Tommysjunk vs Egg/Nationwide

[tommysjunk]

Hey all, im new to this forum, must say great site, plenty of good advice.

 

im in the process of claiming back charges from both Nationwide and Egg credit card. Egg owe me £180 and Nationwide £840.

 

I received a letter from nationwide basically telling me to clear off, and egg offered me £35 and said it was a good will offer.

 

My next step is to claim through the courts, im from northern ireland, do i use the northern ireland court service or use the uk one in regards to the n1 form.

 

Would i be best sending another letter to the banks and telling them im going to the small claims courts or just send them a copy of the n1 form?

[Michael Browne]

Would i be best sending another letter to the banks and telling them im going to the small claims courts

If you have only sent the preliminary letter , you should send the LBA first:

3. Letter before action - Consumer version - asking for it back

 

do i use the northern ireland court service

Since your calims are well within th NI small claims limit, I don't think there's any advantage to filling in England. See here:

Northern Ireland Small Claims Guide and new NI online claims service

[Janet-M]

Welcome to CAG

 

I will move this to the Egg forum can you also start a thread in the Nationwide forum for that claim .As you need one thread for each claim

[Mistermind]

Tommysjunk,

 

In recent months Egg have become so reasonable that you may not need to go down the legal route. Make sure you have 6 years statements and itemise you unlawful charges plus Contractual Interest if you are claiming it.

 

Egg will go through the ritualised step of sending you one letter defending their charges and mentioning their reduction and refund towards OFT threshold figure of £16.

 

There are 49 proven successes and template letters to refute this, e.g. crib moc1982's letter on V-E Day thread page 4, posting #61. Recent experience shows you will get paid in full just like that, including 8% Statutory Interest even when not requested. The fastest settlement took less than one week, two weeks is common, so long as you follow the proven route. I would not have thought N.I. makes any difference.

 

It saves both sides time and money, and Egg are commended for this.

[tommysjunk]

I won! they are giving £180!

[Mistermind]

Well done, Tommy is not junk.