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    • I made that payment on 13th Feb, then it all went to sh!t x
    • Massive potentially that payment has been made in some form as accompanying evidence to your financial difficulties.  And yes, but add some more zing to the email if it goes to the CEO - You need to make them understand what they have done. And telling the CEO  / MD of the biz what their actions have done to you - It adds to the complaint weighting.    
    • I have just found an email (and checked and verified it on my MCB account online) and I did make a payment to them, but then obvs didn't after that. Will that make any difference to my case? 
    • This is what I have said in my email of complaint:   On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I have found myself in financial difficulty and I contacted you on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months and I fully explained why I was requesting this and asked for your help. I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name.  I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this.  What I would like you to do is to please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP. If you fail to resolve my complaint within 8 weeks, or if matters are not settled to my satisfaction, I will have no alternative but to refer my complaint to the Financial Ombudsman Service. I look forward to hearing from you. Yours faithfully, Should I send something along those lines to the CEO? 
    • Right... Misuse of Facility is a Cat 6 and is considered the worst out of all of the CIFAS Categories for CIFAS Markers.  However lets see what happens when MCB come back to you. Make sure you refer it to the CEO.    IF YOU DONT HAVE A VALID REASON FOR THE ISSUE WITH PAYMENTS ETC - Then the marker will stay.   
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FredT v Nationwide


FredT
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i hope so fred.............fingers crossed!!

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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Thanks for the support. Can't see the money going in today. Called again to speak with Richard Huntley and was told that he was in a meeting and would call me back...he hasn't in the past so not holding my breath!

 

I expect I will be calling at my local County Court Monday to file for judgment and I hope not to be told that they have filed a late defence.

 

Fred

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aww, Fred...........keep calling him!! and then call Mr Bacon!!! i really hoped you wouldn't have had to go through all this!! x

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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Just called Mr Huntley again. Was told that he was still in a meeting but should not be much longer and he will call me back as soon as he gest out of the meeting. Then called Mr Bacon and went straight to voice mail - left message for him to call me too.

 

Still zilch on the account. The way that they are behaving they must be losing customers in droves. To think that when I was working I had all my salaries paid into that account (in one particular job it was around £3k a month) and then they treat people like this.

 

What really riles me is the fact that I have a letter dated 2 April stating quite clearly that a refund was in progress.

 

Fred

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I know Fred hang in there!!........they have behaved appallingly!! to tell you they will put the money in your account and then take this long to do it is shocking!!........it doesn't take them 2 seconds to take the money from your account but 18 days to refund you!!...........x

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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Mr Huntley has just called me back. He said that they have 60 claims to pay on today and over the weekend. he said that mine was being treated as urgent and that I should take his word for it that the money would go on my account either over the weekend or on Monday.

 

He said that they had to check every claim carefully because they have had claims for £11K which when they look at the account should actually only be for £100!!

 

He also acknowledged that they are inundated with claims.

 

Fred

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There's still hope then??:D

 

It's a shame that people are now trying to abuse the system by trying to claim more then what they're intitled too!

Most of us just want back what's ours.:mad:

However the banks wouldn't be in this position in the first place if there charges were reasonable.

 

 

And also this was something that the bank said???? Hmmm:p

 

Good luck:grin:

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well Fred at least they phoned you back!! so roll on monday then..and i hope you can begin your shopping spree soon( or rather your wife can begin!!)

lori xx

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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  • 3 weeks later...
  • 4 months later...

Hi everyone

 

Can anyone tell me the timescale for Nationwide debiting their charges from accounts after the direct debit has been unpaid etc?

 

I seem to recall on an old statement that it was 28 days but having looked at my online statements it seems to be longer than that - but variable.

 

Fred

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Hi Fred,

I think it is 28 days from the date of the statement which is usually the 14th of each month.

Now then, they date the statement on the 14th of each month,inform you they are going to take the charges from your account in 28 days time (usually the 11th or 12th day of the following month!) yet I don't know about you but I don't usually receive my statement until about the 25th of the month (11 days AFTER the statement date) therefore the so called 28 days notice is none existant!!:mad: could this be a breach of contract on the Nationwides side?:confused:

Just a thought!

Hope this has helped a bit.

 

stay fresh peeps

 

regards

chris

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