cheers oggy.. cca what's that then......cant remember? oh...and whats the link to your thread, id like to keep an eye on it to see how your doing.....good luck with it... Nick

Hi.... i'm posting this for my mother-in-law....(no funny in-law jokes please...she's actually really nice....!!!!) anyway, she got herself a C 1 credit card about 6 years ago, no problems...then got a letter a while ago asking her if she would like an upgraded card, which she accepted....but they just sent her another card...fine so she kept both, used them paid, paid the card bill each month no problems.....recently she noticed that she was being charged for a PPI on both cards neither which asked for. she has now asked why this was and was told that she was sold the PPI's by telephone......which she has told me never happen.....problems starting!!!! so far she has by letter asked for the money back...about £800.... and was told no, the PPI's were sold to her by phone and thats that....! she has now managed to ask for her statements from day one of her account which she has now got..... i presume we now need to ask for a copy of the original agreement for the cards to make sure PPI was not asked for..... what do we do next.....??? i have some experience of claiming charges back myself as i successfully got all my bank charges back last year from nationwide with that help of this fantastic site.....and "milk tray man"......you know who you are.. Nick V Nationwide regards Nick (busa)

Hi.... i'm posting this for my mother-in-law....(no funny in-law jokes please...she's actually really nice....!!!!) anyway, she got herself a C 1 credit card about 6 years ago, no problems...then got a letter a while ago asking her if she would like an upgraded card, which she accepted....but they just sent her another card...fine so she kept both, used them paid, paid the card bill each month no problems.....recently she noticed that she was being charged for a PPI on both cards neither which asked for. she has now asked why this was and was told that she was sold the PPI's by telephone......which she has told me never happen.....problems starting!!!! so far she has by letter asked for the money back...about £800.... and was told no, the PPI's were sold to her by phone and thats that....! she has now managed to ask for her statements from day one of her account which she has now got..... i presume we now need to ask for a copy of the original agreement for the cards to make sure PPI was not asked for..... what do we do next.....??? i have some experience of claiming charges back myself as i successfully got all my bank charges back last year from nationwide with that help of this fantastic site.....and "milk tray man"......you know who you are.. http://www.consumeractiongroup.co.uk/forum/nationwide/72909-nick-nationwide.html regards Nick (busa)

Hi Chaps i too have been allegedly doing wrong...... but I'm afraid they may be in for a little shock.... i got caught in a box junction due to emergency vehicle's wanting to pass..... but thats not the clincher.... it was a "t" junction box (covering both lanes each direction) and i was on the other side of the road to the junction...so quoting a site called ticket fighter: The yellow box regulation only applies to a vehicle which is stopped. A vehicle which is moving slowly cannot be ticketed. Ensure the authority has evidence that your vehicle was stopped. A single still photo does not prove the vehicle was stopped. The offence is committed when you enter the box. Therefore if circumstances afterwards change, such as a vehicle changing lanes and blocking your exit, you can appeal. The authority must have video evidence of your vehicle when it enters the box and stopped and this evidence must show also that the exit was not clear when you entered. A yellow box must have four sides. The yellow lines must go into the corner of the box, as shown in the picture below The box should go right up to the kerb There should be only one yellow box at a junction A yellow box at a T junction should cover only half of the junction (the half next to the side road), as shown in the second picture below A box which deviates from the standards requires approval from the Department for Transport (DfT). You may request evidence of this approval when appealing your ticket. If the authority doesn't have DfT approval (which is likely) then the box is invalid and cannot be enforced. Yellow boxes do not require a traffic order Click here for the law on what information a yellow box junction ticket must contain. All of Islington council's tickets were recently deemed invalid for failing to comply with the law. The Traffic Signs Regulations and General Directions (TSRGD) 2002 governs the format that a yellow box junction must take and the information below summarises this legislation. just writing the the local council now......should be interesting....!! Nick

my claim was issues on the 18th may, deemed served on the 28th may so nationwide had till the 11th june to reply..the defendant filed an acknowledgement of service on 30th may. the defendant responded to the claim indicating an intention to defend all of the claim" so....28 days from the 18th of may...15th june i forgot the date and only checked my account on the 20th june and found i had been paid that day....... got the rest of my money today so all in all 34days from filling at my local court..... hope this is of some encouragement...? Nick

Shaz..... got paid today....so yours must be round the corner..... good luck and i'll keep an eye out for when you get paid.... regards Nick (busa)

All done and dusted........woohooo.....just got to send a reply back to the court....saying fully paid..... they paid me my outstanding dosh today.....and i'm well chuffed.... thanks again everyone....... and to all those in the middle of it all......keep at it, it'll all come out in the wash.....!! regards Nick (busa):p:p:p:p

ahhhmmmm......WOOOHOOOOO.....!!!! nationwide today paid the remaining balance into my account £652.69 which now means i have been paid in full.......... So........ big thank you to CAG and all those that helped me along the way.....MTM.....thanks very much chap...... donation to CAG on its way....... i think it's now beer'o'clock....... nick........

Hey shaz hmmm.....it's not just me then....okidokie.... i'll wait it out then keep me posted on what happens to you, post a link to your thread.... i didnt go the mcol route, i went to my local court.... cheers nick

ok.....thanks stewpot, i'll give it till monday.....

so...been trying to find a thread or two that has come across the same problem i have now...!but as yet cant find one.....!! or am i being dence? been paid...but not all of it.....about £600 short. should i wait a few days? call the bank directly? or call the court (or go and see them as its only round the corner) i hope they dont think this is full and final payment!!!! nick

happy 900 th post....!

the money has been paid into my everyday flex account so it will just be used like any other money that goes in..... do you think this will a differance, can the y say i have accepted it beacause its in an active account? how do you mean carry on with the claim?.... there time is up but htey have not compleated on my payments.....? maybe i should wait a day to see if anymore payments are made? i think these payments to me were paid very late in the evenning? maybe i'll get another tommorow i'll have another look in the mornning........i'm off work at the moment so i have all the rest of this week to do some chaseing.....! kind regards Nick

hey...check again......been paid mate.....!!!!!! but still need your knowledge......!!!!

from this thread: http://www.consumeractiongroup.co.uk/forum/nationwide/72909-nick-nationwide-2.html?highlight=nick+v+nationwide WOOOOOOOOOOOOOOHOOOOOOOOO OOOOOOO........ JUST THOUGHT I'D CHECK MY ACCOUNT JUST AFTER POSTING THE LAST POST AND I'VE BEEN PAID........!!!!!!!! sorry.....i'll stop shouting now.... amount i'm claiming. charges £2,107.00 s69 intrest £532.59 court fee £120 been paid two payments of 999.00 one payment of 109.00 total so far 2107.00 outstanding is the interest 532.59 court cost 120.00 total outstanding 652.59 what do i do now......i still want the 600 odd quid? nick:shock:

WOOOOOOOOOOOOOOHOOOOOOOOOOOOOOOO........ JUST THOUGHT I'D CHECK MY ACCOUNT JUST AFTER POSTING THE LAST POST AND I'VE BEEN PAID........!!!!!!!! sorry.....i'll stop shouting now.... amount i'm claiming. charges £2,107.00 s69 intrest £532.59 court fee £120 been paid two payments of 999.00 one payment of 109.00 total so far 2107.00 outstanding is the interest 532.59 court cost 120.00 total outstanding 652.59 what do i do now......i still want the 600 odd quid? nick

So......it's now the 20th......! so am i right in thinking that as an acknowledgement was made on the 30th may they only had till the 15th to do anything?...... not heard a thing from the court or nationwide.... what next...... come on MTM i know your out there....... regards nick

got a letter todayform the court....."the defendant filed an acknowledgement of service on 30th may. the defendant responded to the claim indicating an intention to defend all of the claim" so....28 days from the 18th of may...15th june i think...? is this good...? or bad?....!!!!

nope....sorry.....i cant bring myself to even think about watching it..... even if the screen is full of 22 tits......!!!!

PLEASE.........it thought i'd got away for that rubbish......i've banned it from my house....!!!! well....sort of.... my daughter is probably going to be glued to the tv in her room for days on end, well at least till she goes back to school.....and my missis wont watch it unless i'm out of the house.........i've been given two days to move my computer to the shed.....!!!!!

no problem.......thanks for the advice anyway..... it's getting a bit scarey at this point.....!!

Hi.... the court already have my schedule of charges as i made my claim at my local court in person and not a MCOL...... does this make a differance?

got a letter back from the court...... quote: your claim was issued on 18th May 2007. the court sent it to the defendent by first class post on the 24th May 2007 it will be deemed to be served on 28th May 2007 the defendent has until 11th June to reply. so....just a bit more waiting...? now what?.......answers on a postcard...!

ok....well been to the court last friday, asked the helpfull lady at the counter if i had compleated the form right......yep...that's ok then!!! so hopfully i'll be getting a letter back from them and then just sit back a wait......oooooerrrrrrrrrr!!!!

thanks again..... i'm planning to pop over to the court after work tomorrow to file my claim. i'm not claiming the overdraft interest so i have deleated it from the form and i think i've got the s96 stuff right.......waddya think? my claim is as follows charges £2,107.00 overdraft interest (not claiming this) s69 intrest £532.59 court fee £120 i think i got this bit right? Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.46p per day (£2,107.00x 0.00022 = pence per day) OR at such rate and for such periods as the court deems just. the bit in the particulars of claim read as; 5. Accordingly the Claimant claims: a) The return of the amounts debited in respect of charges in the sum of £2,107.00 (this is where i deleated the bit about interest claim) b) Court costs; c) The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from 03/07/2001 to 18/05/2007 of £532.59 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £0.46 any thoughts? cheers Nick (busa)