Mecanician Vs Nationwide ***WON***

[Mecanician]

Hi guys

Can I first say a big hello and thank-you to the CAG website, who without you I would not be pursuing my claim against Nationwide`s unfair bank charges.

I have been a “loyal” customer for 12 years having my wages paid in my flex account .However I am paid every 4 weeks so my pay day each month moves throughout the year which is a big problem when it comes to direct debits & standing orders which go out on a fixed day in the month as much as I tried I never seemed to have enough money to cover all the monthly direct debits spread throughout the month and of course Nationwide were very helpful when I complained about the unjust charges & how they can reject a DD for £28.00 when I had £26.80 in the account but charge Me £30.00 and then £20.00 for an unauthorised overdraft. I have just submitted MCOL on the 25/04/2007 after receiving 2 bog standard letters fobbing Me off after sending both the preliminary approach letter & the LBA I have followed this site advice and feel that I am not alone ……..thanks again

“All the power in the hands of the people rich enough to buy it while we walk the streets to chicken to even try it”

[Rooster-UK]

Hi Mecanician.

 

Spend some time reading the FAQs and ther step by step guide in the library section. You will find a wealth of useful and essential information there.

The more you know, the easier your claim will be.

 

Good luck.

Regards, Rooster.

[Mecanician]

Hi Guys

Just a quick follow up received a notice of issue stating that my claim was issued on 26/04/2007;the defendant (Nationwide) has until 15/05/2007 to reply.

Received today 10/05/2007 “Notice that Acknowledgment of service has been filed”

However I did not receive a copy, & the letter had a line through the passage “a copy of which is attached” is that normal?

The defendant (Nationwide) now has 28 days from the date of service of the claim form to file a defence (fingers crossed now)

Can anyone tell me is the date of service the date the claim was issued (26/04/2007) or the date is was deemed to be served on?

Will let you know what happens next

Regards

Mecanician

[Mecanician]

Hi

Just wondered if anyone could give me some advice?

I filed a claim against Nationwide on 26/04/07 via MCOL I received a notice of issue, which states the claim was deemed to be served on the 01/05/07.

I then received the acknowledgement of service of my claim, stating that the defendant (Nationwide) has 28 days to file a defence, on the 03/05/07.

Since then I have received nothing, no information from the court that Nationwide intends to defend, no letters from solicitors or Nationwide. I have checked my bank account everyday but nothing has been refunded as of today (24/05/2007).

Is there anything to worry? About only claimants against Nationwide all have a different story to tell.

[Mecanician]

WON TODAY!!!!

I’ve just checked my account tonight (24/05/07) at 23.00hrs and Nationwide have paid into my account the amounts of £999.99

+ £999.99

+ £999.99

+ £999.99

+ £939.54

+ £298.97 (I think these are my court fees) :o

+ £999.00

Grand Total £6237.47 this is the correct amount plus cost and interest that I claimed.

So far though I have had no correspondence from Nationwide or their solicitors regarding, my claim against them. I don’t know what Nationwide`s intentions might be now whether I will have to close my account with remains to be seen, what I have done is more or less closed the account myself, with all my wages being now paid into another account with the Halifax, and with some of the money that was paid into my account tonight paid off my overdraft.

Now I take it is my responsibility to inform MCOL (Northampton County Court) that is my next point of call tonight.

I feel I must thank everyone connected with CAG without you guys, and all the people in the Nationwide forum, I don’t think my claim would have got of the ground!

And although I did not subscribe many posts I read many!

Once again Thank-You

[Rooster-UK]

Congratulations.

[libby21]

Well done mecanician.... My claim was acknowledged on 9th May with intent to defend. Have heard nothing so far. You were paid out 21 days after acknowledgement I think? That makes it 30th May for me maybe, however I've got a feeling Ill be one of the unlucky ones whose claim actually goes to a court date! Fingers crossed for me, and congratulations to you again:)

[Ackers]

Libby. Also recieved my acknowledgement of service on the 9th May stating Eversheds would be defending my claim. Have since sent them a scedule of charges as well as sending the court a copy. Getting nervous. 12 days to go. Keep checking my bank account every two hours just in case. Why do I get the feeling it will be me having to stand up in court ?? Good luck with your claim !!

[ngaugeneil]

brilliant! dont spent it all at once;)

:)I hope i am that lucky??

[xjrandy]

Now I take it is my responsibility to inform MCOL (Northampton County Court) that is my next point of call tonight.

 

No need to do anything yet - you'll get a letter from the court stating that NW's defence is that they have paid in full - there's a box to tick to say you're happy and don't want to take things any further. Do that and send it back to the court and it's all done..

 

Well done!

 

Andy

[tugs1403]

Hi All, we have been reading this forum for quite a while and finally plucked up the courage to take the Nationwide to court having had what sounds like the usual 'fob off' letter from our first and second letters we sent them together with the spreadsheet of bank charges and interest.

 

We issued the claim through Moneyclaimonline on 10/05/07 and received a notice of issue a few days latter, stating it would be deemed as served as of 15/05/07, then on 15/05/07 we received an acknowledgment of service and Eversheds LLP are intending to defend all of the claim. Two questions (1) does this mean they have 28 days from the 15/05/07 to put in a defence and if not will they have to pay up before 12/06/07. (2) Do we have to do anything else at this stage as 'Ackers' has confused me a bit by stating he has sent the court a copy of his schedule of charges. Do we need to do this as well or will the copy the Nationwide has been sent suffice.

 

Like everyone else now since the Lloyds verdict we are very nervous and just know that we will be the next ones to lose..!

[Ackers]

Hi tugs1403 (anything to do with tugs cause I work for a tug company ?). Reason i sent a schedule to the court and to Eversheds was because i read in another thread that MCOL send all details onto a local court near to you. Thread read that it was better for them to have the information at hand otherwise Nationwidecan claim a further 28 days i believe even though you will have sent them a copy of your schedule previously. Hope this helps. Recieved my acknowlegement of service on 09/05 so counting down the days until 06/06. Your 28 days started on 15/05 so you are 6 days behind me. Good luck !!!!!!!!!!!!!!!!!!!!!

[pestrick]

congrats mecanician. Your a star. I'm well pleased to see they have paid you out AFTER the berwick case and that it may still be their intention to pay (on the 28th day or before) using the same tactic, writing to the court saying they have satisfied it etc but debarr you from any more claims. I have issued on 17th May. I am waiting for a defence if they are going to issue one, at the moment its just acknowledged. I think they have until 14th June to defend if not i'll go for judgement but judging by the sound of things the money just goes in the account. funny thing is the account that had the charges has been closed for ages (I do have a savings acct with them, i suppose they could put in there) if not a cheque'll do nicely. Do you mind posting what their defence was, on there please so I can get ready to pick my holes in it?

[Mecanician]

congrats mecanician. Your a star. I'm well pleased to see they have paid you out AFTER the berwick case and that it may still be their intention to pay (on the 28th day or before) using the same tactic, writing to the court saying they have satisfied it etc but debarr you from any more claims. I have issued on 17th May. I am waiting for a defence if they are going to issue one, at the moment its just acknowledged. I think they have until 14th June to defend if not i'll go for judgement but judging by the sound of things the money just goes in the account. funny thing is the account that had the charges has been closed for ages (I do have a savings acct with them, i suppose they could put in there) if not a cheque'll do nicely. Do you mind posting what their defence was, on there please so I can get ready to pick my holes in it?

Hi pestrick

Hope your claim goes the same way as mine.......

I recieved the letter from Northampton Court (MCOL) 02/06/07 which states "Notice of defence that amount claimed has been paid" and stapled to the letter is a photocopy of form N9b in which states "charges totalling £4939.50 + cost + intrerest were refunded on 24/06/2007" and in section 5 "the defendant believes that the facts stated in this form are true.I am duly authorised by the defendant(Nationwide) to sign this statement.Eversheds LLP (solicitors)

I hope this is some help

Regards

Mecanician

[pestrick]

Sounds good. What date was this though? that they paid out? and what date did you issue? Eversheds are on the case on mine too. Did they put the money in your account? did they pay on the 28th day due when they were due to enter the defence?

 

Thanks.

 

Pestrick

[tugs1403]

Hi tugs1403 (anything to do with tugs cause I work for a tug company ?). Reason i sent a schedule to the court and to Eversheds was because i read in another thread that MCOL send all details onto a local court near to you. Thread read that it was better for them to have the information at hand otherwise Nationwidecan claim a further 28 days i believe even though you will have sent them a copy of your schedule previously. Hope this helps. Recieved my acknowlegement of service on 09/05 so counting down the days until 06/06. Your 28 days started on 15/05 so you are 6 days behind me. Good luck !!!!!!!!!!!!!!!!!!!!!

 

Hello Ackers

 

Sorry Different Tugs, Just wondered if the Nationwide have paid out yet.. 6 days left for us.

 

Good Luck

[Ackers]

No nothing yet ! No money in account and no defence lodged with MCOL. Been reading a few threads and it appears Nationwide may have changed tactics. Successes seem to be getting few and far between ! Peaple are getting to 28 days are hearing nothing. Wonder if its because they know MCOL may have a backlog ?? Any views would be appreciated !!

[ngaugeneil]

No nothing yet ! No money in account and no defence lodged with MCOL. Been reading a few threads and it appears Nationwide may have changed tactics. Successes seem to be getting few and far between ! Peaple are getting to 28 days are hearing nothing. Wonder if its because they know MCOL may have a backlog ?? Any views would be appreciated !!

 

 

HI Ackers

my 28 days are up on the 18th June 2007.

I have not heard of any delaying tactics as yet by Nationwide

But i will keep eyes & ears open & will keep you informed:D

GOOD LUCK WITH YOUR CLAIM!!!!

[tugs1403]

No nothing yet ! No money in account and no defence lodged with MCOL. Been reading a few threads and it appears Nationwide may have changed tactics. Successes seem to be getting few and far between ! Peaple are getting to 28 days are hearing nothing. Wonder if its because they know MCOL may have a backlog ?? Any views would be appreciated !!

 

Hi Ackers

Yesssssssssssssss..... we are under way.

Our 28 days aren't up unill the 12th but have just checked our account to find £3789 has been paid in 7 varying amounts from £55 to £999. This totals the amount of our charges - BUT - hasn't included the interest or costs yet.. But hey !!! 5 days to go yet... Happy days.. Thanks for your advice and support... we will just wait and see what happens over the next few days.

 

I see on another thread that you have had your monney as well - Congratulations..