JB vs Nationwide **WON**

[jackburton]

Hello all,

 

First post but I've been through the initial letter and LBA letter stages and am just filling in the MCOL.

 

Nationwide have said b*gger off in all instances. I'm claiming ~£500.

 

A couple of questions if anyone knows the answer.

 

1. How should I work the default removal request to the particulars of claim?

 

2. I cannot seem to pay by Visa Electron, anyone else found this?

 

Thanks,

 

 

Richard.

[jackburton]

Well, court claim issued on Thursday.

 

Charges have now all been refunded to the bank account..

 

However, minus the £50 court fee. Will wait until they send me the standard letter about "it's not worth us seeing you in court".. and then let them know about the court fee.

[jackburton]

All changes refunded now including the court cost.

 

Transfered money out of the account today so will be in my main bank account by Monday....

 

Onto the next one..

 

Total refunded £466 + £50 court charge.

[MilkTrayMan]

Hi JB,

 

CONGRATULATIONS on getting back what they "unlawfully" took from U in the first place!

 

...But how did U get on with the removal of your Default Notice???

[jackburton]

Ah, that is something I need to confirm with them.

 

To be honest I'm not sure whether they actually did default because usual practice is to close the account when it defaults.

 

However, the account has remained open (for the time being anyway).

 

I'll send them a secure message via their website and update this thread..

[MilkTrayMan]

Hi JB,

 

Was asking cos my B/H has a letter from when her account was closed down earlier this year.

It states that a Default Notice was to be issued even though she had something like £300 refunded as "Card Misuse Fee" to zero her negative balance account on the day that they chose to close it.

The fact that she hadn't used it much the previous 6 months and the unauthorised O/D balance was directly caused by their charges seems to have escaped them totally!!!

...So why did they put down that she had previously misused her debit card???

 

My flexaccount doesn't appear with Experian, only my personal loan with Nationwide...But we have still sent off to check her report with them just in case, before I engage them on her behalf.

 

I have read on other threads that some people have made it a condition of full and final settlement for the removal of the Default Notice...and have only accepted the money refund as a partial settlement'

...Overwise it is a whole new and different ball game to try and get just the Default Notice removed.

 

Which can have be a sting in the tail for someone seeking credit a few years down the line!!!

[jackburton]

Got my "we're closing your account because we hate you now" letter on Saturday.

 

Nice....

[MilkTrayMan]

Afternoon JB,

 

Mucho commiserations...We all luv ya though!...lol

 

Did U find out about your Default Notice removal?

[jackburton]

Still waiting to here about the default removal...

 

However, account is still fully open and active. My wife went down and took out £50 cash (the refund of the court cost) on Friday without issue.

 

Generally in a default, the account is closed and usually passed over to debt companies.

 

However, I've read on here that in the banking code, they cannot issue a default if the amount being defaulted over is in dispute.

 

Which in our case it was. Maybe it was just an automated letter from Nationwide.

[MilkTrayMan]

Maybe JB, maybe!...

 

Could be worthwhile U double checking with your Branch as well as with Experian (...Free Trial online...sign up...then cancel within a month!...lol).

 

I thought that the standard procedure for banks closing accounts was to give U 30 days notice of closure?

Until the 30 days are up, your account would operate as normal.

Just be wary...

Hope U have already set up a parachute current account elsewhere and transferred DD and SO etc across to it???