PeterPiper V Nationwide

[PeterPiper]

well here we go, ROUND 1!!!

 

Ding, Ding.....

 

just received my statements from the Nationwide & i calculate they owe me £514!

 

typed up the prelim letter & was wondering do i send to Charles Bacon or Deborah Desborough?

[bram stoker]

Hi,

 

Charles Bacon deals with claims. I'd send it there.

 

Good luck,

Vamp.

[PeterPiper]

Hi,

 

Charles Bacon deals with claims. I'd send it there.

 

Good luck,

Vamp.

 

Thankyou!

 

 

i must say what a fantastic site this is, i have been reading various posts for weeks now & i'm all fired up.

 

[PeterPiper]

just got back from my jollies & have the standard Foxtrot Oscar letter from Sarah Watson. no surprise there then!

 

LBA to be sent today.

 

[PeterPiper]

just a quick update.

 

recieved a standard reply to my lba today, saying nothing really. i'm a bit dissappointed that they choose to ignore me, been a customer for 17 years. the £90 in charges thay took last week are starting to hurt now, as i have very little spare cash, and the kids birthdays are in 2 weeks.

 

hmmm. reality check.

 

screw them. i want my money back.

 

in the lba i managed to add the charges up wrong, £60 short of what i should be, so i feel rather embarrassed about that, but i guess there will be more to come my way in a week or so + the continuing charges they inflict.

 

the parachute account is up & running, all dd's have been changed and the sad old flex account is of no use to me anymore(seen the thread about nasty tricks, so wont be caught out...)

 

back to business, they owe me £714.02 in charges alone + £89.46 in interest.

 

gonna treat the kids when i get that little lot back(have 5 to treat! LOL)

 

need to fill in the moneyclaim form, anyone have any tips before i do please?

 

please PM me if you have the time or reply here, any help would be most welcome.

 

[Michael Browne]

Register at moneyclaim and start to fill in the form. It's relatively straightforward.

 

At any stage you can save it online and then go back and amend what you've already done or carry on.

 

Make sure you note all your log in details so you can go back to it

 

If you get stuck, post here

[PeterPiper]

Register at moneyclaim and start to fill in the form. It's relatively straightforward.

 

At any stage you can save it online and then go back and amend what you've already done or carry on.

 

Make sure you note all your log in details so you can go back to it

 

If you get stuck, post here

 

 

Thankyou

[PeterPiper]

i'm stuck at the particulars of claim.

 

i understand that i need to supply the defendant (Nationwide) & court with a list of charges & interest that i'm claiming for. how do i get this to them? is there an attachment button?

 

or would i be best in going the paper route & filing this at my local county court in person wiuth relevant supporting docs?

[Michael Browne]

Particulars of Claim

Claimant has account (A/C No) with Defendant from (Date)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date) to (Date) of (£0.00) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00).

[PeterPiper]

i'm stuck at the particulars of claim.

 

i understand that i need to supply the defendant (Nationwide) & court with a list of charges & interest that i'm claiming for. how do i get this to them? is there an attachment button?

 

or would i be best in going the paper route & filing this at my local county court in person wiuth relevant supporting docs?

 

 

 

 

still need help with the above, dont want to get it wrong.

 

also how do i claim a daily rate of interest? downloaded the spreadsheet & this dosent seem to calculate that figure.

[dolly]

You don't need to supply a statement of charges with the claim form at this stage, only if they come back with a defence which is HIGHLY unlikely. Yes, they will probably acknowledge with intent to defend but it is most likely that they will just pay you what they owe you.

 

To get the daily rate of interest, you need to get the total claim amount excluding interest and court fees, and work out 0.22% of that.

So basically: claim amount x 0.00022 = daily rate of interest.

Put it in monetary terms, for example £0.41

[PeterPiper]

claim submitted.

 

[PeterPiper]

good news...

 

i have 2 cash deposits in my account dated 21st july, a total of £776.48, £147 short of my full claim. £60 of that are 2 charges i have not paid as yet, so the real outstanding figure is about £87, which is as near as damn it the interest.

 

expecting letters soon!

 

wont settle until i get whats owed...

 

beers all round & a donation on the way!

[oooeee]

congratulations!!!!! my money came in two seperate lots the interest and then the actual charges so keep checking your account!!! i treated my girls to a new sim card for their phones and my son to a sonic screwdriver!!

[PeterPiper]

received the account closure letter today.

 

farewell nationwide!

[dolly]

Have you got the remaining balance yet?

[PeterPiper]

Have you got the remaining balance yet?

 

 

not as yet. seems a bit strange to me.

 

i added £60 extra to my moneyclaim as there are £60 worth of charges to come out on 2nd/3rd August, so i expected them to either pay up £60 short & write charges off, or pay up in full.

 

however they have paid £147 short as outlined above.

 

not sure where to go from here, but the ball is in their court, they dont have long left either...

 

[dolly]

I would ring them and ask why it is missing and say that you will not consider it closed until it is all paid in. Number for his office is on defence form from the courts.

[PeterPiper]

I would ring them and ask why it is missing and say that you will not consider it closed until it is all paid in. Number for his office is on defence form from the courts.

 

 

thankyou

 

will do just that!

[dolly]

Will PM you it if you need it - let us know what they say

[PeterPiper]

spoke to them & they claim what they have paid is correct, although this should have been confirmed in writing, which they will do.

 

someone has gone through my account, worked out all charges & interest & then paid the court fee, somewhat less than i worked out!

 

so, what will happen with the court then? will it go in my favour, or will they appeal?

 

what annoys me the most is they totally ignored my prelim & lba & continued to add charges to my account!

 

i'm still getting letters saying "sorry we have not been able to resolve your complaint". bunch of fools they are.

 

[dolly]

Ask them for a full breakdown of how they have calculated your charges, like you did on your spreadsheet. They never provide one and they messed mine up initially missing out 2 unpaid DD charges which I queried.

 

Did you ask for the OD Interest Fees in your claim as I am pretty sure that they are not claimable?

[PeterPiper]

Ask them for a full breakdown of how they have calculated your charges, like you did on your spreadsheet. They never provide one and they messed mine up initially missing out 2 unpaid DD charges which I queried.

 

Did you ask for the OD Interest Fees in your claim as I am pretty sure that they are not claimable?

 

 

they said they would send a full breakdown of how they worked it all out.

 

the account was a basic Flexaccount &didn't have an overdraft facility, so i never paid those kind of charges. I worked the charges out using the Excel spreadsheet.

 

I fail to understand why they didn't respond to my 2 requests and then decide to have a go themselves ignoring my claim and now expecting me to accept what they pay. I'm not in the mood to be chasing them all over the place, if this goes to court, Mr Bacon will have to justify the charges, thus admitting them. Either way they lose.

 

I will send an email to Mr Bacon later today.

 

sizzle, sizzle....can you smell it?

[PeterPiper]

a quick update..

 

no letter as yet from the NW, but just checked my account online (still have access) and they took the 2x£30 penalties on the 3rd & then refunded both the same day.

 

just shows thay are monitoring my account!

 

they dont have long now....

[PeterPiper]

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