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    • Thanks @FTMDave. I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
    • What you've just written complicates things. No, the snotty letter now needs to be changed so don't rush and send something off just yet. We see you've done your reading up - well done - so you'll have seen we have several cases with our mate Kev.  His MO is to hide signs in the undergrowth where no-one will see them, and ignore consideration & grace periods, so he can issue his invoices.  His antics mean that motorists are legally in the right not to pay his invoices.  And so far he hasn't had the bottle to do court. However, your case is different.  As much as we despise Kev, you didn't pay for the private car park that Kev "manages" but instead gave the money to a completely different car park run by the council.  In that case Kev does have the right to be miffed.  I've just a mock booking for Sea View car park on JustPark and it works no problem. I think you have two decisions to make. 1.  Do you want to do a chargeback with your bank to get back the £60 you paid?  I did a chargeback about a year ago for the first time, i didn't have a clue what to do, but the regulars here guided me and everything was painless. 2.  Although you are probably legally in the wrong and may have outed yourself as the driver do you want to refuse to pay Kev for the other two?  If Kev won't do court then after all his bluster you'll be in the clear. However, as there are two tickets involved (potentially three if you go for chargeback) Kev's geed might win over his lack of backbone and he may go for court. There's no easy solution.  Your choice.  We will of course support you all the way with what you decide.
    • Ok thanx  I keeping coming across this term “ holding defence”. Can someone explain what this is. Thanx. 
    • Thank you @lookinforinfo and @FTMDave.  The car park I paid for by mistake instead of this one was Cornwall council, not Alliance. Will the letter still be ok in this instance? Thank you so much again for your help. When you open the Just Park app in the  Alliance car park (Sea View) the first car park that comes up is Polzeath Beach. Both car parks are on the beach. The signs do not give a code for 'Sea View' anywhere. I also have not been able to find the landowner to complain. (not on land registry.) Please confirm whether above letter is ok to send, thanks again.
    • OK thanks, I noted them down when I checked the report - 3 have already expired, although if I'm adding the 14 days on then it'll be another week or so for those. The others are; end of July (so into August is that right?), end of August (these two are the big ones) and a couple of grand on Shop Direct at the end of November but seeing as this furthest one is Lowell and they have already missed those first 3 then I feel pretty safe with that one. Are these DN dates on the credit report that dates I should be looking at +14 days when their anniversaries come up this year as the time when I can be sure the debts are SB?  I won't be rushing to send the SB letters anyway until the final one has passed and I can just do them in one fell swoop.
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TIATIA V NATIONWIDE (Scottish but claiming in England)


tiatia
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Hi, Just going to post my first letter asking for my charges back. Wish me luck.

I live in Scotland but my claim is for £4000 with the interest added on so will be claiming via the english courts.

If anyone has any tips about this please let me know as I must admit I am a bit nervous.

One question at the moment though if anyone can help - at the moment my letters have my scottish address on them. Do I only need to use the english address for the MCOL?

Thanks:D

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hi tiatia, good luck i too live in scotland and i recently won my claim with nationwide ( just under 4k) and i used mcol, i used my aunts address and this was fine, much better than the paltry 750 we can claim up here!! my aunt only received two letters for me and she scanned them up to me then sent them on........ best of luck with your claim, let me know how you are going to do it. 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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Hi Tiatia....I live in Scotland, but as I don't have an English address I can use, I will befiling my claim in Berwick upon Tweed, the nearest English County Court. You can do it all by post (unless the bank defends, and you actually have to appear in court there, but this is unlikely.

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Hi Lori and Libby....thanks for replying.

I haven't quite decided how I am going to do it yet just that I am going through the english courts because of the amount,but hopefully everyone with their insight will be abe to help. I,m off on hols this week and next so basicaly trying to read up and get everything prepared as I intend to fight all the way!

I have used my own adress on my first letter and will use my own address on my letter before action. This is when I make the decision re the courts.

1. Do I now use a friends address in England and do it mcol or do I use my own address and find the first court over the border in England nearest to me? Either way because of the amount I am prepared to go in person if they wish me to appear. Any advice appreciated.

Lori, you said your aunt only received 2 letters, are you able to say what these were for?

Libby, my first charge was in Jan 02 so I am claiming from then.

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hi again tiatia, yes the letters my aunt received on my behalf were the acknowledgment of service and then the notice of issue, i found this way very straighforward, however i must point out that there is a chance it could have been moved to a local court which could possibly have been in northampton, i too would have gladly went down there for a few days, best of luck and let us know what you decide to do. enjoy your hols!! 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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Hi all, just a question if anyone has an answer.

I am claiming off a joint account but I am claiming independently in my own name. If there were more charges that could be claimed because I missed some out could my husband then claim these independently at the end of my claim?

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if you have missed them out just add them on now....you haven't filed at court yet and this should be fine..............the worry would be that you were stopped later for already claiming.although i'm not sure about this........hopefully someone will come along and clarify. 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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thanks Lori

I feel a bit stupid now because on my letter I claimed for £3400 of charges. Even though I thought I had read everything I was a bit confused and didn't realise I could claim for cheque card misuse fee and unauthorised overdraft fee. This would then take it up to near the £5000 mark excluding any interest. When you say "the worry woud be that you were stopped later for already claiming" did you mean in relation to a second claim? do you think I should know redraft a new letter and start again or just send a letter stating I had missed these out and they are to be added on and keep to my original timescale?

help much appreciated anyone. thanks

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Hi Tiatia,

 

Not to worry. You will be fine the total amount can be submitted at court bundle stage, including all of these other charges.

You will have to compile a full list for your spread sheet and the new total for the court,The bank will check the amount.

I did pretty much the same with Halifax and their total was more than I had asked for.

 

Good Luck,

Happyolddog.

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  • 4 weeks later...

Hi all, just a quick update. Nationwide did not respond to my first letter!

 

Sent off LBA on 26 April. I updated on it the charges we were claiming so it amounts to over £4000 now. As I had put the interest on the last letter(my mistake) I left it out this time but stated that I would claim interest if it went further ie they did not pay me back my charges.

 

I am going to do it by MCOL - am I right in saying that I can start filling this out on the computer in preparation for them not replying to the LBA?

 

Any help appreciated. Thanks.

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Hi Tiatia....Don't know too much about MCOL (Lori will keep you right on that).I filed my son's claim (about £1900 all in) at Berwick and Morpeth County Court, and it was deemed served yesterday, so here we go. I didn't have an address I could use in England, so it was the only way to go. My son and I are quite prepared to travel to Berwick if it reaches court, having had some lovely weekends there at the Holiday Centre! The good thing about doing it direct with the court, is you send 3 copies of N1 and schedule of charges at the time, and the court takes care of distributing them for you, unlike MCOL. If you want the address of the court in Berwick just let me know. Good luck,

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HI Tiatia, and yes your right you can fill it out in preperation, you can save your work on mcol and be ready to hit the submit button as soon as the LBA time is up, be sure to check that they have recieved your LBA if you sent by recorded delivery you will be able to access this information using the track and trace facility on the royal mail website. best of luck to both you and libby 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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I hope you do, any worries just post them 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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Hi, Nationwide have now replied to our second letter with standard reply.

 

Have started to fill in and prepare my MCOL so just have a few questions if anyone can help.

I know some may sound silly but I found it quite scary!

 

1.Lori1 if you are out there or anyone who lives in scotland but claimed in england

In claimants details - There is a box for REFERENCE DETAILS for the service address which is my own reference that will appear on the claim form sent to the defendent - any suggestions as to what I should put in here?

2. I presume the defendant was an organisation -Yes? and no second defendant-Yes. I don,t send it to Charles Bacon as an individual- no

3. I used the nationwide registerd address from this website- they came back with Nationwide Bldg Soc, Nationwide House, Pipers Way, Swindon, SN3 1TA. I stuck with the one on this website, is that ok?

4.On the POC it states "the defendant debited charges and interest in respect of purported breaches - I am not claiming overdraft interest so should I take the interest bit out?

On the POc no 7 it states Costs allowed by the court - is this the court costs.

5.It is a joint account and we both have the same authority on it. Mcol only allows for one name as claimaint. I,ve done it in my name. Is it needed for me to put my husbands name on it anywhere in the Poc's or state that this claim is for both of us?. I am a little concerned because they never replied to our first letter in my name only but replied to our joint letter so would prefer to be prepared.

6. Could I start preparing my spreadsheets now and then update them by updating the date?

 

Hope anyone out there can answer my questions and reassure me and look forward to hearing from you.

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Hi Tiatia...Michael Browne has an excellent post called GETTING MCOL RIGHT posted on 4/03/2007. (I don't know how to do a link to it, sorry) Lori will probably know all the answers to your questions, but this post makes it very clear what to do......good luck

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Hiya,

 

Don't know much about MCOL or claiming in Scotland, but I can do links:

 

Getting MCOL Right

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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Update - Filed MCOL today the 13 May 2005. £120.00 is a lot of money but hopefully all worthwhile. Tomorrow I send off 2 copies of charges with covering letter (next day special delivery) to MCOL.

I keep thinking I,ve done something wrong but I suppose thats natural!

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  • 2 weeks later...

well done guys you seem to be doing very well, hopefully we will all have our money soon!!

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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