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    • I think you could usefully telephone the Sunderland County Court during the week – maybe Wednesday to find out the progress of the warrant and what date they imagine that they are going to go round and execute it. They might also tell you whether they are preparing to make a visit or whether they are going to do it by letter initially. This kind of information is available – because about 10 years or so ago, we sent the bailiffs into the Royal Bank of Scotland in Camden Town and we managed to get the data in advance and we had the press waiting to report.     https://www.standard.co.uk/hp/front/customer-sends-bailiffs-in-to-seize-bank-s-computers-7197321.html oh how we laughed    
    • Incidentally, don't state a deadline for action in the letter. I think that this adds to tension and it's not necessary. You simply allow them five days – but don't refer to that timescale
    • No. They don't need two weeks. I think you should be entitled to expect a reply by next Friday so that's five days. If they don't reply then I think that we should be thinking about issuing a letter of claim. If they apply with a date for inspection within the next week then you will have to accept that. If they reply but without giving a firm date for an inspection or if the date is too far away – more than 10 days – then I think you should consider a letter of claim. Anyway, let's know what happens and we can work it out as we go along
    • Thanks for your help, much appreciated.   Yes, i understand, i am rejecting the carpet using my statutory rights and putting the ball back to them to either remedy the issue or prove otherwise.   I have already made enquiries regarding an independent survey, i will wait for their reply.     Should i give them a 2 weeks to reply ?    
    • It's important not to rush though, and let your body fight this.   Take care of youself.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Nationwide charges


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Hi, this is my first post and I have to say my head is swimming since reading some of the other posts, its scared me a little but I am determinded to win back whats rightfully mine.

 

I am firstly going to get back charges from the Nationwide, for a bank account and the other a credit card. I received my bank statements finally after 50 days (yesterday) but still no sight of my credit card statements, they have cashed my £10 payment for the information and I have spoken with a few different departments who seem to have no knowledge of whats going on (also pretend that this a most irregular request, hence the confusion).

 

I need some advice on whether I can claim back 2 charges of £800 each as both the accounts were placed as defaults against my property, I am desparately trying to find out if this amount is deemed resonable (not in my eyes).

 

 

Can anyone help me please.

 

Also need to work out the interest.

 

Hope I can gain some confidence from the forum as at the moment its seems very technical.

 

Many Thanks

Nationwide Bank Account subject access request

21st Feb 07, statements received 13th April 2007

 

Nationwide Credit Card SAR sent 21st Feb 07 .. Still not received :-x

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Hi again

 

Just spoken with Nationwide Data protection team, who have strangely enough told me that my credit card information is being posted today !, think I have worked out the interest for the bank account using the calculator on motley fool. Will keep you updated with proceedings.

 

Regarding the charges against the property it was a legal charge which was registered against the property with the Land registry ..... would really welcome advice.

 

Thanks

Nationwide Bank Account subject access request

21st Feb 07, statements received 13th April 2007

 

Nationwide Credit Card SAR sent 21st Feb 07 .. Still not received :-x

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hi there toots, welcome to CAG

congratulations in taking your first steps to claiming back whats rightfully yours...

my first advice is to read the FAQ.

they have 40 days including weekends and bank holidays to comply to your requests, if they, dont send non compliance letter (see templates).

 

i cant advise on the defaults placed on your property, but when you send in the letters prelim & LBA it does have a section requesting the defaults be removed..

im sure someone with more knowledge and experience will advise you very soon..

dont worry, help is here..

good luck and stick with it

keep us posted :)

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Hi has anyone had any joy in working out whether I can claim back the costs for Nationwide registering a default against my property with the the Land registry. I have spoken with the Financial Ombudsman and they put me onto the Law society who gave me the numbers of a couple of solicitors who didnt really give me a straight answer as it seems that it depends greatly on how much Nationwides solicitors charge per hour and what time it took, but it was suggested that I wrote just saying I deemed the £1600 (for 2 charges) high and as I was in a disadvantaged position at the time it was unreasonable. Could anyone make any more suggestions or suggest a draft letter.

 

Thanks

Nationwide Bank Account subject access request

21st Feb 07, statements received 13th April 2007

 

Nationwide Credit Card SAR sent 21st Feb 07 .. Still not received :-x

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Hi again

 

Just putting my thoughts up here as I really would like to get my prelim letter off this week, Shall I just chance my luck and ask for half of the default charge back on top of my bank charges and add a bit to the letter explaining that I deem it unreasonable as my post above ??

 

Please someone help me !!

 

Thank you

Nationwide Bank Account subject access request

21st Feb 07, statements received 13th April 2007

 

Nationwide Credit Card SAR sent 21st Feb 07 .. Still not received :-x

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Hi toots,

 

I've got no idea whether you can claim back the default costs but its worth a try? The million dollar question is, can you afford to cover their costs if you lose? It would probably be a landmark case. Only you can decide.

 

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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Hi Toots.

 

I have 2 accounts with Nationwide. I am currently in the process of claiming charges for the smaller account but will make a larger claim on the second at a later date. It is on this second account that I have a charging order against my property. I got no response when asking for advice regarding this but these are my thoughts on the matter:

  • I will request that the default be removed as the amount that was defaulted consisted entirely of bank charges.
  • If I am successful in having the default removed I plan to make a seperate claim regarding the charging order (I believe that they have to default your account before they can progress to CCJ's/charging orders, default removed = no grounds to enforce CCJ). I will request that it be removed, that the court costs be reimbursed and I may even consider putting in a claim for resultant costs of having to accept a higher interest rate mortgage.

I think that you would truly have a case if the original default amount was the same as or less than the bank charges applied to your account up to the default date.

 

I will let you know how I get on, good luck.

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Hello toots68!

Try reading/posting on the following Forums re: Default Removal etc

http://www.consumeractiongroup.co.uk/forum/legalities/

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

 

U could also try clicking on 'Search' at the top of this page and typing in 'Charging Order', or whatever U think is appropriate and read through the threads that come up.

Hope the above info helps?!...:)

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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  • 1 month later...

Hi again, I still feel I am no further forward, I now have the financial Ombudsman helping me, but have got the standard letter back today re my credit card charges saying that they were deemed fair by the OFT, they still havent sent me a copy of the charges which I requested in February, but the Financial Ombudsman said to start the claim without them. Im now confused as to what to do next, any suggestions ??? Do I contact the FO again and let them know what the response was ?

 

Many thanks

Nationwide Bank Account subject access request

21st Feb 07, statements received 13th April 2007

 

Nationwide Credit Card SAR sent 21st Feb 07 .. Still not received :-x

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Hello toots68!

 

Follow the advice given in the following Thread re:Charges Info...

(...especially the links pointed to in #6)

http://www.consumeractiongroup.co.uk/forum/nationwide/86629-artrex-nationwide-having-hard.html

 

Re: Credit Card Charges being deemed to be 'fair' by OFT.

TOTAL B*LL*CKS!!!

 

OFT stated that it wouldn't get involved if CC Companies etc Charged less than £12.

That ISN'T the same as saying that OFT agreed to £12 being a 'fair' amount.

 

Personally I wouldn't involve the FSO...it is funded by the Banks itself I believe.

 

I would chase Nationwide via 1st the S.A.R. Non-Compliance Letter route.

...Then once I had ALL my unlawful Penalty Charges data, via the normal Court process to recover everything else + have something done about the Removal of the Default at the same time.

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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