New claim-starting Monday

[sunnyjools]

Hi everyone,

 

I have been reading this site for about a week now, having come across it by accident I am now totally hooked,and determined to get our money back.

 

With hubby being self employed I had 6 yrs of bank statements, the charges add up to 1300 all relating to charges being made for unpaid DD & Cheques,some all because cheques had not cleared by 1 day and insufficant funds of of a few pence or pounds,( 60p, 3.50 etc) ,I gave up asking the bank along time ago to refund the charges they just were not helpful at all.

 

But they are not going to beat me this time,having seen all the responses from you all and the support you all give to each other.

 

I never thought I would be doing this but I am sending the 1st letter on Monday ,recorded delivery, to Charles Bacon,I may need some help later on as I would not like it get to court,but I am prepared for it, I will keep you updated as what happens and what replies if any I get,wish me luck.

 

Thanks to everyone, Jools

[dave]

Good luck.

 

It's my belief that you won't need luck - just 'justice'.

 

You're doing the right thing - you've read around and understood what and how it all happens.

 

I doubt it will come to court, but if it does, have you joined the buddy system?

 

http://www.consumeractiongroup.co.uk/regbuddy.php

 

 

[sunnyjools]

Thanks for that, I have joined now just in case,

 

I have also opened another bank account and will transfer all dd etc as from next week, I should have done this yrs ago.

[sunnyjools]

Update: I have today received a reply from my prelim letter stating unable to refund charges,the 14 days is not up until Monday,I guess I can send LBA now.

It sounds like this is pretty standard.

[sunnyjools]

Hi all

 

Just have a question,and i am sorry if its been answered before but I cant find it.

 

I see that NW are now closing most of the accounts that are making a claim,this does not worry me,but are they also adding an adverse remark on your credit file,our is improving and I dont want to go backwards if I can help it,its taken us 6 yrs to get back on track.

 

Has anyone had there account closed that does not have a OD?

[callumsgran]

hi sunnyjools, i have sent my lba [7 days ago] & they havent threatened closure yet but have defaulted me! i have no official overdraft but am overdrawn solely because of their charges. i think i am right in saying they have to remove this when action is settled? some one will put me right on this i'm sure?

[sunnyjools]

It sounds like we are at the same stage ,I should get a reply from LBA letter this week.

 

We have never had an OD with nationwide, they would never give us one,most of our charges go back a few yrs ago,so it will be good to get our own back

 

It seems to have gone very quite from nationwide,maybe they have settled with conditions,we live in hope.

[callumsgran]

ditto, they wouldnt give me an overdraft either! my account goes back 5 yrs to when i split up fron ex. they have never given me an inch. i notice some people on here are getting refunds straight into their accounts after being told they werent getting anything back! fingers crossed it happens to us eh? regards Diane

[callumsgran]

hi jools, have you heard anything? i havent as yet but they have til next tuesday with me, fingers crossed xxx

[sunnyjools]

No nothing.been waiting patiently,postman been and gone, online banking nothing,oh the waiting!!!!!!!they still have until monday.

I have been following peterbeale with interest,he seems 1 step ahead.

I really want to be ready when I send my claim.I was going to send claim to Head Office but now see that it should be sent to my local branch,although all my other letters have been sent to Charles Bacon/Head Office.

Also as I had all my bank statements for 6 yrs I didn't send a DPA letter,will this make a difference if it goes to court,or should I do it now?

 

 

I am living and breathing this site at the moment,its totally taken over my life.

signed off at 12pm back on at 8am how sad is that,really must go and get some work done today before hubby sacks me. jools

[callumsgran]

hiya, i think its best if you get your Data Protection Act in case it goes to court. although i am not absolutely sure on that one! cant hurt can it? i know what you mean i am addicted to this site now! used to be ebay but i cant afford anymore off there lol! keep us posted

[callumsgran]

heard anything jools? i havent!

[sunnyjools]

No nothing today.although I have checked royal mail and they received my r/d letter on the Tuesday, so I will give them until tomorrow. jools

[callumsgran]

hey jools, anything? ive heard nothing, you done your online claim yet? i having a few probs with accessing spreadsheet so i have read around here and i think the 8% interest i'm owed something like £62.92 or is it (yippee if it is) £629.29? i had the first charge 5 yrs ago and i am claiming £1567.37 does this sound right to you? Diane:confused:

[sunnyjools]

Hi Diane

I am just doing the finishing touches to moneyclaim, having a problem fitting in all the details in the particulars of claim bit.have you managed to access the spreadsheet yet? my interest comes to almost 300,unless your charges are recent,I would have thought your interest was more than 62.92,if you can access the spreadsheet it is really easy.(I hope someone doesn't come back at me and say its wrong)

example:Amount Date Incurred Days since offence Interest 8% APR

£50.00 20/07/2000 2148 £23.63

£30.00 26/03/2006 73 £0.48

hope this helps

 

heard nothing again today so not expecting to now as soon as moneyclaim is ready I will send, this is the first chance i have had today to look at it again,could be a long night. jools

[sunnyjools]

sorry example not come out very well, let me know if you cant understand it.

[callumsgran]

hi jools, no still cant do it! its all gobbledygook to me, i know nothing at all about spreadsheets. i dont think i'll bother with the interest, its too much like hard work for me. i hate to think they are getting away with it though, makes me MAD!

[sunnyjools]

have you got excel,if you have you may just need to close then open again.

 

You can also do the on-line interest calculator,first go to the bank action page and you will find it there. cant go wrong with that.

 

are you ready to send your moneyclaim off yet? jools

[callumsgran]

nearly ready but just checked my co-op a/c and i'm a bit short this week! lol what am i saying i'm short every week!!! thanks for help, i at work so i'll see if i can access it from here. good luck with your claim btw. go get 'em girl

[callumsgran]

sorry i really dense 2day, i cant find it on bank action group either mate!

[callumsgran]

thanks so much karnevil, you're a star! done it!!!

[callumsgran]

hi jools, all sorted! the swines owe me 1805.96 of which 238.54 is interest!!!!! glad i found the online calculator. i didnt have to add it all up either, it did it for me

[sunnyjools]

Hi glad you got it sorted,thanks to karnivel,i'm not very good at directing to a page.

now you can go on to part 3. jools

[callumsgran]

yeah, when i get some dosh! i hate putting it on hold but have no choice at the mo! thanks for your help jools. have you finished your moneyclaim? diane

[sunnyjools]

Had a reply today from a Helen Savage (member relations manager) which had been fowarded from sarah watson saying she has only just received my letter (LBA) 14 days was up on tuesday now sat,saying they have 8 wks to reply,I am going ahead with moneyclaim on monday.Is this a standard letter.? I think so just checking.

jools