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    • 1. Cabot and old sav credit card debt.. looks like for years he was scammed by clarity credit management out of money. Nothing new there, thats all rhey ever did. No signed agreement, no nothing to prove the debt. Sav credit would never have had a signed agreement. Card will be 80's era if not close too. Unenforceable!!   2. Natwest duo MasterCard..now rbs..cabot. No signed agreement. unenforceable.   3.  An mbna card from about 1999/2000 idem dca scammers no signed agreement unenforceable   4. Some kind of lloyds credit card, with idem. Theres a signed application form but that does not meet the requirements as there are numerous prescribed terms on that missing . Unenforceable.   5. Some kind of rbs secondary? finance no idea what, no agreement. Unenforceable.   pers id be totally ignoring them on all those. just because he got cash cowed for far too many years running the sb date to infinity, makes no odds to any of them.   old school..got had blind from day one, aided and abetted by yet again one of the so called charities, there to help..not!!   Dx    
    • Djokovic may not be able to defend his French Open title this year, according to the sports minister. I thought one of their ministers, can't remember who, might have said otherwise during the problems in Australia but this doesn't sound unreasonable.   Djokovic’s French Open title defence in doubt after Covid pass ruling | Novak Djokovic | The Guardian WWW.THEGUARDIAN.COM France rules all athletes will have to be vaccinated for sports events while French MP Stanislas Guerini says Novak Djokovic’s behaviour is...  
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    • Hi.   On the spreadsheet, the interest payments only stopped in July 2019, I have not paid anything to them since 2011.   CT is claiming that all deadlines to pursue a claim with the Ombudsman has long passed including the original claim for PPI to pay for the loan when off work due to ill health.   The National Debt Line said I should ensure that I can provide the 'exceptional circumstances' why any deadlines should be ignored and they stressed would be key to the Ombudsman accepting the claim as valid.   This backs up what CT are saying, no point in looking at your cliam further as the deadlines have passed - NOT with 'exceptional circumstances' it hasn't.   My claim is for:  1. My mental health condition at the time the claim was made (they can not say they weren't aware of that as they refunded £1700 insurance fee).   2. When a PPI claim was made, they never really dealt with it but updated the credit file from 2013 to 2019 as 'settled' therefore I would be right in presuming the dept was in fact settled, they wrote on my credit file it was.   3. They then updated the file in 2019 with missed payments and added a long term debt of £24k to the file, which they refused to change in 2019, but did change in December 2021, all of which I have screenshots of.   This caused me issues with credit as the score had flatlined for over two years until they did change it.   4. CT was deploying a deliberate attempt to 'buy time' to take me past the past six years deadline. After a long chat with Ombudsman, they have said my reasons for 'exceptional circumstances' are realistic and should be made as part of my claim.   5. My claim is for all of the 24k to be statute-barred/outstanding debt denied.   6. I am also seeking compensation for none payment of PPI and making it a condition of the loan acceptance and compensation for unlawful credit file entry causing considerable problems with seeking even simple basic credit such as mobile contracts. The claim is now with the Ombudsman and as long as I can overcome any issue with time limits, I will be fine and looking forward to nailing them to the rafters.   I have received an email from the Ombudsman saying the claim has been received.
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Dingwalldemon v Nationwide **WON**


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Sent prelim letter on the 05/april/07, 14 days ago, however when i tracked the letter i noticed that they did not receive it untill the 10th.

Should i wait 14 days from the 10th before i send my LBA or just send it now?

All advice appreciated.

Oh im claiming £7043 but the've just hit me for another £350!, should i add this amount into my LBA as well? if so how would i word the amended amount.

Using templates from this site.

:)

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hi dingwall, welocme to cag please be sure to read the faqs, this is a very large site where you will find all the halp and information regarding you claim, any questions you have be sure to post and someone will come along and answer your questions.

 

yes wait until 14 days after they have received letter before you go on to next stage, you can add on any charges incurred right up until you file for court, when you send your LBA just add the extra charges on and amend the total on your schedule of charges send this along with your LBA. best of luck . 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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Well 14 days has passed and surprise surprise no reply to my prelim letter requesting my charges back.:mad:

Anyhoo i've printed of my LBA been to the post office and sent it recorded delivery.

Even though its only the LBA, theres a slight sense of satisfaction that your not prepared to take their cr*p anymore!

Oh well another 14 days before i get the pleasure of submitting my MCOL !!

 

GIMMIE MY £7043 BACK!!!!!!!

 

:)

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  • 2 weeks later...

Well they have actually aknowledged me this time with the basic get stuffed letter blah blah blah.

Should i wait till the 9th of May before isuuing MCOL or go for it now?

(9th of May will be 14 days from date recorded letter was signed for)

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  • 1 month later...

Just an update to let you know whats happening.

Decided to go down the Financial Ombudsman road initially as my butt was getting a bit twitchy after Lloyds winning a case!.

Have had 2 letters back so far, the first acknowledging reciept of all the information and last week i got one saying my case was awaiting allocation.

Anyone else in the same situation or had experience of how long they take?

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  • 2 weeks later...

Letter received today from the FO saying that they have contacted The Nationwide instructing them to make an offer which meets my claim in full or provide them with information which would reach a conclusion on the merit of my claim.

They have six weeks to reply.

Hopefully something soon!

Fingers crossed.

Anyone else in the same boat?

:)

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Letter arrived from the F/O this morning stating Nationwide do not believe their charges are unlawfull however are prepared to pay me £7368 to end the dispute! HURRAH I WIN!!!! Got to sign an acceptence letter from the F/O and return it to them, they say money should be paid within 6 weeks of acceptence.

So the question is do i sign the acceptence form?

£7368 tax free

Deal or No Deal?

DEAL DEAL DEAL!!!

Thank you Mr Banker, LOL

:-)

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CONGRATULATIONS

Can we ask you to take a minute to fill in our survey and if you could PM me with your claim number so I can change your thread in the litigation forum , thanks

 

Can we please ask you to consider a donation to the site as every little helps to keep this site going and also used for the benefit of all users ie Hull and new POC's ( available soon )

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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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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if you could PM me with your claim number so I can change your thread in the litigation forum , thanks

 

I did read your post saying that you had used FO but I am that use to asking for the claim number I just automatically asked , Sorry :)

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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I would read up + try to understand the arguments for Claiming CONTRACTUAL INTEREST, if U have another similar Claim!...lol...:D;)

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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Yes i agree you should be able to claim contractual interest, the bank do it to us.

What i would say about my claim from start to finish was that it was hassle free. I recommend using this route if you are worried or dont feel you could handle a court case. It is also an excellent route if you live in Scotland due to the small claims system restricting your claim. You can also claim 6 years and not 5 through the ombudsman if you live in Scotland like me.

Also this site has been an absolute goldmine of information, there's a lot of different stories and tactics been used. I would say sit down work out what u want, how your going to go about it and most importantly of all... don't get stressed! You will get what is rightfully yours in the end.

:)

P.S Do the right thing when you win and donate to this site, it is an inspiration to us all and a goldmine of information, lets keep it going. Lets hear a big cheer for the little man when he LEGALLY robs a bank.

 

REMEMBER A BIT OF COMMON SENSE GOES A LONG WAY IN THIS WORLD!

  • Haha 1
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Letter received today from the FO saying that they have contacted The Nationwide instructing them to make an offer which meets my claim in full or provide them with information which would reach a conclusion on the merit of my claim.

They have six weeks to reply.

Hopefully something soon!

Fingers crossed.

Anyone else in the same boat?

:)

 

Well Done,

 

Im in the same postion as you, had the above letter on the 28th June so just awaiting an offer really

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  • 2 weeks later...

Suprise suprise chuck! Nationwide are now withdrawing my £500 overdraft despite them being aware that the account was in dispute and agreeing to hold everything off until the 15th Aug. Letter received today. Petty retaliation if u ask me!

Screw them i had no intention of leaving my money in an account with them anyway.

:lol:

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