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    • I received the Ombudsman’s decision and then I had the opportunity to ask for a review on this decision and the review I received was from another person who is also an Ombudsman. Is this the Adjudicator without actually being called as such?   Here is some of the text explaining why they cannot help. -thank you!   Why I can’t look into this complaint We can’t consider every complaint that is brought to us and operate under a set of rules known as DISP which are set by the Financial Conduct Authority (FCA). Those rules, as the investigator has explained, say we generally can’t consider a complaint brought to us more than six years after the event complained of, or if later, three years after a complainant knew or ought reasonably to have realised, they had cause to complain. There is no dispute here that the event complained about took place at the end of 2010 and so I’m satisfied that was more than six years before the complaint was brought. It follows that I find we can’t consider this complaint under the first part of our rules. I have looked carefully at when Mr and Mrs N did know or ought reasonably to have known that they had cause to complain. I’m satisfied that a large payment of over £90,000 was paid into Mr and Mrs N’s account in September 2010 that appears to be from a property sale. I can also see from the account statements that in October 2010 the disputed transaction took place which took the account balance from about £74,000 to about £44,000. And that the account was in regular use before and after the transaction including a number of cash withdrawals. So, on balance I’m satisfied that Mr and Mrs N ought reasonably to have been aware at the time of the transaction that they have cause to complain. I say that as I think they would have received regular account statements and it was up to them to manage their account. I also think they ought to have noticed at the time or at the latest within the six years following the withdrawal that £30,000 was missing from the account. I find that the second part of our rules don’t provide a longer period for this complaint to have been brought. I can consider a complaint outside of the time limits if I find there were exceptional reasons why a complaint couldn’t have been brought in time. I have read about Mr and Mrs N’s health and other difficulties over the last 10 years. But I don’t think those problems amount to an exceptional reason or would have prevented a complaint being brought in time. I appreciate Mr and Mrs N questions if the Limitations Act provide them with a longer time period to bring a complaint, but as I have explained we operate under the DISP rules. I appreciate Mr and Mrs N will be disappointed by my decision, but I think this brings an end to what we in trying to sort out this dispute informally can do. My decision My decision is that this complaint has been brought too late for us to consider. David Singh Ombudsman    
    • Perfect, I’ll get the letter sent tomorrow.  Another update though, I have just received a text from them! I don’t know how they would have my number!  26/01/22 17:03   Due: £170.00 You have not responded to our Pre-Action letter. Please visit bit.ly/gsl-pay or call 01565 755088 to avoid Court action. Quote Ref: XXXXXX
    • Nobody's any the wiser about when the Gray report is being released. Robert Shrimsley of the FT has a Twitter thread about how he would organise it.    
    • Okay thank you. At the moment I’m looking into many different career prospects, such as tech, cybersecurity, even considering teaching. 
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valhala vs Nationwide


valhala
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Hi All,

 

 

Well I started my claim with this bank a few weeks ago. I have only banked with them for a year so I did not bother writing for statements, if you have netbanking you can see the list of charges for free on your online statement. mine came to £180.

 

Not a large amount but they still intend to defend it. I sent the usual letters and then started my moneyclaim. I got a signed form from a Mr Bacon saying Nationwide intend to defend the whole claim and they have the 28 days.

 

well since getting that I have not heard anything back, the 28 days are upp next Tuesday, it seems common that they leave it till the last minute or hopefully I will win be default?.

 

 

Anyway since I started this claim a further £150 have been added to my account in charges for (5x bounced payments) It was my fault although I thought I had canclled the payments. I emailed them this and I recieved a letter that they have refunded £30 as a goodwill gesture. Anyway I am not saying anything untill my current claim is sorted but is it likely I might have to start a new claim for this or if I win this current one they might just wipe it??

 

Another weird thing has happened, As of this week I have been unable to access my internet banking, very strange indeed. I think they are messing with my mind :grin:

 

ill keep you posted

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Hi valhala,

You will most probably receive a letter saying you are not entitled to a refund but keep an eye on your account and you will be paid.I also received a refund of charges pending so you might get that back as well.

Keep the faith.

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Hi All,

 

 

Just checked my bank account and I have had a CN(think that means correction) for £180. the 28 days given on the moneyclaim form expries on Monday so I am assuming this is something to do with that, however I was claiming back £225 with court fees and interest so if this is something to do with that I don`t know what they are playing at.

 

 

Anyway maybe ill have a letter or something when I get home tonight.

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Hi Valhalla,

 

I think you can safely assume its the beginning of the end. Congratulations!! The separate amounts that they pay in don't always equate to defineable amounts like claim, interest and costs. I think this is so that it would be difficult to confirm that your 'correction' was indeed a refund and that you won your case. Bless NW. They hate to admit that they were wrong. :rolleyes:

 

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 Valhalla,

 

I think you can safely assume its the beginning of the end. Congratulations!! The separate amounts that they pay in don't always equate to defineable amounts like claim, interest and costs. I think this is so that it would be difficult to confirm that your 'correction' was indeed a refund and that you won your case. Bless NW. They hate to admit that they were wrong. :rolleyes:

 

K.

 

 

hiya,

 

 

yeh I have had two seperate payments that come to what I am owed :grin:

 

 

However about 12 days ago I was charged again for stuff that happened before this claim(I forgot about these charges). just wondering what you think I should do now, it totals about £120. surely I don`t have to go through all this again!

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surely I don`t have to go through all this again!

 

Don't you like white knuckle rides? :p Yep, hit them again. Just bear in mind that your parachute account is likely to get some use. You could wait to see if you incur any more for a bigger claim, but things are constantly changing. I'd get it done.

 

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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