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A lone voice -shouting in the wind ??


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:) This is my first post though I have been visiting CAG every few weeks since February. All the information on the site has been a great help and it is very encouraging to learn that others have succeded.... though this week has been very taxing on my resolve to fight back ...............

 

We (my friend and I both have accounts with Nationwide) have just recieved the 'Go away worthless **** ..' letter from Nationwide after our LBA letter.

 

I am very despondant at the momement as it seems when you are down companies are only to quick the join the gang and kick while you are face to the floor. M&S ring serveral times every evening and weekends - i am over due by £7.00, then Capital One, Virgin Mobile demanding payment for services I haven't used. Every single utillity comany is jumping on the band wagon of late payment fees!!!!!! and BT cut off my lanelinethe day after I had just re-arranged a new payment plan with them, but still charged £30 to re-connect. I set up regular monthly payments through my internet bank account - due the returned direct debit syndrome I went through last year causing totally havoc with regular payments, But not one company recognises a standing order even though they still accept the payment .... except TV Licensing they send me a cheque every month for £11.35 (four so far) as this doesn't cover the cost of the license fee, the nextday they send a notice of non-payment of said fee!!!! Is it just me or is every single company, organisation setting out to financially screw and cripple all honest hard WORKING people ? In the last five years I am working longer works for less money and paying 50% more in taxes .... Have I been singled out for persecution or are there others who feel the same way? :confused:

Just received my car insurance renewal - a stagging 29.9% interest to paid by monthly direct debit, plus late payement charges should it not be paid on time and the added bonus of having to tell them in writing next year should I wish to discountinue insuring my car through them!! and then there is the housing association ... (the only way I could afford a house for myself and three children after my - NOW ex husband ran off with his secretary) ........... I used to be a very upbeat optimistic person, but the last several years have turned me into a miserable whiney old bat!!:-(

 

Does anyone have any words of encouragement!!! help me stay on the 'this is worth it path..!'

 

If you did manage to reach the end of this monologue ...... thanks for reading.

 

Deedee x

 

PS I promise to donate what I can when I can .... what's the minimum?

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Stay focussed! One thing at a time! It can seem daunting if you look at the big picture!

Start with reclaiming your bank charges. Start your court claim. Folow the advice from this site and you will get your money back.

I suggest you start your own thread in the Nationwide forum. I will post a link for you in just a mo!

Don't let the b******s grind you down!

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The Nationwide Just click on this link and start your own thread for your claim. Detail what you have done so far and you will get loads of great advice and guidence from the good people watching on that forum.

 

The only way is up when your face down on the ground!

[sIGPIC][/sIGPIC]

 

Welcome to the Consumer Forums

Free advice and support to to solve your consumer problems.

You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

 

Which guide to the Sale Of Goods Act

 

New advice guide explains credit card rights

 

Help the CAG!!

Make a donation

 

ARE YOU A VICTIM OF COWBOY BUILDERS?

 

Has your RBS account been transferred to Santander?

 

Forum rules. Please read these before posting

 

PLEASE CHECK OUT THE CAG LIBRARY!! IT HAS LOADS OF USEFUL STUFF IN THERE. CLICK HERE

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Does anyone have any words of encouragement!!! help me stay on the 'this is worth it path..!'

 

Hi Deedee, or should i say hi dee hi dee. ( bet you have never heard that one before )(not).

Sorry you are feeling so down, YES it really is worth it, but the effort has to come from you.

Every journey starts with a single step, so, deep breath, chin up, we are all behind you every step of the way.. 160,000 thats one hundred and sixty thousand members, on YOUR side, all working towards the same results...Good luck...im watching..;)

 

P.S.Did your ex know his secretary used to be a man. !!!!!!!!!!!!!!!1

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Hi DeDe,

 

I know exactly how you feel (not about the ex running of with his secretary) but all the rest. I have been on this site since last August and what a godsend, I had so much debt and so little hope that I was really really beyond hope. Now I have got my finances in order and already got back over £6,000, and I am now claiming for my family. One of my sons has a claim into the fos for over £5,000 and it is a great feeling to be able to get this money back. After all this money was yours in the first place any way. What I found after reading round this site is what power we actually have against all of these companies, it is a great feeling to be able to get our message across to these companies and what happens is that when you sound as if you know what you are talking about it kind of amazes them, and they treat you in a different way.

What I suggest you do is read everything on this site because there are so many people that can and will help you even with the silliest question.

Good luck because you will get there.

 

Eileen

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  • 2 weeks later...

Hi Elileen,

 

thank you for your words of encouragement and for reading my 'long and whiney' post.

I will carry on.. I have taken the week off work to get all the necessary paperwork sorted.

 

The ex leaving was proberly the best thing that happened.

 

Deedee X

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Hi Deedee, or should i say hi dee hi dee. ( bet you have never heard that one before )(not).

Sorry you are feeling so down, YES it really is worth it, but the effort has to come from you.

Every journey starts with a single step, so, deep breath, chin up, we are all behind you every step of the way.. 160,000 thats one hundred and sixty thousand members, on YOUR side, all working towards the same results...Good luck...im watching..;)

 

P.S.Did your ex know his secretary used to be a man. !!!!!!!!!!!!!!!1

 

Thanks Tonycee,

When I first visited the site I did not realise there where so many members. It is certainly reassuring to know that so many have suceeded 'I will go to the mattresses ....' now I know I have Rocky in my corner :lol:

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More successes EVERYDAY....:D

We are watching and waiting on yours now....

Just remember one thing, :idea:

People are allways at their best when things are at their worst....:rolleyes:

So dont let them grind you down, laugh in the face of adversity.:p

 

Still watching..................................:cool:

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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