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    • Problem with our link but im sure your aware of what Fast Track entails 
    • UPDATE 27/01/2022   I have filled out all the SD's for all the tickets (fifteen in total) and now I have respond from court - they took off the Bailiff charges and asked council for original price.   Council just send me an letter regarding one of the PCN's asking to pay 130£ in 28 days.   There was another ticket for speeding but was send from Metropolitan Police and they did asked to name the driver, which I did. She have to attend the course or face penalty.   Contacting Council of Ealing was a huge pain, I contacted them in November yet had to fill formal complain in order to get any answers recently. They supplied me with 15 videos showing my ex driving the car on the bus lane, yet they told me as an owner I am responsible for paying the tickets and I cannot name the driver, they don't care. I took her to the post office and she signed the V62, she is still waiting for the V5C.   I have been told by Council of Ealing that there are another 11 charges for the same bus lane violation ...     My questions in this moment are: Is there no discounted rate of 65£ after Statutory Declaration?  Will she be able to pay in installments?  As total amount is around 2.5k - 3k (depends if the new 11 tickets she will pay before 15/02) Do I have to worry much if she will fail to pay even though car is owned now by her (she signed V62) and she can be recognized on the CCTV footage? 
    • The Training room is an unethical sales company disguised as an educational organisation. In 2019 I enrolled with The Training Room for a software development course which I fully intended to complete. I suffer from MDD, Anxiety and ADHD and I was concerned that this would affect my course in some way, this is information that I gave over the phone to the person selling me the course.  My mental health suffered when I discovered that the course was nothing more than large blocks of text and a “tutor” who could only answer questions about the blocks of text.  This was extremely difficult for my ADHD, but I really wanted to obtain the qualifications- so I requested information regarding extending my course from The Training Room, to which I received no response.  I didn’t pursue it because I had a job, was making the payments and things were going well. Then, the pandemic struck and I lost my job and was refused furlough because I had started after the government cut off date. My mental state suffered further along with my financial state, and even though I managed to get onto Universal Credit, I was struggling. I rang The Training Room and eventually I was told it would cost an initial £200 and then £15 per month until I finished the course. As time went on, my mental health slowly improved with the help of my psychiatrist and psychologist.  However, when my course deadline hit, The Training Room told me, for the first time, that I wasn't eligible to extend my deadline because I hadn't completed enough of the course. This shocked me, as nothing had been said about this before this point. I explained my financial and mental situation and was given a ‘generous’ offer which allowed me to stay on the course for a maximum of four months after my deadline for a fee of £350. If I had been able to afford that option, I would have taken it, however, as I informed them both in writing and over the phone, I was struggling to complete the course within the deadline because of my financial and health issues – charging me more and giving me minimal time to complete the course merely exacerbated the problem. The Training Room is threatening me with legal action if I do not pay the full course fees of over £2000 and I do not have the money, nor do I think it is fair that they should charge me this. They did not listen to me, and were dishonest with me from the start. I’m not the only person who has had this experience with the Training Room.  Is it really legal for them to be so unethical? Am I going to be forced to pay this even though it’s completely unreasonable? Any advice or insights would be really appreciated.  
    • Thanks.   So having quickly looked through that second link, @simeon1964 needs to be fully aware that he might be liable to pay the other side's costs if he loses this fast track case?   (The first link is blocked for me.  Is that a problem with the link or is my AV software not liking it?)
    • Sorry to jump on this post, but I have just had 2 debts fall off my credit file due to being statute barred. Both owned by Lowell. Should I send them a statute barred letter?   They haven't contacted me specifically about these, other than they regularly send letters which include them at the top saying they have accounts of mine that need paying. One of these worries me especially though as it is listed at my old address, or it was on my credit file before it dropped off. I ignored that for ages because I was worried it might make them take me to court for them and I didn't want to draw their attention to it, but they have included the debt (Vanquis) on other letters they have sent to me at my address. I asked on here and sent a letter a few months back with my change of address but they didn't update my credit file with the right address so I don't actually know which address they would use. I also don't know if they have just written it off or if they will try and get a ccj for them..
  • Our picks

Bowie v Nationwide Here We go!!!!! * * WON * *


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:mad: Hi All,

 

i have been so inspired by reading all your stories. i was recommended this site by an advisor at my university, my problem started about 6 months age when i missed two direct debits because i was then charged £60 for these and did not have the money in the account when they took it out, i then missed another two the next month so as well as the £60 charges for them 2 i was charged £20 for an unauthorised overdraft!! as a mature student with 3 children my only money to live on is my tax credits this has caused me great financial hardship and has now got to the point where i missed 5 direct debits last month and added to that this month is the £20 unauthorised overdraft (when they took out last months charges) giving me a whopping £170 charges this month!! i have no way of paying this and if they take it out in one hit i will actually be left with no money to eat that week. i have decided to fight!! first letter sent today to ask for bank statements from last 6 years. i could only get detail for the last year online but this is £600 in charges in one year!! fingers crossed for me and good luck to everyone out there!!

 

don't let the B*******ds grind you down!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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All the best with your claim - keep us posted.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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  • 1 month later...

Hi Everyone, it's very heartening to read so many positive threads. i have finally got my back statements today and have added up the charges plus interest. about £1600. i'm just checking that i have the next bit right.

i put my details into the letter on the bank templates, preliminary letter along with a seperate sheet of paper detailing the charges, amount and date, and then send it to Charles Bacon (or do i send it to my branch?)

can someone just confirm that i am doing it right?

Good Luck Everyone!!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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  • 2 weeks later...

:mad: ok letter before action sent to Sarah Watson today claiming 1,788.55 . thanks to all forum users for giving me the courage to go through with this!! certainly need the money now, landlady has just given me notice to quit so need the money for deposit etc on somewhere new! i've emailed a copy of the letter to Charles Bacon and am awaiting the reply. hope it gets here soon but the way i'm feeling at the moment i'm ready for a fight in the courts!!

HERE WE GO BRING IT ON!!!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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Welcome and good luck:)

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Hi, hope all goes well - let us know. It's good to know there are so many of us doing exactly the same thing. It's great encouragement for one another. If I don't get a positive result from my LBA, I will be filing a claim next Tues.

Mandy.

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  • 2 weeks later...

Just a quick update on my claim

ok, i'm filing my money claim tonight online tonight. i've read through the posts and think i understand it. going to do claim after i put my son to bed, i may have to take it to the court though as i'm on benefits so don't have to pay. will see what is said when i start the filling out. their 14 days is up today and i have had no reply to my LBA so here goes!!

don't mind saying i'm extremly scared but prepared to fight. will keep everyone posted. one thing before i finish, i had added up the charges wrong, in their favour, (DOH and me a maths degree student!!!) but this doesn't matter does it? i have the correct amount now with the interest etc courtesy of the spreadsheet on here. can anyone reassure me that it doesn't matter if the amounts differ and i don't have to start all over again?

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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thanks michael, will start the claim now!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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Hi there,

 

tried searching for this but in the middle of filling out the form and not sure what to do. if it is a joint account do i put both of our names in the claimant bit or will just one do?

 

i know its probably a silly question but i don't want to get it wrong at this stage!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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Providing that it only needs one signature to authorise a payment, then you only need to put one name on the claim.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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I'm not going to let this bloody form beat me!!!!! but after filling it in for the last hour and getting to the last bit now realise that you cannot claim exemption from the fees online so i'm now going to do it the old fashioned way and print out a hard copy and take it to my nearest court tomorrow. mind you the nearest court is 20 miles away!!!

does anyone know what the number of the form to claim exemption from the fees is, (i'm on benefits so don't have to pay i hope)

I'm not getting frustrated honestly!!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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Took my claim to the local court today (Truro). they were really helpful. but thought i would let everyone know the procedure. you need to take two copies of your N1 form to them, one for their records and one for the defendant. I get working Tax credit and took proof of this with me and got all my fees excused (£120) the form to claim this was really simple just name and address etc. but she did take a copy of the proof that i taken with me.

well i suppose i just sit and wait now!!!! when i got home i had a letter from nationwide telling me that they did not need to respond to the LBA for 40 days. but tough they had their 14 days and the claim has been filed. fingers crossed!!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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P.s. will pm moderators with bank claim details as soon as i have the claim number.

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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:) Very best of luck...not that you'll need it!

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Well done for filing your claim!

 

You are claiming about the same amount as I did and I was paid in full within 7 days of filing my claim!

 

So far Nationwide have been very nice to me about it and no sign of account closure but we'll see!!

 

You are going to be £1600 the richer in a matter of days! Its a frustrating and worrying time but you'll be fine!!

Nationwide paid in full!!!!!

 

Moneyclaim filed 27/6, Acknowledged 30/6, £1500 refunded on 4/7!!!!! Just a week from claiming!

 

No sign of account closure yet! :D

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Hi, just be prepared to wait about a week (or 9 days) to hear from the court as you did it by hand, as thats how long it took them to serve ok?

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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  • 2 weeks later...

update on claim, just received the court form back signed by charlie boy stating the intention to defend. getting wobbly now but fingers crossed i'm not the one they pick on to go to court!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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YEAH!!!!! Interest on claim £246.73 paid into bank account today. shows on online statement as credit by cash how strange is that? must be them cos its the exact amount of interest i'm claiming and no one i know is so generous to put that amount in my account!!! can't wait for the rest - need it desperatly have to move out of my house in two weeks and i haven't got any other money to put down as a deposit for somewhere else!!! thanks everyone for all your support hopefully be updating you that the full amount is in there soon!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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You will get the rest back....next few days...wonder how many times you will check your account before it goes in :lol: :lol:

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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its all here!!!!!! checked my account this morning - only had to check the once Dolly they're getting quicker!!! - and the rest of the money is in there!! you have no idea how much this money means to me. i can now put the deposit and rent in advance on a new house - lost the last one cos i couldn't raise the deposit - and we can be moving in the next couple of weeks. thanks to everyone for all their support and encouragement. i will now fill out the survey but not sure how to get the title changed to WON? i will stay on to encourage and help others. a donation will be made as soon as i know how much is left or my tax credits come through this month. YIPEEE!!!!!!!!:) :) :)

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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WOOOOOOO-HOOOOOOOO

 

 

Absolutely DELIGHTED for you - they have paid a lot out these last few days :)

 

I am so pleased....you enjoy that house, I'm sure you will be very happy knowing that the Nationwide have paid for your deposit :)

 

(I'll ask one of the mods to change the title for you)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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well here is the final chapter in the bowie v nationwide saga. received a letter from them this morning asking me to close my account, they're three days too late as i closed it myself on monday!!! i wanted to close it when i wanted to not when they told me i had to!!! but they haven't asked me to close the kids accounts which is a bonus. so thats it all done and dusted, i feel almost free, this site has totally changed me i now complain if i'm not happy with something and have started to learn my rights about all sorts of things its been great!!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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