Will send them an sar, and dispute letter thanks fellow saints supporter.

Hi Martin it looks as though it may have nationwide have not been in touch for years?

Hi there,consumer action group helped me out a few years ago with Bank Charges, and could do with your help again please, Myself and Wife have a dormant account with nationwide, back in 2010 i was peed off with being charged overdraft fee's and so on so i went to the branch in St Helens and handed over the Cards and cheque book and told them to close the account and freeze the Balance which at the time stood at about -£160od this was never done and the account racked upto -£499,48p od and was put in default i started a complaint against the nationwide and told them at the time i was out of work and this was unfair, basically i got a tough now pay up. I did not pay as i had asked for this account to be closed at a time when the debt of -£160 could of been paid if it had been frozen as requested. Since the complaint was fobbed off i have'nt heard a thing from them, however when looking at our credit reports they have been rolling the default date on so now it shows it was defaulted this month. Now i have received a letter off bryan carter solicitors saying they have afforded us the opportunity to come to some arrangement to pay the balance of -£499.48p. which they have not. Last year work and wages picked up for a spell and we cleared a few old debts going back to the 2008 recession. since this its like the vultures have noticed things getting paid and are swooping in for the kill. Last month i was laid off from work and now find myself back to a position i was in in 2008. Can you help with the best course of action please, i feel it very unfair to have been defaulted and to have to pay £499,48 when i tried to prevent the debt from esculating:!:. Somedays feel like going Bunjee jumping off Runcorn Bridge without the Bunjee, Thanks to some of these Financial institutions lack off support.

The Benefits of Having Your Own Caravan are,You Have A Weekend Retreat Whenever You Want,The Downsides Are The Ground Rent Is 3k+ A Year,Certain Sites will Only Allow Vans of A certain Age,Unless you are willing to let it out can be quite expensive.Unless money is no object,Some site owners are a law to themselves,see my post on What happened with my father in laws caravan,at a haven site. Hope this helps.

Don't you just feel it in your bones that the police will listen patiently before say 'it's a civil matter' and then doing nothing? I couldnt agree with you more,they would rather sit on a motorway than do proper work.

Cheers will let him know,i told him to go direct to the tabloids:smile: ,Mud Sticks,:grin: The dirty rotten scoundrels they are.If im not mistaken he did not default on the caravan loan!8-) So they have got something to answer to im sure.Also all caravan sites have keys to all vans (compulsery requirement) for safety reasons.But that dont give them the right to use it for parts.There was no sign of forced entry on the van in question so keys must have been used.

Cheers will let him know,i told him to go direct to the tabloids,Mud Sticks,The dirty rotten scoundrels they are.

Chears for your advice?

Thanks for that i will Let Him know.

Could anybody please help with a query,im posting on behalf of my Father in law,with reference to claiming unfair Charges levied on his caravan ground rent, at Haven Holidays haf any mor site in Wales these charges where added when he was in a Major financial rut,£100 per month +interest for failing to pay his ground rent.the same company still stopped him from using his caravan while in arrears until paid in full,and this same company took fixtures and fittings out of his caravan to repair other caravans on there site.Has anybody had a similar experience and does anyone know if he has a case>:?:This van Is owned by him and finance company.He paid £24000 for this van,£10k deposit and the rest was a loan hope this sheds abit more light on this subject.

Could anybody please help with a query,im posting on behalf of my Father in law,with reference to claiming unfair Charges levied on his caravan ground rent, at Haven Holidays haf any mor site in Wales these charges where added when he was in a Major financial rut,£100 per month +interest for failing to pay his ground rent.the same company still stopped him from using his caravan while in arrears until paid in full,and this same company took fixtures and fittings out of his caravan to repair other caravans on there site.Has anybody had a similar experience and does anyone know if he has a case>

Hello All you Bank Busters, could Someone please look over the following before i submit to moneyclaim, halifax are ignoring me:mad: ,prelim letters sent, LBA sent ,without interest do i print and send them this same info so they know what im claiming for now including interest from this point forward. 1. The Claimant has an account 0020**** with the Defendant, opened February 2001 2. Since 31/08/01 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £2860.00; (b) Interest per S.69 County Courts Act 1984 of 8% - £674.45 continuing at 8% until judgment or settlement at a daily rate of £0.62; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.£120:cool:

Head in The sand No Doubt after a rather crud year, pie eaters:lol:

:grin: Going All The Way For The Trebble?

Thanks for advice fellow SAINTS supporter.