MCOL help not being paid for job

      By Lorenz · Posted

      No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By Badtimes123 · Posted

      Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • tedney
      HFC Marbles credit card SD - was dismissed as voluntary joint charge provided - now owed by Cabot - settled at home sale - was i overcharged?

      By tedney · Posted

      I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • FTMDave
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By FTMDave · Posted

      Open.
    • jk2054
      MCOL help not being paid for job

      By jk2054 · Posted

      did you submit your directions

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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Nationwide Credit Card and overdraft (N.I Belfast)

Lilythepink

By Lilythepink
in Nationwide

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citizenB

citizenB

Posted
Posted

I think yes, you need everything in writing, especially if they are going to issue a default notice.

 

It is likely that they will then sell the account to a 3rd party agency and if you have the arrangement in writing there is little any new owner can do to change it.

Have we helped you ...?         Please Donate button to the Consumer Action Group

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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dx100uk
dx100uk

I was once told the moon was made of cheese..   pers I wouldnt be doing anything until/unless arrows get their pet solicitors to issue a letter of claim. this would be easy to defend in

Lilythepink

Lilythepink

Posted
  • Author
Posted

thank you.

 

I am moving my money from the Nationwide,

I got the default notice this morning, with the usual stuff on it. so much for customer loyalty, and treating you sympathetically.

 

Only missed two payments, with the agreement in place, they have frozen the interest though, but think I will get it all in writing.....thanks again

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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citizenB

citizenB

Posted
Posted

IMHO, you should write a letter which says something like..

 

Dear Sir or Madam (or named person)

 

I would just like to confirm the conversation I had with XYZ on DATE.

 

My understanding of that conversation is, that you would freeze interest rates and refrain from adding any further charges on the account on the understanding that you would issue a Default Notice.

 

I can confirm I am in receipt of the Default Notice.

 

Please acknowledge this letter.

 

etc, etc.

 

If there was anything else discussed that you need to ensure will stay in place or that you dont want them to renege on, then add it to the letter.

 

Send at the very least with a free proof of posting and keep that safe.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Lilythepink

Lilythepink

Posted
  • Author
Posted

Thanks, have just done so. I have it all in their secure email system, which I will print off. thanks for the advice. always know that there is help on here.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Lilythepink

Lilythepink

Posted
  • Author
Posted

No not yet, as they have now said I can pay them £1 a month until December, but I am going to have to just not pay anything, as I am now going to be on benefits, and shall have to concentrate on paying my mortgage.....

 

I have a grievance in at work, and they are so slow at dealing with things.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Lilythepink

Lilythepink

Posted
  • Author
Posted

Found out in some old paperwork, that I cancelled a PPI on my credit card.

 

So I applied for my money back that I had already paid.

 

They quoted a telephone conversation, that I seemingly had, stating that I would rely on savings to pay my credit card if I was unemployed,

and that I would always get 6 months sickness pay from my work.

 

The letter also said I had told them I had a thyroid problem, which I knew they would link every illness I had to it.

 

But they are saying it was properly sold?

 

But why would I take it out, especially since I had answered their questions, which I can't remember?

 

Saying I had money that would let me pay the credit card....

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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dx100uk

dx100uk

Posted
Posted

sorry what are you getting at?

 

they've refused to refund?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx100uk

dx100uk

Posted
Posted

do they really

 

time to sar them then

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx100uk

dx100uk

Posted
Posted

£10 PO

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Lilythepink

Lilythepink

Posted
  • Author
Posted

Are all PPI's illegally sold? Just a query, as the Nationwide are saying that they thought I was suitable, it was in 2007, and I can't remember ever saying yes to something like this, as my work gives me 6 mths sick leave pay. Just before I send for the SAR I would just like to know, if you have to give a reason you think it was missold.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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dx100uk

dx100uk

Posted
Posted

nothing illegal at all, its not criminal

perhaps 'unlawful' as its civil

 

 

you dont put anything additional on the SAR.

 

just leave it as it is.

 

it does not need a covering letter either.

 

dont tip them off!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...
Lilythepink

Lilythepink

Posted
  • Author
Posted

Nationwide has said it has to charge me on my overdraft, yet I am on benefits of £71 a week, which is paid into my account, they say they have to by law.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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MARTIN3030

MARTIN3030

Posted
Posted

That is rubbish they are telling porkies....Maybe its just a Nationwide law.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Lilythepink

Lilythepink

Posted
  • Author
Posted

I have moved banks anyway, so they can keep on telling porkies, because they will not be getting any more out of me. Opened a basic a/c with another bank, and am going to try and get myself sorted. But I will ask them to show me where in their terms and conditions, that it says that they can charge me, even when on benefits.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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citizenB

citizenB

Posted
Posted
Nationwide has said it has to charge me on my overdraft, yet I am on benefits of £71 a week, which is paid into my account, they say they have to by law.

 

I have moved banks anyway, so they can keep on telling porkies, because they will not be getting any more out of me. Opened a basic a/c with another bank, and am going to try and get myself sorted. But I will ask them to show me where in their terms and conditions, that it says that they can charge me, even when on benefits.

 

IMHO, I would be writing a letter asking them to provide the law they are relying on ! Make it an official complaint and send it to the CEO at their head/registered office.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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MARTIN3030

MARTIN3030

Posted
Posted

I bet they would not dare to put this in writing.

 

This is a clear breach of BCOBS too.

 

Rule 5.1.4 G “Principle 6 requires a firm to pay due regard to the interests of its customers and to treat them fairly. In particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty.”

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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MARTIN3030

MARTIN3030

Posted
Posted

Group Legal

Nationwide Building Society

Nationwide House A2

Pipers Way

Swindon

SN38 1SN

 

 

 

 

 

 

Ref ;account number

 

 

Dear Sir/Madam,

Could you please advise me as to what statute of law states that it is a legal requirement for a Bank to take payments from a customer in respect of reducing overdraft arrears,irrespective of their financial circumstances,or the customer experiencing difficulties ?

This was what I was informed by a Nationwide customer services advisor recently.

Can you also clarify that both yourselves and Nationwide employees are familiar with BCOBS and that they understand that the Nationwide are not holding any special exemption from these rules ?

I have searched your website,and been unable to retrieve anything that would support this,but maybe have missed it due to poor judgment (something Nationwide staff are very good at)

Alternatively,please supply me a copy of the current Nationwide law.

 

 

Kind regards.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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