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    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
    • Hello all, just got this from my bank today.   ” Update on your payment refund As you know we temporarily refunded the amount(s) of £381.98 to your account pending investigation. We’re pleased to confirm that an additional amount of £359.99 has also been refunded to your account by the retailer on 18th March 2024. What will happen next To correct this situation, arrangements will be made on 6th June 2024 to reverse the original refund supplied from us.  Our file in respect of this matter will now be closed, which we trust is satisfactory.”   Not sure what to do as I was previously told if I hear nothing back after a certain date that would be the case closed now it’s been changed to the 6th of June. and as you see I’m not getting a full refund I don’t know wether to contact them again and try to get the £20, or if I even can at this point? Thanks again.   
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smesin v Nationwide


smesin
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I would not worry too much, it will all sort itself out, left hand does not know what right hand is doing syndrome. You should get your settlement.

If I have been helpful please click on my star and add a comment.

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I received exactly the same letter from nationwide but mine was dated 6th march 2007.

 

still no credits into my account though, which I find fanscinating because I can go online and transfer money from my nationwide account into another nationwide account instantly so why does it take them over 6 days.:-? :-?

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I have not received the letter, but my charges were refunded to my account yesterday, shown on my flexaccount online as " correction".

 

I also claimed for my court fee of £30 (MCOL) how does this get repaid ????

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I issued 26th February.

 

Received a letter this morning informing me that a correction had been applied and a refund of charges had been made, and that the MCOL fee would be refunded within 5 days.

 

Also told me that if I did not comply to the rules of my flex acount that they would issue 30 days warning of intention to close my account :p

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This OFT decision will mean nothing. They have to demonstrate that they are not overcharging. The only way they can do that is by divulging their costs which they won't do (cos it prolly doesn't even cost them £1).

 

The OFT cannot make a legal precedent. It can only provide it's opinion. Unless banks demonstrate what the real costs are, the claims will continue.....

 

Viva la Revolution !!

25/10/06 - S.A.R - (Subject Access Request) Posted vs Nationwide

31/10/06 - Confirmation S.A.R was Received.

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So i recieved a letter from nationwide today dated the 14th March. It said that they could not refund any charges as it would not be

 

'Treating customers fairly'

 

I find this funny as one of the FSA'a principles is around treating customers fairly. and the way that they refund charges after taking them to court certainly is not fair for all the others that give up on the 1st letter, or dont ask for them to be refunded.

 

 

So i phoned them, to enquire why i had rec'd this letter 3 weeks after filing a court claim against them.

 

They went on to say that they had 'No record of a claim' I then explained that they had as they had acknowledged on the 28th FEB so they must have.

 

They then went away and she came back to say she had found it.

 

She then explained that every time they get a customer take them to court, they acknowledge then the details basically take a while to be added onto a sprreadsheet by there administration dept. After that they become part of a 'refund' Queue. She then confirmed that the money would be in my mums account in the next few days.

 

So those who else are waiting, it wont be long!!!!

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Hi all & Smesin

 

Just got my ackowledgement sent today stating Nationwide (Mr Bacon) intend to defend in full I am presuming by reading other posts that this is another one of their letters before they submit their defence as "paid in full". Still they now have until 2nd April to submit defence so I better get up to speed on the AQ just in case.

 

 

from hannah8686

She then explained that every time they get a customer take them to court, they acknowledge then the details basically take a while to be added onto a sprreadsheet by there administration dept. After that they become part of a 'refund' Queue.

 

Well that is heart warming to know thanks hannah

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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I have just checked my Nationwide account and I have been paid in full as follows...

 

From my statement:

 

15 March Credit By Cash £50.00 (Court Fee)

 

16 March Correction £330.00 (Charges)

 

16 March Credit By Cash £65.61 (Interest)

 

Thanks for everyones input on this thread, you have all been a huge source of inspiration and motivation. Keep me updated with your progresses through this thread. Donation on its way...

 

Smesin

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Smesin

Well done.

When did you receve your Acknowledgement of services. Did you have to fill in a AQ form?

 

Sat 10th March (Post #70). I have not filled in an AQ form.

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I know there are a few loose ends to tie up now with the court, etc. But i don't have to be pro-active anymore cause i've got my money. So any comments about tying things up would be appriciated...

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Hi there, great informative thread!! Could someone please give me some advice? I have been through the process of claiming my charges back from nationwide, I am now at the court stage. I submitted a claim through mcol for £4K!!!, and received an Acknowledgement of Service today dated 14th March, stating that nw intend to defend the claim, and they now have 28 days from the date of service of the claim form to file a defence - does this mean 28 days from the 14th March? Plus what happens now do I just sit tight and wait?!!!

Thanks

 

This site is great and will definitely donate when I win!!!!!

POPPY07

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does this mean 28 days from the 14th March? Plus what happens now do I just sit tight and wait??

 

No, I beleive that the 28 days is from when the claim was 'deemed to have been served'... see your court papers... Not 100% on this though.

 

Just sit tight and keep checking your account.... All the best.

 

Smesin

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Hey smesin

 

Congratulations. When you are sure that you have everything you claimed give the court a ring or pop in there they will tell you what to do next. Apparently it is a simple process (said the lady in the court who happens to be claiming against her bank). I am right behind you and hope I will get mine soon. By the way how is the smoking going. once again congratulations

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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Hey smesin

 

Congratulations. When you are sure that you have everything you claimed give the court a ring or pop in there they will tell you what to do next. Apparently it is a simple process (said the lady in the court who happens to be claiming against her bank). I am right behind you and hope I will get mine soon. By the way how is the smoking going. once again congratulations

 

You will.. sit tight and keep us updated!! Smoking is going well- if you mean smoking as is having the occasional lapse hating myself, feeling crap, getting remotivated then lapsing again. Difficult at the moment.. but soldiering on!!!

 

All the best,

 

Smesin

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Ok... I just rang the lady @ my county court to confirm what the process was for tying things up and she advised me to put in writing that i wished to withdraw proceedings against Nationwide as I have received full settlement... Which I did.... thought this might come in useful.

 

 

21st March 2007

 

 

Dear Sir/Madam,

 

R.E. CLAIM NUMBER: XXXXXXXX

 

Since receiving notice of an acknowledgement of service from Nationwide Building Society stating that they intended to defend the claim, I have received full settlement from them.

 

I therefore wish to withdraw any further proceedings regarding this claim.

 

 

Yours faithfully,

 

 

Smesin

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  • 1 month later...

I claimed all interest fees back on behalf od my Daughter (£880). I had them refunded along with all of my charges exactly one week before I was due to appear in court. Ironically during the process I was charged £30 for a bounced cheque. I am starting court proceedings tomorrow (Monday 22nd April) inspired by my daughters result. I called Nationwides head office and tried to get through to them the futility of refusing my request to credit the money back into my account. If everything goes the same way as my last claim it is going to end up with them paying around £80 back into my account with court costs. I was told the policy basically is to do things the hard way. The point I am trying to make is that you will have to see it through to the end. The banks are hoping that you will cave in before it gets as far as a court case. Go for it. No matter how little the amount. Its not just about the money.

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