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    • Difficult to say however you can most certainly attempt a chargeback with Nationwide.  Call 01793657689 and it should put you through to phone banking. They may reject the chargeback which is completely in their rights to do so.  You've spent the money on this so its not exactly unauthorised but at the same time - Paypal and Nationwide should have failsafes in place to stop this.    IF you are finding it difficult - Can I suggest Monzo as an alternative if things go south with Nationwide? I am with them full time - I dont gamble but i think it could be beneficial in your case - It will also give you a backup account if you need it   https://monzo.com/blog/2018/06/19/gambling-block-self-exclusion/
    • Turbo failure on a tdi with 100k miles. Starts sounding more like "common". I've had VW all my life and if looked after they'll go forever, but then maybe i've been lucky. Don't know if you can claim a new turbo from dealer, surely that would make him a loss on a 10 yo car which in market terms is an old banger.
    • No they do not have my card details. I paid by American Express   There are no pre hire photos
    • The mortgage (what there was of it) was  paid off a few years ago ( by massively overpaying each month and going without holidays, evenings out, fun etc) and the house is in my name.   I shall look into universal credit but was always told, by him, that as I was a 'director' of the company and being 'paid' ... ie the money for the household  bills ... I would not be able to claim unemployment.   I have however applied for reduced council tax ... I did this a week or so after he left and all I have heard so far was a request for his forwarding address, which I have supplied. Since I applied I have paid one months full council tax ... Do they backdate your claim and take any overpayments (in my case almost £50 per month) off an amended bill?   Thank you for replying, I feel incredibly isolated and alone at the moment.
    • Unless their policy is just to run the clock out and not ask for an extension again. I'd not be surprised, if a new PM completely ignored parliament and the 48 per cent who voted remain, just to hold their party together
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

offer refused

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Just thought i would log in and update everyone and also i need a bit of moral support. I am currently awaiting a court date. Rbs have defended my claim, i have sent off allocation questionaire. Before i was sent this i received an offer of approx half the claimed amount i have refused this and am really having second thoughts as i have heard nothing except a copy of their allocation questionaire. So i am panicking a bit it would be nice to hear from people who have been as far as this i am convinced they are going to make an example of me and take it all the way.

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don't worry Sharon, loads of success and moral support.


I have just sent my first letter to RBS and have 2 claims with Barclays both going through the courts at the mo.


Good luck and don't let the buggers get you down



My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque



Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07


RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

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Hi Sharon,


I am at roughly the same stage as you but I am about to apply to the courts as they offered me half as well.

Don't get down hearted........my thoughts often go to "will it be me they make an example of" but I am determined to go through with it.


Can the banks afford to go with it and risk losing?????


Go girl! hopefully in a few weeks you will be updating to say you have been paid in full and you will wonder what you were worried about.



make the most of today because tomorrow you can't go back ;)


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Thanks batty its good to hear from someone in the same boat. Hopefully we will all have our money through in full before xmas and as you said i would be wondereing why i worried. Anyway keep me informed.


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