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    • Yes that’s my point but they keep dismissing it saying the opposite so I don’t know how to argue back. My argument is they did and still are giving me false advice which I took and in turn put me in a worse financial situation.   I have the CCA for this and all DSAR info. This debt is now paid in full
    • from your other thread..   there is no remit in the ICO guidelines that states 3-6mts anymore, that went out the window under the revised guideline which i think happened in 2014    didn't know you were raising a complain, would have advised not too but ask nicely. then if not, the above is the way to go.   as for AP markers not being as damaging as a default, poss for the immediate short terms credit score/worthiness that might well be, but as you point too and is explained in your other thread, that AP status can remain showing on the summary of a debt for upto 12yrs even when the debt is settled , IMHO that's far more damaging in the longterm that a default that cause the whole account to vanish on it's 6th birthday.   dx  
    • It probably won't be necessary but on the other hand, no harm done. You could send him notice that you are challenging the points in his advertisement. This the mount point by point and tell him that you are having these points independently assessed and that you will be proposing to recover the costs of an assessment from him in the event that he attempts to dispute any of it. I think if you lay down a paper trail and show that you have behaved transparently and warned him of any costs, that you will probably be awarded them. Once again, whether you can enforce it – is another matter.
    • Bankfodder thanks for your help and yes i am about 90 miles from the garage i have requested the advert from autotrader  waiting for that back.  the dealer is a garage and taxi /minibus firm with a big unit i have taken screen shots of the stock and sales on ebay  and cars for sale on autotrader i have a reciept for my purchase signed etc  so yes i know 30 days is up but like you said its the enforcing it may be an issue but ill take it up to the highcourt as seen on tv lol 
    • Letter said 10 going across company, 2 from cad team. Only 2 have been scored. Essentially I would have stayed but now my position is untenable I feel, how could I go back after being mistreated like this. So yes, I want more compensation because its been an unfair process.    We don't have a union. 
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

What should I be doing?


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Hi, I'm hoping someone can give me some advice please...

 

I have a flex account with Nationwide, which I haven't used since 2004.

 

While the account was active, I had an overdraft which I started to pay back (overdraft amount was £300, paying £70 a month). I had basically paid the overdraft back when they took out interest taking the account over the agreed limit. I ignored this and they didnt mention it.

 

Until I filed a claim for my charges, which were all for unauthorised overdraft fees. The fees total £424 which I asked they pay back.

 

They have since asked that I repay the £213 in which my account is overdrawn without having an agreed overdraft. I explained to them that I had a claim going through for charges and that once they are refunded, it would cover the overdrawn amount. They said that I still need to repay the overdrawn amount incase the claim is not successful.

 

I am not keen at all to do this, as 1. I cant really afford to, and 2. The only reason the account it overdrawn is because of their charges.

 

I have sent them letters asking for the charges back and they have sent me the usual letters saying they have considered my claim blah blah and it wouldnt be fair to all the other loyal customer etc.

 

So I dont really know what to do next.

 

I have sent them the LBA to them today,for the 2nd time, just to give them a second chance to pay up, but I expect they will fob me off again, so what should I do after the 14 days are up? Should I just file a claim through the courts? And should I pay the £213 they are asking for or try and speak to them and set up some kind of agreement?

 

Any help would be very much appriciated. If only they could be like NatWest! Who paid out £1423 after 1st letter.

 

Thanks very muchly

 

Kathryn

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Hi Kaf1310,

 

Sory but unfortuantely the Nationwide are not so accomodating and I think you will have to take them to court for the full amount of what they owe you, plus interest and court costs. They are hoping that you will give up and let them keep YOUR money! Why let them get away with what is rightfully yours. They rely on people just giving up and letting them keep your money plus interest. Read through some of the threads on here and you will soon see that you CAN and WILL win back what is rightfully YOURS. Good luck!;)

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