Hi im new and will be claiming against nationwide

[lilmiss]

oh i wasnt funny with the chap, i simply smiled at him and said thats fine, even had a smirk as i knew that id do it another way lol i know they dont know much as i have a friend that works in another bank and she was shocked that you could get bank charges back!

well will keep u all informed x

[Guest xipetotec46]

I's a complete waste of a stamp asking Nationwide to refund your ( edit ) money, I spoke with them after they replied to my letter for my daughter in law with the standard letter you read earlier in this thread, they told me that they will not pay anything out, I asked will they pay if it got to court, their reply was that they would settle before it got that far I am claiming only £80 and they said that they will close the account when the claim is made, I asked them for the phone number of their CEO they refused to give it me, I asked them why are the biggest building society in the world being vindictive to their customers by closing their accounts because they are making a legitimate claim back, if you close my daughter in Laws account I said then I will empty my own account and my wifes account of all the money in them except £1 in case it goes PLC and the next voting time, we will vote for it becoming a bank, and I asked them to reconsider on the grounds that if every person who makes a claim have their account closed they will lose millions of customers and will cost them millions in admin costs. anyway I made an official complaint over the phone, so go straight to the small claims track it's a doddle and forget about interim letters, waste of time, if you are on benefits or low income it is free, entitlement to benefit letter should not be more than a month hold get a new one from the DWP. if you fill in the exempt from fees form, make sure you show you have 0.00 in your account and that the outgoings column are more than the incomings column. to date I have taken several companies 7 in fact to the Small claims not one went to court and they all paid up in full beforehand.

Barry

[lilmiss]

thank you for your reply, yes it makes me mad they are willing to close all the accounts down that go for this action, but sadly not enough people know bout this, infact at work they think im barmy and havent a leg to stand on so i cant wait to prove them wrong! ive already gone through the letters and would prefer to do it that way, as i know what im doing more and can have as much knowledge as poss b4 going to court which i dont mind as i know ill win!

[lilmiss]

ive just happened to check my account on line today, and guess what the cheeky swines have put on the account interest instead of a fee!!!! and another interest that would be the interest, so now they think they are being clever, will tough cookies thats going on the claim, and ill be the one sticking the 2 fingers up lol!!! just tell me thats ok to still get that back, even tho it says interest and not a fee???

right ive been thinking, as ive already sent my lba with the breakdown and the bit what has the percentage from the spreedsheets, and just asked for that back. but im wondering if i havent done the reading up so well as ive just read some other threads talking bout the 24% interest, can i go for that on top or instead of? i know that i will have to inform nationwide if the amount goes higher, which im sure it will, if went for the 24%. im going to read the thread about why isnt anybody claiming for contractual interest and see what i can understand of it, but if anyone has advice ill be deeply gratefull, as i know i have still more to read. thank you.

[Guest xipetotec46]

My advice to you is claim every single penny then put the compound interest on, or charge the same interest as they have charged you, they can't put charges down as interest anyway, it won't add up, any judge or invigilator will see that if it did go to court, which it won't because they pay up before going to court.

Barry

[lilmiss]

yes i was going to put that down as what they actually charged me, im sure ive read they had done this to someone else, put interest instead of a charge? thank u for your quick response, ive just read that someone changed the 8% to the 24% when it went to the money claim and sent nationwide a update too, so would i be correct in doing so too, or should i sit down and do the 24% now and inform them b4 it gets to the claim at court??? ill keep reading too and appriate any advice, thanks

[Guest xipetotec46]

Strike while the irons hot get any new info to Nationwide ASAP informing them of updated charges, interest and other stuff can be put on small claims form anyway, but it's best not to hit anyone with huge interest sums at the last minute.

Barry

[lilmiss]

think ill leave it as it is then as it sounds all complicated, dont want to give them any excuses!!!!

[MilkTrayMan]

Hi lilmiss!

Read #18 + #19 of the following thread...It may help U understand Claiming Contractual Interest better?:

http://www.consumeractiongroup.co.uk/forum/general/54212-do-i-have-accept.html

 

Hope this has helped?!

[lilmiss]

well i get so mixed up with numbers, and thats simple lol i know that u can either ask for 8% which i currently have, but it was the 24% i was intregied about as i know it would put the amount up higher, but i wasnt sure if it was wise to send them another letter updating with 24% and go for that opition when i had only currently asked for 8%. they havent got the lba yet as ive checked. i dont want to do anything to jepordise my claim.

[MilkTrayMan]

Hi lilmiss!

 

1/ Nationwide's Unauthorised O/D C.I. % Rate is 24.9% APR...NOT 24%

2/ It's your Claim...If U have read the posts that I have directed U to previously and U want to still Claim s69 S.I. as your Primary Claim rather than In the Alternative, then that's up to U.

No offence will be taken!

[lilmiss]

well 24.9% then lol, id love to take that action, but the lba has been sent b4 i had seen all the recent posts, and i get so confussed easily lol!!!!!! could i claim that when file for court or would i have to notify nationwide now????? we all know they wont pay up just yet anyway lol!!!!!! anyone else's experiences would be great and thank u mtm for all ur responese, look forward to the next!lol

[lilmiss]

hi all, right i havent heard a sausage from nationwide, not even a fob off! anyway before i get started on my money claim has anyone got any advice tips etc, will write again when i start it tomorrow, when i put in the claim.

[last1standing]

Lilmiss,

 

My advice is to stick to your timetable, not theirs. You go for the 24.8%. Submit you MCOL and send NW a new charges/interest spreadsheet showing what you are claiming back. Its your money and dont forget that. My g/f gillytilly got her money back from NW before it went to court (about 5 days after filing online).

 

You dont need luck, dont cave in - its your money

 

Go for it

 

Last1

[lilmiss]

thank you, oh im sticking by these time scales all right! lol yes i was thinking of going for the 24.9% or 8% if that wasnt accepted! ive got some free time so will go and look and fil out, mybe be back with some Qs but will check the Q&A first x

[lilmiss]

ok read some more threads and Q&A, just to check tho i can still use money claim as im asking for my money back only and interest. What address do i put as the defendents(nationwide) is it the charles bacon one that is in the contact thread? many thanks

[lori1]

hi lilmiss, i asked this question yesterday and i was informed that its the head office address (swindon) that you put as defendants address.

best of luck i am just about to file using mcol so i will be watching with interest xx

[lilmiss]

yes i found it shortly after putting it! lol

well im taking n1 form instead to my local court as im pretty sure i dont have to pay the court fee?

So ill be adding more detail in the next fee days, and will keep a look out for ur thread, best of luck, not that u need it!

[MilkTrayMan]

Making a Claim

 

County Court Fees

 

Court Fees - do you have to pay them?

 

Her Majesty's Courts Service

 

The above should help...lol...

[lilmiss]

yeah, id read most of that, id just missed the court open times the other day so ill be going tomorrow. will keep updating, and thank u mtm