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    • Whatever the nuances of the law, they will be lost on OPS, who like the rest of the PPcs never bother to get planning permission, ever. When they get a new contract they don't want to delay issuing PCNs by deigning to follow the law, especially as the period when they take over and the parking restrictions are new is the time when they can catch most drivers out.
    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
    • I am sorry I am not aware of this report from IAS assessors? The Court will consider my application at a online hearing in June. The Court instructed me to send Bank copies of my sons condition proving he could not have been the driver I have heard nothing further. My son is not aware of any proceedings I have not involved him to avoid causing him distress, he has been sectioned a fair few times and I need to avoid this happening.
    • I am very pleased that the Court has taken the decision to allow you to  represent your son and hope that he is happy enough with that to relieve the stress he will also be feeling. I do agree that Bank parking are so insensitive, greedy, horrible etc etc to continue proceedings considering  in what it is a very minor case of a wrong number plate . Even their  own  IAS Assessors, who are normally hopelessly biased in favour of their members, went out on a limb and said  " The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." That is damning evidence and you must take that report with you as well as including that in your Witness Statement which we will help you with. I would expect that Bank would discontinue the case at that point.  But I am sorry to say  that you should not count on it.  
    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
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Urgent advice needed?


NZ2506
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Hi All,

 

Forgot to cancel Direct Debits (x5) and there was only £10 in my account. NationWide didn't pay the Direct Debits but charged me £160 because there wasn't enough funds for the DDs. This made my account go into the minus.

Since then NW has been charging £20 every month for the unauthorised draft.

It's digusting, they made themselves £260 for doing nothing!

 

I Received a letter from NW saying:

Action Required by you:

(1) to reapy the overdraft in full

(2) to return all unused cheques, guarantee cards & FlexAccount Cards still in your possession.

If the action required by this notice is taken before the 08/06/07 (today), no further enforcement action will be taken.

If you do not take the action required then the furhter action set out below may be taken against you.

Further Action: We may commence legal proceedings to recover the overdraft in full.

 

 

What can they do?

What shall I do?

Thanks in advance for your advice.

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At the end of the day Nationwide will say that you are at fault for not having sufficient funds in the account to met the DD's but then they have casued you to be futher in the mire by the charges thay they have imposed.

 

Why not send them the prelim letter asking for the charges to be repaid and then by doing this I think that it will mean that your account is in dispte and they cannot take any further action on the account until the dispute is settled.

 

Can someone else confirm this please.

 

Ta

PPMAN159

 

If this comment has helped please click on the scales.

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My advice would be to start a claim against the bank to recover these charges.

 

The bank is within it's right to ask for the return of cheques and cards etc but wont be able to take any further action against you while the account is in dispute (which is what it will be if you start a claim against them).

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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Confirmed PPMAN.....:D

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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Thanks for your advice.

 

Do I need to phone them today, as it's the action date, and tell them that I started the process of claiming the charges or just send them the first template letter?

 

Will phoning them be enough to stop them taking "legal proceedings" against me?

 

They offered to stop charging me the monthly £20 as long as I agree to pay them £20 monthly but I refused.

 

Shall I agree to pay them the monthly £20 and claim that later?

 

I no longer use this account so I don't care if they close it. I just don't want anything that would affect my credit ratings.

 

Any advice is appreciated. Thanks.

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If I phone them & tell them that I am desputing the charges will that be enough to force them to stop any legal proceeding against me?

 

Thnx

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If you do phone them always make sure that you confirm the conversation by sending them a letter.

 

That way they cannot deny that you have been in contact with them./

 

PPMAN

PPMAN159

 

If this comment has helped please click on the scales.

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The same happened to me when by accident I paid a bill on the web for large car repair out of second account not first account. i was just heading off to the airport at the time and simply in error selected wrong account to pay from. I had more than sufficient monies between the accounts. I went off on holiday to return 14 days later to find that 10 dierct debits had been recalled etc. £300 due to nationwide in charges from a pure accidental error, no sympathy from them at all, hence my now action against them. However I did complain bitterly at the time and they put me through to a department where they gave me option of paying the £300 bank charges off at £30 per month so try this if you skint.

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The same happened to me when by accident I paid a bill on the web for large car repair out of second account not first account. i was just heading off to the airport at the time and simply in error selected wrong account to pay from. I had more than sufficient monies between the accounts. I went off on holiday to return 14 days later to find that 10 dierct debits had been recalled etc. £300 due to nationwide in charges from a pure accidental error, no sympathy from them at all, hence my now action against them. However I did complain bitterly at the time and they put me through to a department where they gave me option of paying the £300 bank charges off at £30 per month so try this if you skint.

 

 

Can you claim the monthly £30 with the rest of the charges?

Does anyone advice me to do the same i.e agree to pay the monthly £20 then claim that back with the rest of the charges?

Is that safer then phoning them & telling them that I disputing the charges?

 

Thanks.

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The £30 per month represents the charges. There were 10 of them and I am paying each one off at one per month + interest of course!!! it is a sort of reducing overdraft the extent of which = total of charges.

 

Yes they are still charges and I pursuing my £300 back at this moment in time. I have just issued proceedings.

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  • 3 weeks later...
The £30 per month represents the charges. There were 10 of them and I am paying each one off at one per month + interest of course!!! it is a sort of reducing overdraft the extent of which = total of charges.

 

Yes they are still charges and I pursuing my £300 back at this moment in time. I have just issued proceedings.

 

Hi,

 

Any news about your claim against Nationwide?

Did you get your £300 back?

 

Thanks.

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