Jump to content


Nationwide **WON POST-OFT v BANKS**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6102 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All

 

Just typing out my letter to Nationwide as they have refused to refund the charges so am now giving them 14 days notice or will be making a claim via the courts. Very scary - anyone have any tips or encouragement!

 

Thanks

Link to post
Share on other sites

  • Replies 109
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

daniel12,

 

 

Hi and welcome to the CAG site.

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

Good luck with your claim.

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

Hi Guys

 

Well had the standard letter from the bank stating not refunding monies - so now giving them 14 days notice or will go to court - very scared - any tips would help.

 

Thanks

Link to post
Share on other sites

Read through a couple of the threads on here & then go for it. Make sure you keep copies, recorded delivery is best for sending, the sooner the better. Just be prepared to follow it up & be in it for the long haul...... it will not be resolved overnight.

Andrew

Link to post
Share on other sites

hi daniel

i got over £3000 back about a month ago stick with this site and read as many threads as you can they will take you all the way and hope you give up stay focussed and you will get your money.

got mine back 24 days after mcol was filed

Link to post
Share on other sites

Hi Kilbo

 

That is really good is the MCOL the online system rather than submitting the documentation to the courts. Did you find the information they required simple to provide or not. Mine is £2850 but need to calculate the interest on top. Was yours the full settlement?

Link to post
Share on other sites

If you navigate to http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=56&Itemid=78

& select the excel sheet for England Simple, you enter the charge reason, the amount & then the date & it calculates it up to date for eazch individual charge.

I am still waiting to hear anything other than the acknowledgement.

Link to post
Share on other sites

No probs Daniel, I was going to wait until I'd filed my claim, then write to ask for all necessary t & c's, as the issue is at court, Nationwide would be obliged to provide the terms and conditions for the period am claiming for, that's what I was going to do anyway, not sure what others here think?

Link to post
Share on other sites

daniel go to the money saving expert website there is an interest calculater there.

there is also a thread on here somewhere that tells you how to word your claim so they take you seriously.

Link to post
Share on other sites

daniel go to the money saving expert website there is an interest calculater there.

there is also a thread on here somewhere that tells you how to word your claim so they take you seriously.

 

Or use these:

 

Interest calculation spreadsheets

 

Particulars of claim - N1- Hard copy version

 

Money Claim On-Line (MCOL) Particulars of Claim

 

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

Link to post
Share on other sites

Thank you - I have already done the template letter giving 14 days notice before I submit my claim to the court - and did find it from this website.

 

And thanks so much for your helpful input......have any of you had problems getting the terms and conditions for previous years. Was thinking of doing a letter to Nationwide to confirm and state if not received will confirm this to the court?????

Link to post
Share on other sites

The onus is always on the Claimant to prove their own Case.

 

There is NO automatic right of DISCLOSURE in the Small Claims Track.

Therefore Nationwide would be under NO obligation to supply U with a copy of the T & C's from 'n'years ago to enable U to prove your argument against them!

 

Here are a couple of links that may be of interest to U...

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/90791-we-need-your-help.html

 

Internet Archive: Wayback Machine

Link to post
Share on other sites

daniel12

 

Don't be confused. Nobody says you should provide any terms and conditions. Let the banks think about that when you ask for your charges back.

 

The claim for money back is valid if you have been charged unlawfully in your account.

 

Follow the step by step route to help you. Click below:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html?highlight=library

Link to post
Share on other sites

Thank you so much - the more I was reading around the more confused I was getting re the terms and conditions. With people mentioning previous terms and conditions it was making me doubt what I was meant to be doing.

 

I am using the next 14 days to do the spreadsheet with interest and how to complete the court form - but have not yet decided whether to do it online or at the court.

Link to post
Share on other sites

It is advisable to submit a copy of your ORIGINAL T & C's in your Final Court Bundle, if it becomes necessary to do so.

When U submit your PoC, just keep things brief + to the point.

The links that I provided for U on your OTHER Nationwide Thread will help U.

Link to post
Share on other sites

I think you worry too much about T & C. Many people here have claimed back their money without submitting any T & C.

 

Besides, you do not need T & C until about three or four months from now. Why not continue your claim until you need it? When you need it, you will get it from this site.

 

T & C is normally submitted with court bundle when a hearing date has been set. In your own claim, you have not filed a case in court.

 

It makes no difference whether you use MCOL or local county court.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...