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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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crufts v nationwide round 1


crufts
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I have made the decision so am sorting out my reading on this site and sending the SAR tomorrow. I feel a sense of outrage - many of these charges were incurred as a result of a problem from one nw account to another (a savings account). I was not even sent a letter informing me of the problem. Is that suppose to be a service? Its time we went back to the days when banks treated their customers as exactly that - not just as a business opportunity! Wish me luck!

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Good for you.

 

Post any questions and progress reports on this thread. Help won't be far away.

 

Regards, Rooster.

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Many thanks MTM.

 

I'm reading the site while I wait for list of charges. What is a 'cleared transaction charge'? And just an observation, but its quite tricky to find all the different abbreviations used - like LBA and MCOL. I have found most now but thought perhaps it might be useful, especially as all this is a bit daunting to start with, to have those listed at the beginning to aid initial confidence!

 

Regards and thanks again.

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Hi crufts!

Many thanks MTM...just an observation, but its quite tricky to find all the different abbreviations used - like LBA and MCOL. I have found most now but thought perhaps it might be useful, especially as all this is a bit daunting to start with, to have those listed at the beginning to aid initial confidence!
I tell U what...I'll let U know what LBA + MCOL etc stands for

...If U tell me what MTM stands for in return?!

 

Like U, I've looked + looked, but can't find the answer anywhere!...lol...:-D

...Everyone else seems to know except me!...:(

 

 

It is hard enough to get NEW Claimants to read the bold red FAQ's - READ THESE FIRST Thread on the Forum Front Page before they start jumping in at the deep end with their Claim.

 

Personally, I would like to think that, NOT actually knowing some of the abbreviations commonly used, might slow them down a little and cause them to proceed more carefully with their Claim?!

...Sometimes it works...Sometimes it doesn't!!!...lol...:D

 

Feel free to Post your suggestion on a NEW Thread in the following Forum though...

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/

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...I'll let U know what LBA + MCOL etc stands for

...If U tell me what MTM stands for in return?!

 

Like U, I've looked + looked, but can't find the answer anywhere!...lol...:-D

...Everyone else seems to know except me!...:(

 

Feel free to Post your suggestion on a NEW Thread in the following Forum though...

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/

Oooops...Too late, by approx ONLY 8months!...:eek:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31476-glossary-abbreviations.html

...Now I'll NEVER get to find out what MTM stands for?!...:(

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Sorry, just trying to be useful..... perhaps I should keep my thoughts to myself until I have a vague idea of what I'm talking about! Trouble is I'm seeing things from my point of view I guess. I've known about the idea of claiming back charges for at least a year and have read lots of press reports on it but have not felt able to take on a bank - I was brought up not to argue with people like doctors, lawyers and bank managers! I have also been on this site for months before I actually wrote anything - but I s'pose once you start you can't stop. So I need a shove rather than a slow down....Anyway, I have now PRINTED OFF all the step by step instructions for easy reference. I've read several threads from start to finish and it all sounds terrifyingly stressful and I'm already waking up early with all my arguments as to what I'll say in court going round in my head. And all I've done is send an SAR to Nationwide - the lesser of the two evils. Our real challenge will be the HSBC where our main household account is in my husband's name and we have had an overdraft more or less constantly since we were students in the 70's. Bank charges taken by them over the last six years will run into many thousands. I don't know whether to write to them at the same time while my mind is fired up with all the information or wait and see what happens with the Nationwide. What would you advise? Also, I have read about the reason for taking action - but am still a little unsure as to why its possible to claim back all the charges rather than the difference between what is a reasonable charge and what is not? Sorry if that sounds stupid but I need to be absolutely clear about all of this! Probably no hope of that at my age. By the way, is there any information about how many people have actually ended up in court 'cos in says in some places that none have but there must have been some - and how many people have lost? or am I just a pessimist (can't spell that).

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Hi crufts!

Firstly...

Try not to RUN before U have learnt to WALK!!!

At the moment U are in danger of making basic mistakes cos U are thinking of TOO MANY things and imagining the process to be more difficult than it actually is.

 

If U perceive your Claim with Nationwide to be simpler than your one with HSBC, then I advise U to proceed with the Nationwide Claim 1st, before U even start thinking about your HSBC one.

 

This way, by concerntrating on one Claim at a time, your confidence will be bolstered when U WIN your simpler Claim and it will give U the strength that U'll need, when it comes to your more complicated Claim with HSBC.

Relax...U'll be fine...Have faith in yourself!...:)

P.S. U Claim for ALL of the unlawful Charges cos the Banks won't tell anyone what the ACTUAL Charges are and the Law says that no-one can profit from an Unfair Term in a Contract basically!

...i.e. How can U work out what is a reasonable Charge, if U don't know what to base it upon???!

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Right. O.K. Many thanks and you're right of course. One step at a time is always a good idea. It was my husband's fault - he hasn't gotten involved in this at all but he knows what I'm doing and he said he thinks I'm really brave - that makes me very nervous! On the plus side he did say he would come to court with me - I wonder if he'll visit me in clink if they throw the book at me?!?!?

 

Seriously, though, I thought the bit about unlawful charges was probably what it was but weren't the credit card companies allowed to levy a decreased charge of £12 on late payments - that's certainly what we get on ours now and it always used to be £25. I shall go and read some credit card threads to find out and leave you alone while I wait for Nationwide to send the info.

 

Many thanks again - I just hope I don't bottle out of this before the end; you need to be made of stern stuff don't you?

 

 

PS - and is it because the lady loves them or do you like climbing cliffs in a gale?

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  • 5 weeks later...

Just to keep this thread up to date, list of charges arrived today and I have spent awhile going through them - and they seem to tally with the statements as far as I have them - so am going to get to grips with the spreadsheet this evening and get a prelim letter done to send off this weekend. Interestingly, the very polite letter I received accompanying the charges list gave a list of "manual processes (which) may have been applied to your account in order to ensure the smooth running of your facilities" followed by about 30 services provided. It states that 'manual intervention' would have been involved, indirectly implying that these should be taken into consideration along with the charges list included. I thought there was no charge for opening a bank account!

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Another thought. I'm out of the country from 24/07 to 14/08. Would it be best to wait before starting out on the prelim letter or can I set a timetable to suit myself as long as it doesn't mean that I won't be around for any court appearances obviously.

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...I thought there was no charge for opening a bank account!
There isn't a charge for opening a bank account.

...Just charges for actually using it!...lol...:D

 

 

 

...I'm out of the country from 24/07 to 14/08. Would it be best to wait before starting out on the prelim letter or can I set a timetable to suit myself
As U can see from the timescales below, the dates that U are unavailable to attend Court shouldn't be a factor.

 

Preliminary Letter.........................14 days

LBA....................................................14 days

File Claim at Court

Acknowledgement of Service...14 days

Submission of Defence................14 days

 

Of course, U could always ask me to go on holiday in your (...already paid for) place, just in case?!

...Especially if U are due to on an All Inclusive Carribean Cruise!...lol...:D;)

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Well many thanks for your kind offer but I'm afraid it isn't as flash as a cruise, all inclusive or otherwise. Still, I hear the Carribean is over-rated at this time of year - Better off in England, if it ever stops raining.

 

So if I send my prelim letter tomoz - allow 14 days, 16/07, then send lba say 18/07 - allow 14 days - 01/08. I won't be here to file claim at court until 14/08. Does that matter?

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And does anyone know of a sure fire way to stop spam. If I get any more offers of a certain chemical beginning with the letter 'V' I'm going to start buying it and go into business myself - who needs a pension anyway?

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If you're out of the country you could always file your claim online. As Milktrayman will testify Nationwide will usually ignore any requests unless you file a claim in the courts. Although a fair number of claimants seem to be doing well using the Banking Ombudsman Complaints proceedures.

 

All the best.

 

P.S. Dont drink too much rum.

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The FSO route doesn't allow the Claimant to claim the s69 Statutory Interest @ 8%p.a....let alone Daily Compounded Contractual Interest @ 24.9% AER.

The FSO route can also take potentially longer for U to get your money Refunded.

 

Using MCOL can take potentially longer than via N1 Form cos Nationwide WILL Defend + your Claim will still have to be transferred to your local Court anyway!

 

There is also the risk that the Claimant will rush to Claim 'Judgement by Default' by the ease that MCOL allows that to happen.

Again, this will delay the Claimant getting his/her money Refunded asap!

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Many thanks for replies. Haven't managed to get to the computer for couple of days cos life's gotten difficult. We have a house in the mountains in Bulgaria which was broken into on Monday - loads of phone calls and hunting for receipts needed - and then the cam belt on our car went in the outside lane of a four-lane busy road in the middle of a major hail storm. Terrifying and horribly expensive. And today I broke one of my toes. It never rains but .......

 

Anyway, back to the business in hand. So, should I wait until I come back on 14 August to post my schedule of charges and prelim letter (all ready and waiting to go) or can I go ahead and then file the court claim when I get back (which means there will be more that 14 days between lba and filing) but will mean I am further on. I really would like to keep momentum going with this and carry on with it but my worry is that it will seem that I don't know what I'm about at all because I let too much time elapse - or could that be seen to be my decision?

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I won't have internet access in Bulgaria and would prefer anyway to use N1 form - from what I've read it seems to give you better control over things - holidays must be a common occurence this time of year so I think it might seem ok to have a slightly increased time span before filing in court - but at least I would be able to do it as soon as I get back.

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Hi :-)

 

Personally, I would send off your prelim and get things underway, it won't matter if you take slightly longer to file your claim after you have sent the LBA. You can just file as soon as you get back, i've read loads of threads on here where people have had to wait longer to file their claims because they have had to wait for pay day so they could afford the fee.

 

I'm sending my LBA tomorrow, I know its a complete waste of time with the NW, I just can't wait to actually file my claim.

 

Good luck and keep us all posted.

Speedy :-)

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Thanks speedy, just what I was thinking. It's going tomoz then. At least it will be started then cos as you said, its just a matter of waiting to get the claim filed anyway.

 

Good luck to you too and likewise with keeping posted

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Hi Cruffs!

 

Is 'Bulgaria' anywhere near the Carribean??

If it is, perhaps U might need 'all expenses paid' help carrying your luggage onboard a Cruise Ship there?!...:)

 

If it's NOT...is it in 'East Angular'??...rofl...:D

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Hi MTM

 

I know I'm going to regret asking this ....... but what does rofl stand for? Is it an island in the Pacific? If it is, then I'm up for a bit of luggage carrying myself!

 

By the way, haven't heard from NW yet - thinking about getting the SAR request off to HSBC while I'm waiting.

 

Hey, Hey, Hey its Friday

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