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Jazoo vs. Nationwide.


jazoo
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Hi there,

 

I'm thinking about making a claim against Nationwide. I haven't had the need to do a S.A.R as I have had the account for under 6 years, but have calculated that they have overcharged me to the tune of £301 since 31 dec 2003. £340.32 if you put the 8% interest on top. :o

 

This doesn't stop me from being a little worried as I have my student loan going into this account and I've heard Nationwide have a habit of closing down accounts of successful claimants and I don't want to have to start moving things around if I can help it. I do have a NatWest student account which my part-time wage goes into, but prefer to have the two seperate as it helps stop me from spenting my rent! :rolleyes: Does anyone know of any good parachute accounts? I was looking at A&L but I think it'd be too much of a hassle to deal with their £500 minimum monthly payment.

 

One final thing, I also read in the FAQ that occasionally charge claimbacks can have a negative affect on your credit score? As a student I want to keep it as clean as possible, although I have that I might have already defaulted on an old orange contract, which I shouldn't have had to pay in the first place. Could that affect me opening another account as a parachute?

 

Anyway, I hope I haven't ask too many stupid questions, but any help would be apprieated. :D Thanks in advance.

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Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

All the best in your claim!! :wink:

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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