Tractorgirl V Nationwide

[Guest TractorGirl]

Sent a letter with£10 cheque on 17th Jan request SAR.

 

Received letter today stating cheque made to wrong name.

 

Can someone please advise whom I make the cheque payable too.

 

Thanks

[ADE&FAB]

When we sent off our SAR we made it out to Nationwide.

 

If you did this then they are playing games with you.

 

I am at the MCOL stage with this lot.

[Guest TractorGirl]

I sent a cheque made out to Nationwide BS

 

The letter states make it out to "Nationwide Corporate Account (Your name)

 

What does "your name " mean Do I write Nationwide Corporate Account (Miss Tractorgirl) or (acc no: 12345678)

 

Which is it ?

[quality]

I just made mine out to Nationwide Building Society.They then sent me last 6 years statements

Quality

[amarsden]

Hi,

When I submitted my S.A.R I wrote on the letter that I authorise them to take £10 pounds from my account for this transaction and they did this and i recieved my statements a couple of days later.

 

good luck!

aimee.

[dtollan]

hi,

 

I also made my cheque out to Nationwide Building Society,

 

They sent me all my statements no probs.

[smesin]

Nationwide Corporate Account (Miss Tractorgirl)

 

Correct..

[lilmiss]

I also made my cheque out to Nationwide Building Society, had had no problems x

[Guest TractorGirl]

Me again

 

Revised cheque sent on 26th Jan, cheque was debited from my account on 6th Feb,

 

I know they 40 days to reply but when does the countdown begin, the date of the letter or date cheque cleared from account ??

 

Am worried a little bit as others seem to have received there statements within a few days of sending letter.

 

I can print internet statements for the past 15 months but my account has been with the nationwide since Oct 04

 

What do I do after the 40 day period has lapsed ?

 

xx

[eggopp]

40 days from your dated letter... I sent postal order for 10 recieved my statements about 3 weeks later.. MCOL stage from last friday.. good luck tractorgirl:D

[jebbymot]

Hi Tractorgirl,

 

Here is the link to what I think you are asking for.

 

I used this one with the help of a buddy.

You could also get a friend to double check your figures afterwards.

 

http://www.cag-files.co.uk/barracad/Spreadsheets/England/Simple-charges-calc.xls

 

 

Hope you find it helpful!

[coz]

My cheque was made out to Nationwide BS and it was cashed with no problems so sounds like stalling tactics to me!

 

After reading the other postings on here I have started the 40 days from 2 days after posting the letter or date of receipt if you sent it by recorded delivery etc. I intend to send later copies with proof of posting just in case:)

[Guest TractorGirl]

Right I have calculated charges of £733, these are made up of Unauthorised overdraft charges, unpaid DD, cheque misuse, unpaid cheque charge.

 

The interest is £48 based on 8%

 

Do you include the standard interest charges or just the fees ?

 

Is the next stage the pre lim letter ?

 

xx

[jebbymot]

If you are claiming the statutory 8% interest on your total charges - you do not add this amount onto your schedule of charges at this stage before sending the Prelim Letter.

[Guest TractorGirl]

Hi

 

Yes I get that bit, what I mean is do you include the "interest charges" from the statements (mine are approx £8-£10 each month) in addition to the additional bank charges.

 

Or are these interst charges the norm and therefore un-claimable ?

 

Thanks

 

xx

[Richard P]

Hi TG, it depends, if the interest came about solely because the charges took you overdrawn then yes, if you were already overdrawn then essentially, no, you have to calculate what interest they have charged you solely on the unlawful charges!

 

Hope this makes sense. If you have a look at a few other threads (including mine "Hi all, first timer here!!!") it may be clearer!!!!!!!!!!

[Guest TractorGirl]

Hi yes that is clear Ta.

 

No the accrued interest was basically me going into my overdraft, so have decided to leave that element.

 

Letter was sent today by 1st class RECORDED with list of charges excluding the 8% interest for the moment.

 

Will keep this thread up-dated

 

xx

[Guest TractorGirl]

I sent the Pre Lim letter on 28th Feb requesting £733 back in charges. since then I have gone over my overdraft and 1 return DD can I add another £50 to the LBA letter on 17th March ??

xx

[Guest TractorGirl]

Hi

 

I am now drafting the LBA ready for sending on 16/17th March. I have a couple of questions I would like answering.

 

1.) Can I request my £10 back as they never sent any evidence of bank charges but cashed the cheque on 6th Feb........I found the evidence myself through internet banking ?

 

2.) Can I increase the schedule of charges to include £50 extra which is a another returned DD and unauthorised overdraft fee ?

 

THANKS AND AWAIT ADVICES

 

TG