Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • leighb3ta
      Problem with The Sims on Macbook

      By leighb3ta · Posted

      Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
    • Hamz909
      PCM vanishing windscreen PCN - Royale Leisure Park - W3 (London)

      By Hamz909 · Posted

      OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • FTMDave
      PCM vanishing windscreen PCN - Royale Leisure Park - W3 (London)

      By FTMDave · Posted

      OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
    • purple_rain
      Faulty Laptop returned for free fix - advised DPD house no. of neighbour/my safe space - left parcel outside - it was stolen

      By purple_rain · Posted

      @BankFodder sorry for the delay and thank you for the lengthy reply. Yes, I agree. It's a small business and the guy is very very decent. I know someone else said my priority shouldn't be worrying whether he gets shafted but I'm not here to try and screw him over because I feel like if someone behaves decently and gets exploited, they might not behave so kindly in the future. I know DX mentioned he thinks I've caused the issue by leaving multiple instructions, but I have already explained why and both instructions were to leave it with a neighbour and there was nothing advising the driver to abandon the parcel on my doorstep. I don't think leaving it there could be considered a safe place.  I am still waiting on the retailer to respond. Ultimately, I wanted to know how he would proceed if DPD's response isn't favourable. I am certainly not looking to cause any problems. I just want my laptop. I will read the other posts for sure. I've been a bit preoccupied with family stuff. I have nothing in writing from DPD as I phoned them, but they did advise it should be the retailer that liaises with them. I tried contacting the driver straight after deliver via Whatsapp, as that's an option, but it said I couldn't send him a message and I have kept that log. We all know who took the parcel on our street, because that person has a history of parcel theft, but I don't have a doorbell camera or cctv. Police are refusing to intervene, despite the fact that I, along with several other people, spotted another's neighbour's parcel in said "suspect's" car and confronted her to get the parcel back. If the police had acted sooner, I might have had a better chance of getting the parcel back, but I suspect the laptop has long been sold on.  When the retailer responds, I will send him the link to this thread. Hopefully, he will benefit from the information on here as well.
    • purple_rain
      Faulty Laptop returned for free fix - advised DPD house no. of neighbour/my safe space - left parcel outside - it was stolen

      By purple_rain · Posted

      @dx100uk none of the instructions advised them to leave the parcel on my door step and without such instructions., I'm struggling to see why they think it's ok to just dump it there.

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Nationwide V Ian

mescalero

By mescalero
in Nationwide

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6230 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

Muffintop

Muffintop

Posted
Posted

Hya Ian,

 

Im around 14 days into my court time of 28 days for them to file a defence,thats what they will do, be warned though I did set up another account BUT I didnt reckon onthe Nationwide taking my overdraft away at this stage and asking for it all back within 7 days or they would charge me a daily rate of henious interest. I dont know if they can do this but think that as the account went around 10p over its limit they have the right to cancel the whole overdraft. I think that if you overstep the mark at all on the account they come down on you like a ton of bricks. I was very worried at this stage as I have four accounts with them and claiming on all of them, but went to the HALIFAX today and set up a new account with them where they match your current overdraft therefore can pay back Nationwide and just pray that I dont loose.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites
Rooster-UK

Rooster-UK

Posted
Posted

If you follow faithfully, the well tried and tested route that we recommend, you WILL win.

 

Spend a few days reading the FAQs and the step by step guide in the library section. That will answer most of your initial questions.

 

Good luck.

Regards, Rooster.

  • Haha 1

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites
Varangian3

Varangian3

Posted
Posted

skeggs

 

All overdrafts are repayable on demand, so its a high-risk strategy to always run high with one. Because there's no formal agreement, they don't need an excuse like you going over limit, they can do it for anything at any time.

 

Unlike closing an account because you are claiming (punitive action against an agreement), I don't think you have any right to claim unfairness with an OD as its a very 'informal' agreement.

 

It will be interesting to see if this becomes a common strategy to try to deter people from claiming. My court claim is about to go in. My account doesn't go over, although I run a high OD level, and I pay in a big salary every month. Watch this space:D

 

Varangian Guard

  • Haha 1
Link to post
Share on other sites
Muffintop

Muffintop

Posted
Posted
skeggs

 

All overdrafts are repayable on demand, so its a high-risk strategy to always run high with one. Because there's no formal agreement, they don't need an excuse like you going over limit, they can do it for anything at any time.

 

Unlike closing an account because you are claiming (punitive action against an agreement), I don't think you have any right to claim unfairness with an OD as its a very 'informal' agreement.

 

It will be interesting to see if this becomes a common strategy to try to deter people from claiming. My court claim is about to go in. My account doesn't go over, although I run a high OD level, and I pay in a big salary every month. Watch this space:D

 

Varangian Guard

I thought I was being really clever by opening a new account with Halifax who would match the Nationwides overdraft but Im beginning to think by information that Im reading that the Halifax only offer to match the overdraft for enough time for you to go over to them, they then make you cancel your existing account. If I close my Nationwide account whilst in dispute over the money wont this mean I wont get it back as they wont pay it into my account?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites
Varangian3

Varangian3

Posted
Posted

I'm claiming againts several closed accounts. This just means that they send a cheque rather than paying straight into an account of theirs.

 

The problem with closing the account prematurely is that you need to clear the OD first. Always better to try to kep the account if you can, and no problem having several, although they all like to be your only bank (and always have).

 

At the end of the day all the banks are as bad as one another, so don't trust any of them. The Ethical Bank (Coop) and the building societies (like Nationwide) are just as bad. They're all drunk with greed at the success they've enjoyed for so long conning money out of struggling people through their unlawful charging. Now their time has come. :D :D :D

Don't have any scruples when dealing with any of them;)

 

Varangian

Link to post
Share on other sites
Muffintop

Muffintop

Posted
Posted
I'm claiming againts several closed accounts. This just means that they send a cheque rather than paying straight into an account of theirs.

 

The problem with closing the account prematurely is that you need to clear the OD first. Always better to try to kep the account if you can, and no problem having several, although they all like to be your only bank (and always have).

 

At the end of the day all the banks are as bad as one another, so don't trust any of them. The Ethical Bank (Coop) and the building societies (like Nationwide) are just as bad. They're all drunk with greed at the success they've enjoyed for so long conning money out of struggling people through their unlawful charging. Now their time has come. :D :D :D

Don't have any scruples when dealing with any of them;)

 

 

Varangian

Ha ha and I was so trusting that they were doing the best for me.... thanks v much, oh ok, game on with Halifax account being opened as hibrid account, though, (not overly impressed with the service of Halifax, would have been much easier to stay with Nationwide expecially as they are privatising shortly after all the years I have had the account and now wont get anything) thanks for your advise

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites
Houndy

Houndy

Posted
Posted

I dont suppose it is in their interest to demand the overdraft back until after they have paid out because they would hope that the payout would clear it. I have heard that they pay out and immediatly tell you that it is withdrawn.

Link to post
Share on other sites
Varangian3

Varangian3

Posted
Posted

Nationwide seem to have generally stopped closing accounts last month. Instead they send a letter after payout saying you can keep the account as long as you are a good boy/girl and stick to the terms and conditions. I think they realised that they couldn't defend this against all the complaints, but also they were losing customers for nothing.

 

I've not picked up that they are withdrawing ODs, as that would obviously be likely to drive people away who might otherwise stay with them. However, they (like all the banks) are capable of anything, regardless of how stupid or counter-productive that can be.

 

The important thing is to be sure that the claim will exceed the OD or they will have you trapped if you still need it. I'm working on the assumption that after payout I will be OK to manage without using it again until I see what happens long term.

 

Let's see what happens ;)

 

Varangian

Link to post
Share on other sites
Muffintop

Muffintop

Posted
Posted
Are Nationwide privatising?

 

I hadn't picked this one up

 

I read last week that they are merging with Portman and there would be payouts, Iv kept this accounts for years in the vain hope I may one day get some shares, If I close my account or they close it for me then I will loose this possibility. More to the point I have to pace myself before I take action on the other two accounts as Iv got two claims on the go at the moment and will start getting in a right mess if I do them all at the same time.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites
Muffintop

Muffintop

Posted
Posted
I dont suppose it is in their interest to demand the overdraft back until after they have paid out because they would hope that the payout would clear it. I have heard that they pay out and immediatly tell you that it is withdrawn.

Houndy its definately in their interests to demand the overdraft money back as they will charge me a humungus amount of daily interest if they dont get it!they can get back at me that way for having the audasity of taking them to court, and Iv got to find 4k to give em back.The od amount was the amount I was claiming back

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites
dokie

dokie

Posted
Posted
I read last week that they are merging with Portman and there would be payouts, Iv kept this accounts for years in the vain hope I may one day get some shares, If I close my account or they close it for me then I will loose this possibility. More to the point I have to pace myself before I take action on the other two accounts as Iv got two claims on the go at the moment and will start getting in a right mess if I do them all at the same time.

hi.

I heard a show on bbc radio earlier this week discussing the said merger,

but unfortunatly for us the only the portman customers will be getting the windfull and it will only be around £200. They did`nt give a reason for the nw customers not getting any cash ??

Link to post
Share on other sites
Muffintop

Muffintop

Posted
Posted

ahh that makes me feel marginally better at leaving Nationwide after all these years

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites
Muffintop

Muffintop

Posted
Posted

For the life of me I cannot work out how to start a new thread! have been able to reply or pm but just cant seem to start a thread can someone walk me through it pse, need the support of this site to get through the two court cases and gain some experience skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites
Varangian3

Varangian3

Posted
Posted

Folks

 

Here is some info on the merger

About Nationwide - Latest News

fom Nationwhine's own website.:eek:

It appears that Portman BS (anyone ever heard of them before?) are effectively being taken over, so their people (ie probably the savers) will get a small payout. Nationwhine members don't becuase its not them being taken over. Does that make sense? I wasn't sure either.:???:

There is a gushing commitment to mutuality, so there seems to be no prospect of privatisation here.:grin:

Varangian Guard

Link to post
Share on other sites
Muffintop

Muffintop

Posted
Posted

G8 Iv hung onto accounts for over ten years because I believed one day they would privatise and I would get a payout, now they are getting rid of me because Iv had the nerve to taken them on, scared witless though!

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites
  • 2 weeks later...
mescalero

mescalero

Posted
  • Author
Posted

hi skeggs you are much further on than me i still waitin for statements after 22days but they still aint cashed my cheque,i wonder if i messed up as i sent request recorded delivery to my branch which they signed for,what do you think should i ring em?

Link to post
Share on other sites
mescalero

mescalero

Posted
  • Author
Posted
hi skeggs you are much further on than me i still waitin for statements after 22days but they still aint cashed my cheque,i wonder if i messed up as i sent request recorded delivery to my branch which they signed for,what do you think should i ring em?

hhhhhhhhhhhhhh

Link to post
Share on other sites
MilkTrayMan

MilkTrayMan

Posted
Posted

Hi mescalero!

 

Chill...They have 40 days to supply your Data!...:cool::)

 

Why U didn't send your request direct to the Data Protection Team @ Northampton only U know?!

Don't worry, your request will get passed on to them via Nationwide's internal mail system.

I shouldn't bother about ringing them.

U won't have tangible proof of what they tell U, if they are economical with the truth and U have to take them to Court to comply.

 

Here's a link for U to look at if U are panicking about if the worse happens...

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

  • Haha 1
Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...