Jump to content


  • Tweets

  • Posts

    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
    • India has thousands of small gold refineries which are facing more competition from big players.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Nationwide and charges


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6297 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi well im a newbe here and would like some help really.I have been with the nationwide bank for 6 years and yes like you others have many bank charges manly from direct debits,can i still claim these charges bck ? Also where in tis website can i find the letters to copy to send to my bank ? And also how long does this procudure take to try and get your money bck.Many Thanks Livelyred:lol:

Link to post
Share on other sites

yes, bank templates library, each bank is different. Welcome to the CAG and your first point of reference is the FAQ's, once you have done that then have a look at the successes bit of the forum and then when you are confident then start a thread in the Nationwide forum and you will get all the help that you will need. Good Luck

Link to post
Share on other sites

Hi Livelyred.

 

First, forget about the letter templates, you're not ready for them yet.

 

Your first task is to spend some time, a week perhaps, reading the FAQs and the step by step guide which you will find in the library section. That will answer most of your initial questions. Don't try to run until you have learned to walk. There is an absolute shed-load of information on this site. The letters are designed to be used with our well-tried and tested procedures. Never try to test the depth of the water with BOTH feet, because it's deeper than you think. If you follow, faithfully the procedures we suggest, you WILL get your charges back.

Realise, that you are about to sue, in a court of law, a major financial institution with unlimited finances and a room full of corporate lawyers at their disposal. Make a mistake and they'll have you for breakfast.

 

You can claim charges back for up to six years. A few more weeks won't hurt you.

 

You can send the Data Protection Act SARs letter along with the £10 fee to get your account details, then use the time while you are waiting for them to do your reading.

 

Click on this link for the DPA SARs letter....

 

When you receive them, transfer all the penalty charges on to a spreadsheet (templates library) Then send a copy with the preliminary letter.

It can take weeks or months, depending mainly on the bank.

Start your own thread in the Nationwide Bank Forum and post any questions and progress reports there. then we can tailor any advice to be relevant to your claim.

Please don't jeopardise your claim through impatience.

 

Good luck with your claim.

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Hi Rooster

This is the first thread that I have read after joining the site yesterday. Thank you for clear advice. I am trying to help my son claim his charges, which I think will be quite a sum.

 

As he has a savings and a credit card account, should he complete each claim in turn or send the paperwork together for the two accounts.

 

This site has really inspired me and I am certain that with your help we can be successful.

 

Chrisrdg:)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...