rightfullymine v Nationwide

[rightfullymine]

hi jenfreya

yes have done that opened a step account with nat west was easy to open too!!!

cheers for that

[eggopp]

Well done, your one step closer now, o matter how small or large the amount cliaming they should give us it all back without a fight... haha and then the egg wakes to find a crack in his shell... Ive filed MCOL with Nationwide now and just waiting.. not long now and you will be getting your money back..

[rightfullymine]

hi here is another update of rightfullymine v nationwide........

NOTHING....

they cashed my cheque on the 14th feb, today is the 3rd march and i have recieved nothing as yet !!!

am i being impatient? should i have heard by now? should i be doing anything?

the silence is rattling me a bit i must say

they have charged me loads over the last 6 years maybe the delay is due to the amount they have hit me with and all paperwork involved

please can anyone put my mind at rest..

 

thanks in advance

[Advoc8]

They're allowed up to 40 days from receipt of your payment to send you the info, although I don't know about Nationwide specifically many banks take up to the maximum time allowed.

[eggopp]

I recieved my statements from Nationwide within 3 weeks, but its been 4 so far with Halifax credit cards and still nothing from them. Nationwide by all accounts seem quicker to provide the info

[rightfullymine]

OK thank you advoc8, i read on this site that alot of people had recieved their statements by 2 weeks so it was worrying me a bit - more than a bit.

so 40 days it is then!! do i count saturdays as the branches are open and not sundays as they are closed? or dont count weekends at all?

thanks again

[Michael Browne]

40 calendar days

[rightfullymine]

thanks eggopp

hopefully should be here next week then. fingers crossed..

good luck with yours

[rightfullymine]

thanks michael

40 days it is.. im counting down.

cheers 4 that..

[crispqueen]

Hi I got mine on the 21st day!

[rightfullymine]

soo looked forward to getting my statements...

saw the postman but nothing 4 me!!!!

still counting !!!

[Advoc8]

I'd resign yourself to 40 days then anything that arrives early is a bonus

[rightfullymine]

hi advoc8

yes it does look that way, but im getting nervously excited!! 40 days isnt that long really. :-|

[rightfullymine]

[rightfullymine]

hi was chatting to some friends about getting your money back from the bank and they said they had heard about this but didnt know what to do about it, so i told them to check out CAG.. the more the merrier.. united we stand.

and still havnt heard from nationwide

[rightfullymine]

well surprise surprise!! i recieved my statements today, recorded delivery kept together with elastic band. but now i can get on with it.. im now going to check out what my next step is...

a stage nearer getting back whats rightfully mine!!

[eggopp]

Count up all your charges... get em on that spread sheet and posted tomorrow.. Nice one its all go from now..

[rightfullymine]

sorry guys but i am looking for the spread sheet i have seen on here when i was just reading!! now i actually need it i cant find it. does anyone know where it is hiding :-|

thanks

[Michael Browne]

6. Interest calculation spreadsheets

[rightfullymine]

i have been looking for the spreadsheet to fill in. i did have an overdraft until they closed it and did go over it once or twice. most of my charges are returned direct debits and returned cheques.. so do i use the england simple one,? i know i dont add the 8% yet. im not a great mathmatician and i worried that i could stuff up before i start by using the wrong one!! so i am gratefull for any advice ... i have read loads as much as i can every night over the last 8 weeks..

thank you in advance

[rightfullymine]

thank you michael,

while i was typing my question, you had already replied..

thanks for your guidance

[Michael Browne]

Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

See here for a visual guide:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

[rightfullymine]

thanks michael once again, just one more question and hopefully the last for tonight, what do i put in the cleared tansaction box?? once i know i will give the spreadsheet a go.. thanks again for your help

[Michael Browne]

This is a description of the type of penalty charge such as:

Paid Referral Fees

Card Misuse Charge

Default Fee

Unarranged Borrowing Fee/ Excess Borrowing

Unpaid Direct Debit/ Standing Order/ Cheque

 

Different banks have different terms, just enter however it's described on your statements

[rightfullymine]

thanks for that - here we go