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    • I recently had the misfortune to return a faulty item to curry's.  Day one lets call it i returned the item to the store and asked for a refund and was refused due to not having a receipt, I escalated the issue to the duty manager who also refused the refund who insisted I needed a receipt and the documentation I had withy me was not acceptable.  I asked him if he wished to check his position as I believed he was in breach of my consumer rights. he refused, So I left to check up on my rights to return the item. After checking I was indeed correct I returned to the store the next day and again asked for a refund and again refund refused by the same manager as before. At which point i asked him if he would confirm in writing why he was refusing to issue the refund again he refused. at which point he said "I could get the police to have you removed" to which I replied that he was in his rights to do so. Police arrived and asked what the issue was I explained that store would not refund a fault item  and was informed that it was not a police issue so they could not help me, but that they would like me to leave the store to prevent a breach of the peace. I responded that If I had been asked to leave the store I would of done so, but as I was never asked to leave I had remained trying to get my refund. As I was exiting the store the manager informed me that I was not welcome in any curry's/pc world stores again and would have to take my issue up with head office.   I have received my refund and had acknowledgement from the curry's ceo team that the documentation I supplied on 2 occasions was all that was required for a refund. They have offered compensation for my time which I have refused as i believe that there is a larger issue here than money.   This below maybe wrong ..hence me asking here. If I was a member of one of the protected groups as defined by the equality's act the burden of proof for discrimination cases falls on the shop owner to prove I was not refused service because I fall into one o0f those category's .(  I am in one of those categories , but its irrelevant ) But if I did not fall into one of those categories the store manager or any employee can refuse access to the store or stores because lets say I was wearing a pink tie on that day and he was offended by the colour Pink and there is no legal or civil recourse. I understand a shop is private property and they can refuse access, but I cannot believe within within English law there is zero recourse for an individual who feels like they have been discriminated against unless you fall into protected category under the equality's act as that seems to fly in the face of the whole purpose of the act was was to provide equality for all. Sorry for the long post.   Could someone point me to where I can find more information on the rights to access a shop and there rights on refusal as it seems to me a change in law may be required. As being refused access to a store because the manager cant do his job seems a little extreme to me. Is it possible to take civil action against the employee of the store or must it be through the company. Thanks in advance for any replies.  
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Chunky1977 vs Nationwide **WON**


chunky1977
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Bounce!!!!

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Bumpity-Bump!

(...to catch-up...cos U missed out Saturday's!...lol...:D )

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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...it appears that my internet banking have been taken off me. Can anyone explain why this may have happened.
Take a look at the following Thread, especially from #44...

http://www.consumeractiongroup.co.uk/forum/nationwide/81154-here-we-go-3.html

...The links in #45 provide further examples of this happening to others too!!!

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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Bumpity-Bump!

 

(...to catch-up...cos U missed out Saturday's!...lol...:D )

 

Thanks MTM:D :D :D

 

Looks like I'll be popping into my local branch for the next couple of weeks then.

 

They'll soon get upset with me and pay back what's rightfully mine

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Hi Shaz,

 

Not yet, I'll be popping in to my local branch this week to find out whats been going on.

Probably their way of getting back at me for taking them to court............

 

To be fair as soon as I started this I trnasferred everything to my parachute account so it may have something to do with that.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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hiya chunky,

 

thanks for that....i have my parachute account but was kind of hoping to keep the NW one as i've had it for over 20 years..I've also had an acknowledgement on the day they were served! on the 21st i think.

 

I really rely on my internet banking and will be so p****d off if they do stop it! who is it we can complain to? is the OFT or the banking ombudsman? i get a bit confused with all the different organisations!

 

Actually i think we are about the same stage iwth MCOL..if i remember correctly!

 

 

shaz

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hiya chunky,

 

thanks for that....i have my parachute account but was kind of hoping to keep the NW one as i've had it for over 20 years..I've also had an acknowledgement on the day they were served! on the 21st i think.

 

I really rely on my internet banking and will be so p****d off if they do stop it! who is it we can complain to? is the OFT or the banking ombudsman? i get a bit confused with all the different organisations!

 

Actually i think we are about the same stage iwth MCOL..if i remember correctly!

 

 

shaz

 

 

In your letters to them mention that you do not want them to close your account and if they do you will formally complain to the FINANCIAL OMB

 

they stoped closing accounts apparently

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In your letters to them mention that you do not want them to close your account and if they do you will formally complain to the FINANCIAL OMB

 

they stoped closing accounts apparently

 

thankyou very much for that, do you know where i can find address please

 

 

shaz

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Nationwide posted a defence via Eversheds solicitors with hours to go on the 28 day deadline. Don't hold your breath on a quick response.

Good luck though, i am awaiting allocation papers.

Andrew

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When was your deadline k*pstar (sorry being a UTD fan can't realy write your full user name......lol)

 

Have you checked your bank account. A few defences recently have resulted in payout quite soon after. It seems their defence is Paid In Full

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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A real United fan, wow.

The deadline was 30th May, up to 2.30pm that afternoon it was still not acknowledged, thought i was in for an easy ride!

Not heard anything else yet, waiting for the court papers i suppose.

Looking forward to the local derbies again.

Andrew

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  • 2 weeks later...

Hi All,

 

Well countdown is progressing. NW dealine is on Sun 17th (so will give them till Mon 18th). When do you think I should send my little reminder e-mail to Eversheds. Was thinking of sending it today letting know they have a few days left.

 

Also has anyone got a template of sorts that they have used in an e-mail

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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I don't believe it. As my Internet banking is no longer working I thought I would set up telephone banking so I can check to see if my balance changes over the next few days......................

 

Well it looks like Nationwide have closed my account as my account number is now coming up invalid. My god am I angry. :mad: I've had no notification of this at all.:mad:

 

Anyone know what my next step should be.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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My admittedly [limited knowledge of this matter but what I have read on this board] is ring, declare account is in dispute, do it in writing and send signed delivery, tell company [not sure which Building society or Bank ur with] you are complaining to Ombudsman - a building Society was fined 10K for doing this as a example to the others to stop the practice.

 

Do a search & other stuff & contacts here should come up.

 

Laters

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Hi all. I have just read through this thread and I am even more disgusted with what I learn about NW. I think there is definately a case for going to the Financial Ombudsman Service here. However there is no point in doing this yet. The FOS will not get involved while a case is going through the courts. Hang tight and I am sure your claim will be settled in the courts but then when you have your money back complain to the FOS with regard for the way NW have treated you and the difficulties that you have been caused by their actions. Decide how you would like to be recompensed by NW in compensation and let the FOS work with you to fight for this. NW deserve to be fined for what they have done to you.

GOOD LUCK

Trickyt;)

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Thanks TrickyT,

 

Hopefully I'll have a nice cheque waiting for me at some point this week, and can start the process off sooner. Could not believe what they have done when I looked this morning. Problem is I can't get to the bank till Sat morning to vent my frustartions at them.

 

I'll just have to hold tight and see what happens.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Hey I know how you feel Chunky but DON'T GET MAD, GET EVEN!! I started my own thread this morning so you can check on any progress I am making as it happens. I rang the FOS this morning and my complaint has been received and they expect it to be actioned in 7-10 days if not before. NW usually then get in touch very quickly and change their tune miraculously for some reason.:rolleyes:

GOOD LUCK

Trickyt:)

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Hi All,

 

Well countdown is progressing. NW dealine is on Sun 17th (so will give them till Mon 18th). When do you think I should send my little reminder e-mail to Eversheds. Was thinking of sending it today letting know they have a few days left.

 

Also has anyone got a template of sorts that they have used in an e-mail

 

 

Has anyone got a template I can use or a draft e-mail they have sent. Time up on Sun so would like to send a little reminder today.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Well, I've just sent Eversheds my nice little reminder e-mail. Awaiting reply now. Lets hope there reply is paid in full and I'll have a nice cheque waiting for me when I get home.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Got my reply back from Eversheds. It appears NW filed defence yesterday. have checked MCOL and it is now showing as defence filed....:-| nothing more can be done, awaiting transfer to court

 

Could it be the defence is paid in full and there is a cheques waiting for me. Do they usually file 3 days before deadline. I thought they normally waited until about 1 min before.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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...Do they usually file 3 days before deadline. I thought they normally waited until about 1 min before.
Or even 3 days + 1 min AFTER the deadline!

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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Woohoo,

 

Got home from work on Friday and there was a letter waiting for me from Nationwide,

 

Dear Mr Chunky1977,

 

In respect of your charges blah blah blah, we have now full refunded all charges £6,400 + Interest of £500 (which I never claimed for as I forgot to include in my MCOL), and £250 court costs.

 

Absolutely fantastic, going on hols in 2 weeks so don't even have to wrry about spending money now.

 

What a great weekend I've had.

 

Thanks to all at CAG for your advice. I shall still be on here as I'm taking on Lloyds and will now be sorting out my parents accounts for them.

 

Will make a donation as soon as poss.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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it does my head in!

 

Why, if they are just going to pay up anyawy, do they insist on filing a defence? They filed defence on my first claim on day 29 - as i passed judgement - then paid up about 5 days later.

 

Wel done Chunky - have a great holiday!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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