Mahharg V Nationwide **WON**

[mahharg]

Hi all

I am almost set to start my claim against Nationwide. I have read success threads and all the time the money/refund has been put into their account without notice. My account has been closed (defaulted-charges alone did not default me) since 2004, it was sold to Moorcroft which is being paid of via CCCS free debt help interest free. Will they send a cheque to me when they pay me?.

[mahharg]

Hi all

 

Please someone help me get the ball rolling. I am about to get the ball rolling on my claim just a couple of questions. Any help and I will be very grateful.

 

I have read all trough the FAQ sections learning a lot but not quite ready.

 

1) I will not be claiming contaractual interest - we are talking about 10 days worth (claiming £445). Should I still submit my spreadsheet of charges without interest added in my prelim' letter to Nationwide and at every stage or shall I wait?. I know I don't add on the 8% unless I get to MCOL stage.

 

2) If I take my letter to my local branch would I still put the head office address on the letter and do I hand it for branch attention or ask them to forward for me to head office?

 

Please someone clarify these points for me or point me in the right direction. I want my money back before my baby is born in early May.

[Bigmac versus]

Hi mahharg if you arent claiming contractual interest then you dont mention interest in your prelim or your lba as you have rightly said however you must send your schedule of charges with both, personally i sent my mail recorded delivery and to head office so i knew it would get there, your local may lose it, and at the very least it will take a little longer to get any replies from them, hope this helps, good luck with your claim.

[mahharg]

Thank you George all questions answered ready to go think I will start new thread when I start my claim I think thats what mods like. (mahharg V nationwide).

[Bigmac versus]

Yes and if you have any questions along the way it helps others answer when they can read up what you have already done.

[mahharg]

I will keep my new thread updated what I send/receive/do. Reading other member's threads really help they inform others what to do where not to go wrong and what to expect. It is also a great inspiration for others in doubt like myself at first.

[dollypops]

Some of the banks have been known to pay the money into a closed account but if they do this, just send them a leter stating that as the account is closed and you have no access to it that you consider them to have still not paid and you are requesting payment to be made via cheque.

 

Someone more knowledgeable will be along soon, if i am incorrect on any of the above

[mahharg]

Thanks Dolly I hope they dont because I won't even know it is there. I will just have to inform nationwide of my situation in every letter I sent.

 

eg

As this account is now closed. Please contact me to arrange alternative payment arrangements.

 

Surely they won't be able to make any mistakes with this little comment could they?

[Bigmac versus]

make it part of your acceptance that it must be in cheque

[mahharg]

Will do george. But when I receive the cheque If I have submitted my MCOL will I inform court that they have settled when I have cheque or when it clears?.

[Bigmac versus]

they will honour cheque, never heard any different

[mahharg]

ok thank george it's great to know people like you are out there to confirm peoples doubts. I hope I will be able to help others if and when I can.

[moose73]

I have a similar arangement in place with MBNA CC where this had been sold off, but they sent the payment direct to debit recovery company who the debt had been sold on to. ( I also have a interest free payment agreement with them)

[mahharg]

I wouldn't have thought they can do that. I would have thought that once they sold the debt then it has nothimg to do with them.

[mahharg]

I submitted my prelim today (23/1/07) letter claiming £445 to my local Nationwide who will forward it onto head office. they issued me with a receipt so I have proof that the letter is in nationwide's hands. There was a lady in the branch who overheard me. She said her sister was owed over £600 and didn't know what to do so I pointed in the direction of CAG.

Does the 14 days start today ie LBA to be sent 6th Feb or shall I give it a day or two to reach head office.

[Roen]

Send the LBA 5th Feb - would they give you a couple of days grace? Also since this is Nationwide and they either ignore you or send you fob off letters it's not worth waiting.

[mahharg]

I know what your saying Roen you're right about not giving them 1 extra day but the 5th Feb would mean counting the 23rd as 1 day. I didn't submit till the afternoon so I will then give them until 26th just so they have no excuses about me not giving them the FULL 14 days should they submit a defense. Mind you from what threads I have read about Nationwide after claim submitted they then state they will defend then suddenly pay up. I have read other threads - (Natwest + LloydsTSB) and feel quite relieved that I am not dealing with them.

[mahharg]

hi all please help if you can.

A couple of questions that is bugging me albeit premature but I know it will get to this stage. I have spent days if not weeks looking around the site but could not find clear answer to following.

 

1) I find filling in a N1 form just as easy for me than the MCOL and the court is close by, are there any Pros/cons by doing it the N1 route as opposed MCOL (does MCOL accept electron)?.

 

2) If I use MCOL instead of N1 form would I have to send anything to bank?. I have read other threads that people have sent schedule again. By this stage I will have already sent it twice with prelim & LBA (without the 8% added). I am aware that I have to include 8% when I claim but do I really have to send schedule to bank again and with the 8% again if I do should I send anything else at MCOL stage?.

 

I am not claiming contractual interest as we are talking about £10 max.

[mahharg]

bump

 

never used this

bump

before but hope it is the correct way just that I am hoping for answer to post 4.

[mahharg]

Received my Fob off letter today. Interesting that it states

It may be appropriate for you to consider alternative banking arrangements.

This account was defaulted/closed in 2004 so I am guessing it is a templated reply:lol:.

 

Anyway hope some one can advise me. I took the prelim letter to my local branch. I was given a receipt and the letter was forwarded to head office. I addressed the letter to:

Nationwide Building Society

Head Office

Nationwide House

Pipers Way

Swindon

Wiltshire

SN38 1NW

It obviously got there with no problems hence the reply.

 

However the reply has another address on it:

Nationwide Building Society

Member Accounting Servicing

1st Floor Electra House

Farnsby Street

Swindon

SN2 1SR

 

Is it ok to send my LBA on 6th Feb via local branch and if it is shall I stick to the head office address (reached it's destination this way), or ammend it to show Electra House. Any advice will be appreciated.

 

Also any comments on post #4.

[mahharg]

Hello all

When I work out my 8% daily interest it works out at (445 x 0.0022=0.0979). Would it be ok to claim a daily rate of 10p or would I have to put 9p?. Also if anyone can answer my qestions from posts 4 & 5 it will be appreciated. Just wondering if I am doing anything wrong because some people seem to get loads of responses to their questions and some including myself seem to get left untouched or is it just luck of the draw.

[MilkTrayMan]

Hello Mahharg!

...if anyone can answer my qestions from posts 4 & 5 it will be appreciated. Just wondering if I am doing anything wrong because some people seem to get loads of responses to their questions and some including myself seem to get left untouched or is it just luck of the draw.

lol @ U

Don't take it too personally about the lack of replies to your posts!

It all depends who is online...

Whether or not they know the answer to any questions U ask.

...What stage of any Claim they have.

What they are doing online themselves (...i.e. Researching for themselves, just like U, yourself, have done!).

...and whether they have time to answer U. (...In my case, cos I type very slow, it has taken me 20mins just to type this far!!!)

 

U have done very well to have got this far and seem pretty clued up with the whole Re-claiming process.

Some people need more help than others.

MOST of the answers are out there...it's just a case looking!

People tend to panic and want to rush things.

....That's when they cause problems for themselves, by NOT spending their time doing the donkey work and following other's threads who have gone before them.

 

It is supposed to be a Self-Help Forum.

I would advise anyone who is wanting to Re-claim, to spend at least a couple of weeks reading and re-reading threads to get a gist of the whole process from START to FINISH before they even think of starting their Claim.

It is time well spent.

Has no-one ever heard of the "Tortoise + Hare"???

People always want to take short cuts and that's when the problems begin!

...e.g If it's recommended to write a PL then 14 days later send a LBA, then 14 days after that File your Claim @ Court.

...Why do some want to jump straight in @ the deep end without 1st looking where they're leaping???

 

[/font]

#4...

1/ MCOL is slightly cheaper than N1 (...U will be able to Claim your money back either way when U win, but for some on a tight budget the initial cost is critical)

County Court Fees

 

Some people find MCOL more convenient for them if they are confident with the Form filling requirements.

Others prefer the N1 route cos if they are unsure about something, they can ask the Clerk @ the County Court Office and get an immediate response.

Please note though that the Clerk can NOT tell U what to actually put on your Claim Forms...but can tell U where to put your info and give U an indication of the process.

Check out the MCOL website with a "dummy" run and see if it gives U Visa Electron payment options.

Her Majesty's Courts Service

2/If U have read that others have sent the Bank another updated schedule when they have Filed their Claim @ Court, is it not prudent to also do so?

...Would it cause U so much inconvenience?

Does the requirements of the Claim Form not give U guidance on this subject?

Please read the Particulars of Claim section:

Making a Claim

 

 

#5...

Bumpety-bump-bump!...

#7

Just submit an updated spreadsheet...the spreadsheet should work the maths out for U.

Failing that, follow the guidelines as per the link below.

How to make a claim

 

 

Hope all the above helps?!...we wouldn't want U to feel neglected would we?...lol...

[mahharg]

Thanks MTM I can stop throwing my toys out of the pram now. It must be my patience what with being off cigs for 3 weeks (gagging for 1 now).

 

BTW happy birthday 2u recently (see I have been reading other post). mine on 12th hope I get more cards than you .

 

replies to Post 5 was meant 2 b replies to post 6 but I will just go the same route as my prelim if it got there then no probs that way I suppose.

 

 

Check out the MCOL website with a "dummy" run and see if it gives U Visa Electron payment options.

Her Majesty's Courts Service

gonna do that. If I fill it out properly I can save it for upto 28 days so 14 days after I sent LBA if Nationwide don't settle:roll: I just click on submit claim done then.

 

Just submit an updated spreadsheet...the spreadsheet should work the maths out for U.

Failing that, follow the guidelines as per the link below.

How to make a claim

I done all that and it gave me a total it is just that when I fill in the calim form I will be quoting daily rate of interest of .0979p I just wanted to be assured that it is ok to round it up to 10p or would I have to round it down to 9p.

[mahharg]

I have submitted LBA yesterday (6th Feb). I handed it in to local branch who gave me a receipt and stamped copies of my LBA. The branch will forward it to head office. My prelim letter was submitted the same way

Successfully so have no worries about doing it this way. Anyway response will be the same fob off.

Check out the MCOL website with a "dummy" run and see if it gives U Visa Electron payment options.

Her Majesty's Courts Service

 

I tried this and got as far as payment and it doesn't accept Visa Electron. It accepts Visa Delta, Solo and Switch debit cards along with credit cards.

 

I am worried though because I clicked on "submit" although I didn't pay anything I won't have my claim issued then be billed will I.?

[mahharg]

Hi all

 

Pleease help !!!

 

 

Now I can't use My Electron on MCOL I have to use the N1 form route. The problem is The "particulars of claim" template does not fit in the form. How do I address this?

 

If I print it all on a seperate sheet of paper do I enter anything on the actual form?. I am assuming that I cross out "to follow" and leave "attached"

 

Would I put anything at the top of the seperate sheet of paper with the "particulars of claim" on?.

 

If someone could point me in the right direction pleeease.