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Ade & Fab & Nationwide


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Hi all,

 

Just to let you know where we are up to on this one.

 

DPA letter sent 16th October.

 

I have today received the copy statements and will claim £1,057.60 from them.

 

As I have heard that Nationwide close accounts I will add a few words about them not closing this active account with a few threats that this will cause us to fall behind with Mortgage payments etc.

 

Can anyone suggest wording I can use?

 

Thanks

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Hi welcome again!!

Have a look in the nationwide threads.

You could add a few lines expressing your concerns.

Whether it will make any difference is questionable.

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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This is to correct a previous post in the incorrect Forum.

 

The story so far.

 

SAR Request sent 16th October.

All statrments received 18th November

1st request for repayment of charges sent 20th Nov for £1,057.60:-x

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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  • 2 weeks later...

We have now received a letter from the very nice people at Nationwide thanking us for our letter.

 

They have declined our request for repayment.

 

They will now get the secondletter.

 

Watch this space!

 

Ade&Fab

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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hi ade&fab

 

new to site and i am trying to understand the whole process.

when you first wrote to nationwide did you ask for a list of charges or did you ask for statements for last 6 years? also what address did you write to?

any help would be great

 

cheers gazza

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  • 1 month later...

After delays they were sent the letter before action 3rd Jan.

 

We received a letter 17th Jan declining to repay the charges with a very nice section in it as follow:

 

"We are genuinely sorry that this matter has caused you concern and hope this clarifies the situation and explains why we are unable to refund your charges. If you feel that you are unable to abide by the terms and conditions of your FlexAccount then regrettably it may be an appropriate time for you to consider changing your account to another provider."

 

Sounds like they are threatening me. Well I ask all of you who have accounts with Nationwide to follow my example and close them!!!!!!:o

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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MCOL issued today 22.01.07 for £1,234.65 includinf interest and costs.

 

Watch this space!!!

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Thanks for your post on my thread (Princess V Nationwide). Will keep you informed if any thing (money) happens as we are at the same stage.

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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Acknowledged MCOL today. We seems to be on the same time line. As I understand it sometimes they say they are coing to defend and don't or just do nothing. Either way they seem to just start putting money into your account in dribs and drabs.

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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  • 2 weeks later...

You know that you are going to have one of those days.

 

Alarm fails to go off!

Tubes delayed and even later to work!

Very bad day at the office!

You get home from work and on the door step is a letter from Nationwide. What do they want now, money, bank charges, their defence.

 

But NO!!!

 

Settlement in FULL!!!:o :o :o

 

They are not even going to close our account like they have been known to.

 

One down three more to go!!!!!

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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...They are not even going to close our account like they have been known to...
Methinks another letter from Nationwide is due to drop on your doormat very shortly!...lol...;)

Congratulations on your win btw!

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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After winning against the Nationwise, we today received a very nice letter from them stating their intention to close our account.

 

Here is my reply to them to be posted to them tomorrow:

 

Your comments on this letter are most welcome.

 

Thank you for your very kind letter of 6th February 2007 regarding you intention to close our accounts with yourselves.

We are truly shocked that you intend to take this action.

The legal action we took against yourselves was not regarding the conduct of this account, rather the regime of 'fees' you operate and if they were lawfully and in a manner which complies with UK law.

By not contesting this in a court of law, and repaying these to ourselves, your organization has admitted to these charges being unlawful.

If as you state in your letter that we as your customers are “unwilling to conduct our account in accordance with your Flex Account Terms and conditions”, you also have broken your own terms and conditions.

We therefore argue that your intention to close our account is a malicious, disproportionate reaction to our “penalty charges” complaint. You have acted against the advice of your own professional body; The Banking Code Standards Board. (We note that the Abbey have stated that they will be following this advice). You may want to note that the Ombudsman has just adjudicated in a complaint against the Alliance & Leicester on a complaint that the A&L closed a customer’s account in response to a claim for bank charges. The FOS decided that the closure was indeed unfair as it was punitive and retaliatory.

We hereby serve notice that unless we hear back from you by Friday 16th February that you have reversed this decision we will take the following action.

· File a complaint with the FOS.

· Take out an injunction against this action and sue for damages.

· Start a leaflet campaign outside your branches advising customers how to reclaim their charges and where to get advice.

Yours faithfully,

 

8)

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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I would take out the last bit about leafleting outside the branch as you may have read in the campaigns bit, but apart from that seems ok

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After winning against the Nationwise, we today received a very nice letter from them stating their intention to close our account....Expect any different did U??...lol...;)

 

Here is my reply to them to be posted to them tomorrow:

 

Your comments on this letter are most welcome.

 

· File a complaint with the FOS.

If U feel so strongly inclined, U have my whole-hearted support!

It costs Nationwide for every complaint.

There is the OFT approach also, I believe?!

· Take out an injunction against this action and sue for damages.

U would have to quantify the damages in monetary terms.

The injunction may take time and money better put to use elsewhere?!

· Start a leaflet campaign outside your branches advising customers how to reclaim their charges and where to get advice.

NOT advisable on legal grounds!...Also, who pays for the leaflets btw???

 

Best of Luck!

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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I think it's really bad that NW want to close your account. They have admitted their charges were wrong when they gave them back to you.

 

I hope your letter works but I have to agree that the leaflet campaign would not be a good idea. You may attract Police attention and I'm sure that a good citizen like you wouldn't want that. I do totally agree with the principals though.

 

I'm chasing them for £120 so I will let everybody know the outcome.

 

Good luck - can't wait to hear if you win!

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Milk, you were right.

 

Thanks for your note. I dropped the leaflet bit, so I wait and see!!

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Garu, I claimed 8%

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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  • 2 weeks later...

OK, Here we go.

 

After appearing on Watchdog 20.02.07 I again contact Nationwide to see if they had changed their mind, but they still aim to close my account.

 

I am now planning to get an injunction against them and sue them.

 

If anyone has any idea's on the wording I should use and how I go about this please let me know.

 

Just in case I have reactivated an old Woolwich account, which will be great when Woolwich pay up as well!!

 

Will update once the next stages start, but I am now planning to leaflet Nationwide branches, but I am now very good with Words.

 

If anyone can help me on that front, and once ready help me on this as well that would be great.

 

First target will me Morden Branch then move out from there!!!:lol:

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Hello ADE&FAB!

...I am now planning to leaflet Nationwide branches, but I am now very good with Words.

 

If anyone can help me on that front, and once ready help me on this as well that would be great.

 

First target will me Morden Branch then move out from there!!!:lol:

Have U also NOT considered going down the route of starting and leading a campaign to have the Nationwide De-mutalise???

They are STILL a Building Society and should be putting their members 1st, as they have no shareholders to make profits for, and therefore, even more so, should NOT be debiting unlawful Charges and closing accounts!!!

Despite any caveats with regards not receiving any benefits from any potential floatation. It should be remembered that Nationwide's % rates are not market leading.

Just imagine how the Nationwide Board would squirm @ the thought of 100,000 CAG members having Flexaccounts and forcing the Board to seek alternative employment if they were not to change their current policies??!!

Am sure that U may have more success than your proposed local Demo?!

Viva la Resistance!...Comrade!!...;)

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Hi there, im currently in the stage of reclaiming charges from nationwide, and im at the court stage, and was wandering where i get the template for completing my N1 form. Also does anyone have the excel calculator for calculating my interest?? any help would be very much appreciated:)

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