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    • Credit search will be for address varification in case you'd moved since the date of the speculative invoice I expect.  If you use our enhanced Google search box for.  Pcm Claimform, there are over 1000 threads that outline things.  Next for you will be ack from the court your defence has been registered OK.  To be frank.. If you'd been doing that from when advised a month ago, this would not have happened.  You've had a very very lucky escape here.... Now prepare and not allow another to happen.  We don't have the time to nurse maid those that don't self help.   Dx  
    • Thanks @FTMDavefor the quick and clear instructions.  All filed and submitted.  What should I be preparing next? If you’ve seen lots of cases with this lot what is likely their next move?   In the meantime they have been sending me letters offering me to pay them without going to court etc. i’ve also received a notification on my credit report about searches and can see that they’ve done a “soft search” on my file.   Are they allowed to do that? Why would they be doing that?
    • Just be aware that foliage covering signs is not persuasive if you reside in the area and regularly used the said route concerned.  One gentleman of recent, famous for disputing parking and speeding issues, just cost his client £1000's claiming that!!    Dx  
    • Thanks for your reply.  I will DM you this evening with more info, when I've got it all to hand.  
    • No, it clarifies nothing. As you say, there is a contradiction in that this company's employees have received invoices yet it is assumed they called the parking company in. I would suspect - and it is only a suspicion - that someone else called in the parking company to "manage" the whole estate. While you are dealing with this verbally anyone can come out with any old baloney and you'll have no proof of it.  You need a paper trail.  So e-mail the company, pointing out the reasons for your meeting with them and that you were not abusing the car park, and request they get the ticket cancelled.  That way they will have to reply in writing and you can get to the bottom of this matter.
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sinking_fast V nationwide


sinking_fast
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Am claiming a refund of £942.06 for charges, am also claiming againist BOS, littlewoods and studio cards (see under relevant topics for progess of others) haev got all my statements so jumped straight to the pre letter, sending them all tomorrow, will keep everyone updated cheers :)

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Hi sinking fast!

Hope that U have considered re-claiming Contractual Interest (...24.9% with Nationwide) as well???

Just feed your personal unlawful Bank Charges and their associated interest charges, into the following user-friendly spreadsheet (...courtesy of Mindzai), which can be downloaded and a copy of its printout sent with your PL...

http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html

 

Hopes this helps?!

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luv your i.d, thanks for the advice, have filled in a spreadsheet with details of all the charges, dates and amounts, but was under the impression that i don't add the interest on till it goes to court?

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Hi sinking fast!

If U are wanting to NOT Claim Contractual Interest (...@ 24% APR with Nationwide), U can Claim s69 Statutory Interest @ 8% instead,

but only at the Filing @ Court stage...

It is advisable to Claim Contractual Interest from the onset!

U can Claim either type of Interest...but NOT both!!!

Check out the following link and in particular the reasoning and links contained within #19:

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

 

Hope this further helps?!

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some-one in another topic explained this to me, so i totally understand now, just gonna claim the 8% when it goes to court though, as even though nationwide charged me £942.06 in charges a few years back they wiped off over £200.00 worth of charges off my account, without me even asking, and most of the time are pretty fair to me, i no you're probably thinking fair???? but they've charged you £942.06 in charges but i'm happy with the 8% interest.

Anyway will keep you's updated, 14 days i give them from sent the letter tomorrow thats right isn't it?

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Hi again sinking fast!

There is nothing whatsoever wrong in proceeding with YOUR Claim for YOUR money as U intend.

Something to bear in mind though, based on other Claimants threads...

The Nationwide will continually say that U R wrong to think that U can lawfully Claim YOUR money back from them, that they had unlawfully taken from U.

The Nationwide will force U to file YOUR Claim @ Court before they will part with ANY of YOUR money.

The Nationwide will pay U short of the amount that U Claim and will expect U to accept this as a FULL and FINAL SETTLEMENT and will tell the Court this.

The Nationwide will give U notice that as U won't agree to abide by their T & C's, that they use to justify their unlawful Charges, then they will close YOUR account (...which is, incidently, contary to the Banking Code of Conduct, I believe?!).

The Nationwide will continue to debit YOUR account with the unlawful monthly Unauthorised O/D Fee throughout YOUR Claim, despite them knowing that they will have to give it U back once it gets to Court!

The Nationwide will continue to charge U the Daily Compounded Unauthorised O/D Contractual Interest % Rate (...@ 24.9%APR) on YOUR O/D balance whilst U remain O/D.

At the same time as slowing YOUR Claim up, the Nationwide may accelerate, through their own In House DCA, their attempt to recover what they say that U OWE them.

This may mean that they will issue U with a DEFAULT NOTICE which will stay on YOUR Credit Report with the CRA's for the next SIX YEARS!!

 

STILL think that...

"...most of the time are pretty fair to me...i'm happy with the 8% interest"

will be the words U choose to say about them in a few months time???...lol...:);)

 

Best of Luck!

 

Hope the above doesn't worry U too much?!

P.S. Yes...14 days is an appropriate timescale to give for a reply to your PL

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cheers i'm pooping myself now, oh 1 little thing hope it doesn't make a difference but the account was closed last year, but i can still claim can't i? can they still put a default on my credit report even with the account being closed? sorry about the the questions but MTman you seem to know what your talking about :)

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Hi sinking fast!

 

cheers i'm pooping myself now,

Hope it's not too many exotic Mars Bars?...lol

the account was closed last year, but i can still claim can't i?

Yes of course U can still Claim!

can they still put a default on my credit report even with the account being closed?

Was the account closed with a negative balance?

Have U checked with the CRA's that there hasn't been a DEFAULT NOTICE put on YOUR Credit Report already?

sorry about the the questions but MTman you seem to know what your talking about

Please don't just take my word as being gospel...Check things out for yourself...It's YOUR money and YOUR Claim! :)

 

Hope this helps?!

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  • 2 weeks later...

hi all, quick update had the usually kiss my a*se your getting nothing from us, it was quite a patranising letter now i've read it again, also receiving my BOS letter (which was a basic your not getting money from us letter) but it wasn't like the nationwide one!!! anyway there 14 days to reply is this monday, so do i just send there LBA letter now or wait till monday??

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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oh and do i send it to the same address i sent the first one too (i used the address from the site), or do i send it to the address on the letter i received today??

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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  • 2 weeks later...

right this thursday is the 14 days from sending the LBA letter, but because it is over £750 i have to raise a summery court action, has anyone done this?? are the forms easy to fill in, I have found on here forms for small claims that i can download for taking the BOS to court with a step by step to fill in guide, is there 1 for the summery court action forms does any1 know?

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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any1 help me with the question in my post above pleaseeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee :)

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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I must confess that i am not sure what you mean by

summery court action

 

 

If your claim is below £5000 you can claim through the small claims court

using MCOL http://http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

or fill in the N1 claim form which you hand into your local court http://http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Although even if your claim was above £5000 you can still request for small claims court.

Knowledge is Power

Go get em!

Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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sorry i'm in scotland, so what forms do i use? the claim is for over £750 (small claims court) so its a summery court action (its called something like this) has any1 got a link to the form i would use please, cause i really want to get everything ready as i have 6 claims in totally and i have till thursday :?

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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sorry i'm in scotland, so what forms do i use? the claim is for over £750 (small claims court) so its a summery court action (its called something like this) has any1 got a link to the form i would use please, cause i really want to get everything ready as i have 6 claims in totally and i have till thursday :confused:

 

I am sorry I didn't notice you were in Scotland I think It is a different process. Hope someone replies with the help you require. Good Luck.

Knowledge is Power

Go get em!

Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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HHHHHHHHHEEEEEEEEEEEEEEELLLLLLLLLLLLLLPPPPPPPPPPPPPPPPP

 

please someone :?

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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hi sinking i am just spotted your shout for help , i am in scotland too but i have an english address i can use so i will do it that way i cant find what you are looking for but what about going into the chatroom and asking, there is always people who know what they r talking about in there, i hope this helps x

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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cheers lori was hoping milktrayman might be going about and maybe point me in the right direction hint hint ;)

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Hi found this under guidance notes. hope it helps you.

 

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

Knowledge is Power

Go get em!

Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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cheers mahharg, think i have it sorted now, just downloaded the summery form from my local court web site, and filled it in the same as the small claims form, so fingers crossed will see what happens now :?

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Hi sinking fast!

...was hoping milktrayman might be going about and maybe point me in the right direction hint hint ;)

Sorry about leaving U High 'n' Dry like that...was busy concerntrating on reaching my birthday yesterday!

Apparently Nationwide (...based in Swindon) must have an International Division?!...so much for a few Italians building a wall many moons ago!!!...rofl...:lol:

Here's a link to a thread which may encourage U to form a Clan...lol...:p :

http://www.consumeractiongroup.co.uk/forum/nationwide/43073-dtollan-nationwide.html

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hope u had a good b/d MTM, after reading your link, i'm worried now as i didn't know that if you lost (summary cause) you have to pay :?

 

have got all the court paperwork ready though but don't get money till monday so can't file them till then!!

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Hello sinking fast!

hope u had a good b/d MTM, Didn't get one card...even though I'd posted myself one! after reading your link, i'm worried now as i didn't know that if you lost (summary cause) you have to pay :? Confident U'll lose are U?!...lol

 

have got all the court paperwork ready though but don't get money till monday so can't file them till then!! Just think of all that lovely extra interest U'll earn by NOT Claiming for a few days!...lol

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  • 5 months later...

**********************HELP**************************

not been on in ages as been waiting for 3 months for a court date, have now got it in and its tuesday!!!!!!!!!!!!!!!!!!!! really worried about it, I haven't got a clue what i've got to say or take with me, please please please can someone help, its at a sheriff's court as i'm in scotland and its a summary claim as its over £750.

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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