NO if i had requested statements it would have cost me 240 pounds or ten quid under the dpa i did not make my self clear on that point. I did not think you were being rude at all just did not want you to think i was being in my frank reply. persoanlly i do hope that they take it to court as it will be interesting to see what happens

i also forgot to add that i have told them that i am not paying there demand for repayment of the overdraft As i feel that this is due to there illegal charges and that if they do not freeze my account until the matter has been sorted out an injunction will be sort to prevent them from demanding there money until such a time as court has made a determination in to the fairness of there fees which form a very large part of my overdraft balance

I am not wishing to sound rude but i am not sure how you can say I have gone about this the wrong way, the guilde lines that are set out here are as teh word says guide lines there are not as i understand it a hard and fast set of rules. I could have got the same information under the dpa but paid 240 pounds for it i got it free by going another way about it saving 40 days. i can not see upon which basis you assert that i have gone about it the wrong way, I went about it my way and achived teh same result as some of you who have been waiting up to and in some cases more than 40 days., What is the point in getting into long and protracted discussions with a bank you no they wont cough up till there back is agaitnst the wall all i feel i have done is make my position clear and set strict deadlines albeit very short ones but this is what they do. If the decide they want to go to court I am 100 per cent fine with that Please do not feel I am being rude either. My question was in relation to the 8 per sent i am a little bit confused about that am i adding 8% to the total balance i just dont understnad that bit

On the 6th JUne i wrote to natiowide telling them that I wanted all charges refunded within 7 days or I would take legal action on the 13th I received a letter which was standard our fees are legal letter, i then spoke to my branch and said i wanted a break down of the all charges which were made against my account I received that today saving my self 240 and saving my self 40 days as they are allowed under the date protection act so could any one help me on some thing What next as I no how much they took have told them that i I dont get the money in 7 days I will take them to court there have made there position clear in the " our fees are legal letter". Do i just now isseue proceedings also do i add 8% to teh value of the claim. I do not intend to get into protratcted discussions with them about this cos they dont when they demand money.

I am a little confused are the "Mods" of this site saying that no bannk has ever appeared before a judge to defended there cases, if this be the case why are there instances in the litigation section of judgements being entered am not having a pop at the " Mods" as this site is compulsive viewing, but I need to be clear on what is being that ie that no bank has ever appeared in court to defend there case and have just piad up before it got there.

what is the CPR am new to all this jargon ( but learning fast)

7 days seems to in my view to be an appropriate ammount of time to give them to sort the matter out the possibly of going waiting 68 dyas is just i think to long they dont wait 68 before they apply there charges. It would put the banks under far more pressure if people were requesting the money within 7 days and then making there claims on at the start of business on the 7th day once they claim is made they can not drag there heels as to do so will result in judgement against they can sort things out in teh 28days in which they have to to admit ot defend the claim what do you think of that.

I my self have started a claim against Nationwide for charges that go back to 2002, I would like to no what members think of the course of action I have taken I told them That I am aware that they have applied charges to my account over 4yrs and that they have 7 days to return them to my account or I will start action at 9.30am on teh 7th day after I sent my letter. My reason for taking such a tough stance is 1 They will charge me five pounds per statement which ammounted to 240 pounds which i just dont have If i did it uinder the DPA that would cost ten pounds but would take up 40 days more if they could get away with it. We recievd a letter form the nationwide telling us that because we had missed a repayment of over Overdraft they wanted there money now and concluded with this line " Untill such a time as this matter is resolved the collection process will continue" I do nto see why I should have to work out what they owe as they no what they have taken I can make a rought guess and add a 1000 pounds to the claim If they dont owe this ammount then they can file that in there defence with the correct ammount but they would have to go to court to do that. I will on teh 7th day walk in to Nationwide Manchester with court papers if they do not repay the money to my account can you imagine if you said to you bank I need 40 days to do this 8 weeks to do that I some how dont think that they would have any of it once the claim is lodged there only have 28 days to respond or get judgement in default. what do members think. I will not let them paly hard ball with me cos for once the balance of power is with me and not them I have ban accounts else where so it matters not if they close the account. MODERATED POST MOVED TO OWN THREAD PLEASE DO NOT HI-JACK A THREAD NO MATTER HOW SIMILAR IT IS TO YOUR OWN.YOU HAVE ALSO POSTED THIS SAME MESSAGE TWICE SO THE OTHER ONE HAS BEEN DELETED