Jump to content


  • Tweets

  • Posts

    • [URL=https://meettomy.site]Pretty Girls in your town[/URL]
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
  • 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 
      • 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

Whiskas v Nationwide


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

Thread Locked

because no one has posted on it for the last 6217 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

I think you need to be more specific - I have been in dispute with NW since Oct 06 - yes you will get 8% simple interest once claimed is filed in court, but other people are claiming for contractual interest which is a much more complicated claim. (@ 7.75% authorised compounded and 24.9% unauthorised compounded interest).

I never applied for the compounded or excess overdraft interest. You've got a lot of calculations if you're going to go down that path, and a simple mistake could render the claim invalid. I wouldn't attach any interest until posting the MCOL, and then only attach the 8% to the charges.

Link to post
Share on other sites

  • Replies 146
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hello whiskas!

...I am really hoping they don't close my overdraft facility (which is a reducing overdraft) and use my winnings on that.
???...Which bit of "reducing O/D" = NO O/D eventually, are U confused about???

Unless U have an account that offers 0% Interest on an O/D (A+L offer one I believe), then U can expect to pay for the service.

The % Interest is often MORE than U would have to pay on a Personal Loan and also MORE than the Bank offers as a return for investing in their High Interest Account.

It therefore follows that it is more financially prudent to clear an O/D BEFORE using any spare income to furnish expenditure a Personal Loan could deal with, or BEFORE investing in a Deposit Account.

Your choice of course!

Link to post
Share on other sites

...There is a lot of misinformation about the claim procedure going around.
Where is that then???

 

Just stick your MCOL in...What about N1??? and wait the 28 days....and What if U hear something before the 28 days are up??? When you click 'Judgement by default' after the 28 days,...U can't do that if they have already submitted a defence, so what are the alternatives??? the Nationwide will apparently file a defence,...and What are their different Defences that they have used??? but then they will pay up the full amount WITH INTEREST - IF YOU CLAIM IT within a few days....Sometimes...Sometimes NOT!!!

 

I'll write a full account of my case (when I get time) for other people's benefit, and it won't have any annoying 'txtspk' in it. :grin:
...ahem!...lol...:)
Firstly @ mahharg...
Link to post
Share on other sites

I never applied for the compounded or excess overdraft interest. You've got a lot of calculations if you're going to go down that path, and a simple mistake could render the claim invalid. I wouldn't attach any interest until posting the MCOL, and then only attach the 8% to the charges.
£100 of Penalty Charges Debited 6yrs ago = £148.02 with s69 8% Statutory Interest.

The same £100 = £379.87 with Daily Compounded Contractual Interest @ the Unauthorised O/D Rate of 24.9%AER.

The Interest on the Interest is negligible.

 

Any calculations are done by the spreadsheet used.

A user-friendly spreadsheet (v1.9 courtesy of Mindzai) that does BOTH calculations can be found in the following thread:

http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html

Link to post
Share on other sites

...Have just filed with MCOL, am going to request payment by cheque when they write with an offer to try and avoid the above situation!
U will probably find that Nationwide WON'T write to U with an offer.

They will just pay several part payments into your Flexaccount without consulting U first.

That is of course, if they don't decide that your case is weak enough that they can oppose it and have it 'Struck Out'!...:)

Link to post
Share on other sites

There is a lot of misinformation about the claim procedure going around.
Where is that then???

Well, there are a lot of other people on this board who were claiming from Nationwide with almost exactly the same timescale as me, and ALL WERE DEALT WITH IN THE SAME MANNER. We were paid last week, by the same methods, at the same point of the court process. Refer to pitters or nines if you are still in doubt.

 

For a lot of the information and assistance I required with my claim, I was forced to refer to the Which forum and other friends outside of the internet who are also claimants.

 

There are a lot of people on this site who have racked up so much in lost payments that they could very easily be consider NOT be the best people to refer to for financial advice.

 

Just stick your MCOL in

...What about N1???

Who said anything about an N1? I did not see a mention of an N1 in this thread. Semantics will get you nowhere, boy.

 

and wait the 28 days.

...and What if U hear something before the 28 days are up???

Who has heard anything? Nobody I have read about on this or any other forum in the last couple of weeks has heard ANYTHING AT ALL before the 28 days deadline. You are confusing situations unnecessarily here.

 

When you click 'Judgement by default' after the 28 days,

...U can't do that if they have already submitted a defence, so what are the alternatives???

They are not submitting defences until after the 28 days have passed. Can you find an example of this, or are you just here for an argument?

 

the Nationwide will apparently file a defence,

...and What are their different Defences that they have used???

What is your point? If you are going to cut sentences up, and you are not going to read the words on the screen, how can you be of any help to anyone?

 

Nationwide have said to a lot of people that they are defending the claim as they have explained that their charges are transparent. If they believed this, they would NOT pay up.

 

but then they will pay up the full amount WITH INTEREST - IF YOU CLAIM IT within a few days.

...Sometimes...Sometimes NOT!!!

When did you claim? What is your point? Are you here to offer advice or just to troll?

 

I’ll write a full account of my case (when I get time) for other people's benefit, and it won't have any annoying 'txtspk' in it.

...ahem!...lol... :-)

Firstly @ mahharg...

Semantics will get you nowhere, dear boy. I use a lot of internet for a on a regular basis, and have done for years. On a forum where I moderate, the use of ‘@’ to indicate that you are aiming a specific post at a specific user is perfectly justifiable, but ‘txtspk’ would have ‘U’ chastised. It makes you look childish and uneducated; exactly the sort of impression you should be steering away from when you are offering people financial advice.

 

I don’t want a fight here, but if you do, PM me and I’ll give you the URL to another forum where we can have a proper fight. :D

Link to post
Share on other sites

Hello Melon Farmer!

I will let your last post go.

...YOU totally missed the point I was making and I just can't be bothered to express it in simple words that YOU might be able to understand.

Best of luck in any other claims that YOU may have!

Link to post
Share on other sites

For a lot of the information and assistance I required with my claim, I was forced to refer to the Which forum and other friends outside of the internet who are also claimants.

There are a lot of people on this site who have racked up so much in lost payments that they could very easily be consider NOT be the best people to refer to for financial advice.

 

On a forum where I moderate...

 

I don’t want a fight here, but if you do, PM me and I’ll give you the URL to another forum where we can have a proper fight. :D

Other CAG Members may wish to comment??
Link to post
Share on other sites

Hello Melon Farmer!

 

I will let your last post go.

...YOU totally missed the point I was making and I just can't be bothered to express it in simple words that YOU might be able to understand.

 

Best of luck in any other claims that YOU may have!

You are not commenting on the items being discussed in the thread.

 

By implying that I 'may not be able to understand your simple terms' as your misguided attempt to discredit me, you are dragging a thread off-topic, while disturbing your own credibility.

 

I, on the other hand, have just completed a successful claim with the Nationwide, and my extended presence here is to help other people with their progress who are in the same situation.

 

If anyone would like to conatact me via PM for help with a claim on a personal level, I would be more than willing to offer all the advice I can. Otherwise, I can be contacted direct by e-mail on .

 

Please do not see this petty squabble as anything other than a member with a big post count throwing his weight around; my intentions on this forum are the same as they have always been - to find the advice from experienced claimants that will help with my own claim and then to pass the experience onto others for their benefit.

Link to post
Share on other sites

I, on the other hand, have just completed a successful claim with the Nationwide, and my extended presence here is to help other people with their progress who are in the same situation.

 

Me too.

I was simply trying to make a point that NOT all claims are the same. YOU chose not to add compounded interest, I on the other hand did.

Nationwide have paid me 7.75% compounded interest. :)

I appreciate you are indeed trying to help people - me too - as well as Milk Tray Man.

Good luck with any other claims you may have.

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

  • 2 weeks later...

Hi, I have received my Acknoweldgement of Service with details of Nationwide's solicitors "eversheds" and contact details. Do I need to email them a copy of the spreadsheet I have sent with my MCOL claim???

Link to post
Share on other sites

There's no harm in doing so, but if you have sent one to court they should forward a copy for you.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

Thanks guys, I think I will email Nationwide's solicitors a copy of the spreadsheet just to make sure.

So...i received my acknoweldgement of service and Evershed's (NW's solicitor) have ticked they are going to defend.

Feeling REALLY scared now! Do I just sit tight? It's dated 30th April so I gather they have 28 days to prepare a defence??

Link to post
Share on other sites

They only tick that box because there isn't one that says...

 

"Will pretend that we are going to defend in order to scare the litigant and put pressure on them for no reason, when in actual fact we have no intention of appearing in court"

 

;)

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

  • 2 weeks later...

They acknowledged my claim on 18 april and the money arrived on 17 may about 5 days ahead of the 28 day deadline.

 

The first i knew about it was that they entered a defence on MCOL - the defence was that they had paid up

 

Please note though - you HAVE to be prepared to go to court if necessary, Nationwide seem to be paying up before the court date but it's not an absolute guarantee.

Link to post
Share on other sites

Sorry...just having a blond moment...looking at the dates you put in your previous post it was 4 weeks and 1 day after acknowldgement you got your money but you say it was 5 days before 28 day deadline. Just confused!

 

On my acknoweldgement they had put a cross in the box to say they would defend. Is it twenty eight days from the date of acknowledgement i.e 30th April so should be 28th May??

 

Hope this makes sense!

Link to post
Share on other sites

Sorry...just having a blond moment...looking at the dates you put in your previous post it was 4 weeks and 1 day after acknowldgement you got your money but you say it was 5 days before 28 day deadline. Just confused!

 

Hehehe me too! MCOL told me that the deadline was midnight on 21/5 and i figured they'd be the one's to know - i tried working it out and failed miserably.. not 28 straight days and not 28 working days either.... :confused:

 

in the end, who cares, the buggers paid up!:D

 

I hope they do for you too

 

Andy

Link to post
Share on other sites

hi there,

 

i'm at the MCOL stage where NW have acknowldedged the claim but not received any paperwork yet (been checking status online) when they paid you did they pay the court costs too or do you haveto apply seperately?

 

well done btw

 

 

shaz

Link to post
Share on other sites

hi there,

 

i'm at the MCOL stage where NW have acknowldedged the claim but not received any paperwork yet (been checking status online) when they paid you did they pay the court costs too or do you haveto apply seperately?

 

well done btw

 

 

shaz

 

The paperwork takes a few days to come thru the post so don't worry about that, the court charges were included automatically in my case, i didn't need to do anything seperately.

 

Good luck

 

Andy

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...