Thanks Hedgy Here is the current situation I am still battling with the housing situation, and now today as I am halfway through preparing my LBA low and behold an LBA drops on my doormat from fredpay for Nationwide???? Surely as my account is in dispute this should not even have been sent to a collections agency and shouldn't I have received a prelim letter? This is starting to become very overwhelming but I shall continue typing my LBA should I include another copy of my schedule of charges and some note about the account being in dispute so call off your dogs? Thanks in Advance

Currently I am about £350 overdrawn with NW however the Charges and Interest are around £1800. and Thanks again MTM I just start getting really shakey on this every now and then my medications are not yet properly balanced and we now need to move soon as our landlord still can't deal with having a mortgage for some reason. So recently the warrant for eviction was lifted for a second time giving us a bit more time to find a new place. I am just at my wits end right now so much going on I am still writing my LBA up using the template making sure it is all current and accurate, and also the statement of charges as they just applied more interest and a standing order I thought was cancelled. Also with Christmas and Eviction worries I now have my 2 crediit cards hammering on me for late payments and over balance. I guess I will need to start the process with them too now and I am hoping all my bills have been paid out of my new current account since no internet banking available I can't check on them and feel worried about having enough in there. Its just all starting to feel too much.

OK Today 14/12/07 I received a letter from the pre-legal team basically offering me the chance to clear my debt with them for a one off lump sum payment, and that if I do not accept this offer they will refer the account to debt collection for legal action. Are they able to do this even though they have been notified the account is in dispute????

Thanks again MTM Well received my carbon copy reply today 01/12/07 exactly the same letter they sent with my list of charges funnily enough so I guess its time to send out the LBA. Right now with all our other issues we are going through all I want is easy but I'm guessing with my luck thats not going to happen

MilkTrayMan Thank you for the links I have read through the details provided and discussed the details of this with my wife, and we both ahve agreed that we will be happy with the standard 8%

MilkTrayMan Is the contractual interest the 8% calculated in the spreadsheet or something different? Sytra I know they don't read the letters but if necessary I can cite my copies in court showing that I did point out this fact or another. I have also tried being cordial with Nationwide just to be laughed at so I am taking the court route and making use of how these charges have placed my family in hardship

TY all well Prelim Letter sent recorded today (27/11/07) along with schedule of charges back to waiting.

oops yep wrong letter thanks for that. Just a quick question it says to attach the schedule of charges, if I read right that is the calculation spreadsheet minus the days and interest column correct? The worst part of this is that all these charges were taken from benefit money too and have left us in some dire straits should i add this to the hardship section of the letter? Thanks

Thanks all, Well I have received a huge wad of duplicate statements in the post this morning with a nice cookie cutter letter stating that they believe tht their charges are lawful and transparent. Tallied it all up in the Calculation Spreadsheet and WOW £1530 I can not believe they have had that much money off me. So now I am looking at the LBA in the templates section.

Ok, Here goes after a lot of switching medications to find the right one I finally feel well enough to tell Nationwide what to do with there charges that put me in my current condition I have opened up a nice new current account with my local credit union who have very good rates of charges and are not for profit organisation. So now I am sending my S.A.R - (Subject Access Request) for my list of charges, and currently trying to reach all those people I had Direct Debits with to try and arrange some kind of plan to get back on top of my bills. Wish me luck S.A.R - (Subject Access Request) Sent 27/10/07 £10 Postal Order Included all papers signed and sent registered 1st Class (Please NO MORE Postal Strikes )

Hi, If this is the first time this has happened you can try to discuss this with a member of staff or the manager at your local branch. If they are good people working there they will usually give you the benefit of the doubt and request the charges be dropped or refunded for a first offence. Worth a try at least for £60 alwayspoor

Thank you for all the advice so far as to where I am i am in southern england if that helps. Today was the court hearing for a stay of eviction which has resulted in a suspension of action pending a remorgage of the property. I am still yet to speak with my landlord personally however according to my LA they have decided to remorgage in joint instead of under a single name? Still not 100% as to if this will go through but at least it is something for now. Thanks alwayspoor

The main wording of the notice reads as follows, "The court has issued a warrant for the possession of the above property (land) at the request of the claimant. The warrant gives a county court baliff the authority to evict you and hand over possession to the claimant. This notice tells you the time and date when the eviction will take place, what will happen on that date, and what you can do. The eviction will take place on XXXXXXX at 11:00AM You should arrange to leave the property (land) with your belongings before this date and time." Then it goes on to explain the "What will happen and contact numbers for the court and baliff etc". Hope this helps. alwayspoor

Thanks I have thought about doing this but the availability of large properties is quite low (9 people in one house). Also how does this affect my lease I signed for 12 months. We felt very lucky at the time to have found this one, which used to be student housing.

I signed up for one of their 3 way packages when I moved to my new address. It was installed promptly although the engineer was lazy and took as many shortcuts as he thought he could get away with when installing causing my broadband to work only intermittantly, our V+ recorder was set up incorrectly causing us to have to loose all our recorded programmes 2 weeks later, and our phone number had been owned previously by many very popular people on dating groups. So after much arguing, stress and complaints I have cancelled the lot I have agreed to pay for the 2 months of service I had but not to any early disconnection fees. I spent many hours with them as they argued that even though I have had many engineer visits to repair my broadband and tv, and that their on demand services were not paid for so i could not claim that just because they did not work I was not entitled to any recompense and that it was not a misselling of a product. In my opinion when they say its "On Demand" and advertised as part of the package I ordered it is a miss-selling to me. Gah I could just keep ranting about the idiots but I think we all know what they are like.

Thanks for the reply, I guess it is just one of those situations where the only people who can really help are the landlords. I have communicated with my LL through my Leasing Agent and I am assured that the LL is attempting a remortgage to clear the arrears. I am somewhat suspicious of this reply but I guess all I can really do is sit and wait to see if that is the case I have been informed by someone at the coucil housing options that since this may be resolved they cannot do much until it is confirmed that I am definately going to be homeless. Oh Well, Time to sit wait and chew my nails off.

Thanks for the advice I will give them a call ASAP to see what can be sorted, it's funny (well not really but I'm left feeling all I can do is laugh) but an eviction notice just dropped on our doorstep for our landlord from their bank. I have the thread posted under the landlord section, but geez can things get any worse?????

Ok, I don't know what to do here on top of all my other troubles, we were forced by previous rent arrears to take a private tennancy to get away from abuse by a local gang, we have been at this new address for almost 2 months now and on my doorstep drops an eviction notice to my landlord and all other occupiers????? It appears my landlord is in arrears on his mortgage and now the bank wants the property back! Does anyone know if there is anything we can do? Thanks in Advance alwayspoor

Well Hello There, As you may tell by my username this is how I am left feeling now with all these problems I am having, I am amazed that no one I have spoken to including my local CAB when you can finally get to see someone never told me that all these charges could be reclaimed. So for about 3 years now I have been fighting to try and keep my head above water with charges and returned DDs. A little about myself, I am married with 7 children (Yes 7) and I am on Income support, Housing Benefit and I am Receiving Child Benefit and Tax Credits for My Children. My Wife had been left in quite severe debt by her ex partner who walked out leaving her with the bills and their 5 children. We were married and have twins together now. At first we budgeted hard and lived tight and managed to pay off many of the outstanding debts, still having very high rent arrears left to pay I spent many months looking for work but have been left unemployed (Being overqualified for many jobs, and not skilled or qualified enough for others) With the rules for monetary support being the way they are we get no support income wise pat a certain earning bracket which still leaves us unable to pay our rent and bills and still have money for food and clothes. We have no car use public transport (which with ever increasing ticket prices are also strangling us). Anyway we needed to move recently due to being subjected to violence and abuse by a local gang, this move drained us of what little money we had managed to begin to build and it is taking us a while to get re-established and now getting torrential returned DDs again and being with Nationwide this is £30 a time. I am now registered as clinically depressed and unable to work as my health has deteriorated severly. Our only source of income is our benefits but now Nationwide is dragging us further into debt by taking these charges and not leaving us enough to pay the new bills which is causing more returned DDs, I am left not knowing what to do with the claims being on Hold for the test case and now the Debt collectors have started knocking our door again I appologise for the rant but I needed to get this out in the open, the most annoying part of this is I am told it was our descision to have so many children, and I feel that I am being told I should not have involved myself with my Wife and Children who I love dearly. Please Should I begin action to reclaim these charges and does anyone have any advise for another Account to stop Nationwide from continuing to take our money? Thanks in Advance (and for putting up with the confusing rant) alwayspoor