Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Nationwide Account Closure


Cornucopia
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6259 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello,

 

I am not a Nationwide claimant, however, in my local paper today there is an article about a claimant who has had his account closed having made a successful claim.

 

Nationwide say that it is not because he has claimed back the charges but because they consider that the relationship between the claimant and the bank has broken down as he appears unable to adhere to their terms and conditions.

 

I thought you might find this information useful and will be happy to answer questions on the article if you wish to post them.

 

Regards,

 

Cornucopia

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

hi cornucopia did you know you can claim 125 pound if they close your account

 

Hi there, I know that Alliance & Leicester had to pay £125.00 compensation to a customer whose account has been closed, but he did have to go through court. This is not my account, it was somebody in the local paper. I don't want to name him as he might present himself on here anyway, I hope he does! The more the merrier.

 

In my opinion, the banks should be prosecuted for such behaviour. It is shocking.

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

Nationwide confuse me and I work for them...

 

I have to admit, with all the negative publicity surrounding banks at the moment, you'd think they would be more savvy! They just seem to be courting bad press and are delighting in announcing their huge profits whilst at the same time screwing their "customers" into the ground.

 

It is turning around though...........!

 

You would also think that given the bad publicity that surrounded Alliance & Leicester's court appearance and subsequent fine, they would not put themselves in the same situation! They obviously love a challenge! Mind you, so do we!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

Hi

 

Can you give me some more information about this please. I bank (at the moment) with Nationwide and 2 days after they paid my bank charges back they have sent a letter stating that:

"it is now clear you are unwilling to conduct your account in accordance with our Flex Account terma and conditions, therefore this letter is notification of our intention to close the account in 32 days time"....etc etc

and "all balances need to be repaid by 22nd March or we will view this as attempted fraud and may strat legal action"

 

do you know if this is legal - any ideas what to do next

 

thanks

 

Jenfreya

Link to post
Share on other sites

Jenfreya,

 

Can I ask how much you claimed for. I am worried they will do this with me as i have £2450 overdraft between my accounts with them and am only claiming £150 between the 3 accounts so am wondering if it is worth it!

Link to post
Share on other sites

Hello Diamond82!

Jenfreya,

 

Can I ask how much you claimed for. I am worried they will do this with me as i have £2450 overdraft between my accounts with them and am only claiming £150 between the 3 accounts so am wondering if it is worth it!

Overdrafts are payable on demand.

Make NO mistake...Nationwide fight dirty and are spiteful!

 

It is YOUR money that they have unlawfully taken.

Only U can decide whether U think it's worth persuing YOUR Claim at this moment in time.

 

Read through the following link and be rest assured that U have plenty of time to get back on your feet and STILL get YOUR unlawfully taken money back if U choose to postpone YOUR Claim.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

Link to post
Share on other sites

Hi

 

Can you give me some more information about this please. I bank (at the moment) with Nationwide and 2 days after they paid my bank charges back they have sent a letter stating that:

"it is now clear you are unwilling to conduct your account in accordance with our Flex Account terma and conditions, therefore this letter is notification of our intention to close the account in 32 days time"....etc etc

and "all balances need to be repaid by 22nd March or we will view this as attempted fraud and may strat legal action"

 

do you know if this is legal - any ideas what to do next

 

thanks

 

Jenfreya

 

Hi Jenfreya,

 

It seems that you too are a victim of this. I am not a Nationwide claimant but I read the story in our local press about a claimant who had his account closed, hence my post in this forum.

 

I would firstly write to Nationwide stating that you believe their closure of your account to be "retaliatory action" and that you will be reporting them to the Office of Fair Trading and the Financial Ombudsman Service. I would also consider contacting the press, the more bad publicity they get the better in my opinion. Did you get your CAG Newsletter today? There is an article about Alliance & Leicester being fined for retaliatory bank account closure. You might want to quote this to Nationwide.

 

Of course, a bank can close your account at any time and demand immediate repayment of an overdraft. However, it is no co-incidence that this is in response to your claim. Did you open a parachute account elsewhere? Do you have borrowings with Nationwide? I believe it would be deemed unreasonable for them to demand full repayment of a large overdraft for instance, if you were unable to do so.

 

You must try and fight this and I wish you lots of luck. I will watch the thread with interest to see how many others are affected by this.

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

  • 2 weeks later...

Just spotted BBCi text that the OFT has passed some cases to FSA where bank accounts have been closed after winning refund of bank charges.

Will be interested to see what happens

 

dpick

  • Haha 1
Link to post
Share on other sites

Just spotted BBCi text that the OFT has passed some cases to FSA where bank accounts have been closed after winning refund of bank charges.

Will be interested to see what happens

 

dpick

 

dpick, fancy seeing you over here!;)

 

There was also an article about this in the Mail on Sunday Financial supplement, the more publicity the better!

 

I wish the guy who was in my local paper (and the reason I started this thread) would come on and tell us about it, we could help him get revenge!!!:cool:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

Hi Cornucopia

Glad to stick it to the mongrels any legal way I can.

I think that the banks are going to come unstuck if they keep closing accounts.

 

On a different matter could you have a look at my thread

dpick and mbna and capital one

 

No pun intended I have an interesting question about interest.

 

see you dpick

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...