Hi Yes all correspondence has been addressed to : Alliance and Leicester Credit Card Insurance Services Department Chester Business Park Chester CH4 9FB Do I Mark the N1, or will it be rejected with the 2 names. Alliance and Leicester Credit Card MBNA Chester Business Park Chester CH4 9FB Many Thanks Paul

Hiya Just about to send my N1 off. Which address do I put down when it is the credit card not bank account for the Alliance and Leciester ? Also, do I address it to MBNA or A & L ? Thx Paul

And how exactly do expect to get 24.9% Are you suggesting i carry on with my claim or did i miss the point ?

You cant make it any more simpler than that !! Actually I worded the question wrong !! I knew they would want it back, I was just wondering what the implications would be. I am tempted to take the money out, chuck it into Premium bonds, then when they ask for it back, they normally give you a month to do it, then cash in the bonds and pay them back, in the mean time, you never know, i may of won a few quid !!

Hmmm I am very tempted to let this go now. Maybe this is a chickens way out, but as you say, it is a very grey area and maybe a risk too far. As a matter of interest, what would happen if i took all the money out they have paid me which will mean me being £1600 overdrawn ? Would they demand the money back or what ? Has this been done ? Cheers Paul

Gary, thx for your detailed reply. You now have me worried slightly. I have to say, when it comes to any legal talk, I am severly lacking. If you think this could possibly go in front of a judge and for me to argue the case in a legal way, then I would probably not be able to do it. On the other hand, it is for appx £1300, so is not a small amount of money, so I don't want to give up easily. On another hand (Blimey, how many hands do i have !!) I don't want to lose anything i have. Based on this reply, what do you reckon ? Thx Paul

Okay Attached is my POC My wife has the defence at her work so i cannot scan it in, but this is what it says "I dispute the full amount claimed as shown on the claim form dispute because you have already paid it .. yes i paid £2387.24 on the 1/3/2007. details: Charges totalling £1724.00 have been refunded to the claimants account on the 28th February 2007. The further sum of £120.00 in respect of the court fee of £120.00 and interest of £543.24 was also credited to the claimants account on the 1 march 2007. Defence The defendant has refunded all charges debited to the claimants account since 9 feb 2001 that had not previously been refunded. Insofar as the claim relates to charges debited to the claimants account before 9th feb 2001 it is barred by virtue of the provisions of the limitations act 1980. The claim for interest at the rate 24.9% is denied. The defendant has paid the claimants simple interest at the rate of 8% per annum from the date on which the charges were debited to the claimants account to the date of the refund. The claimant believes that the interest paid is sufficient to compensate the claimant for not having access to the funds during the above period. No further sums are due from the defendant to the claimant." What do you think, do you need anymore info ? Thx again Paul nat wide n1 poc for website.doc

Ahh, okay, I will do that at lunch time, if you could reply to that, i would be most grateful Cheers Paul

Thx Gary, I will be able to do what you want at lunch because i will scan it all in. What does POC stand for ? I will also post the contents of the defence as it may help others rather than PM. Thx Paul

Thx Gary I appreciate you helping out Thx Paul http://www.consumeractiongroup.co.uk/forum/nationwide/52581-wilko-nationwide.html?highlight=paulwilko

Hello all I am just about to fill in my AQ. Nationwide have ticked the box that says they have paid me. Infact they have only paid what they believe to be the right amount, not the amount i believe they should be paying which includes contractual interest at the unauthorised rate of 24.9% I have not had any offers or correspondence from Nationwide, they just paid the money into my account which i have left alone. Can you please explain what exactly is the draft order and why i need to send it and also how do i word the AQ stating that i have only had part settlement ? I do have the Section G Other Information which can be found on page 11 post 206 of this thread written by Gary but was wondering whether anything needed adding regarding their partial payments made to me ? I would appreciate any help you can give me as i need to get the AQ in the post wednesday the very latest Thx Paul

Mine was deemed served on the 14th Feb, they paid all charges and 8% interest on the 28th to give you an idea !

THx Redsue I will look at that thread and I hope you get your's sorted Cheers Paul

Thx for your reply. I won't touch it then ! Just sent the refusal letter. Your claim is going on and on isnt it. Did you make a mistake that has made it drag on like this or is it something i can expect now ? I will be filling out my AQ soon Cheers Paul

Hiya I have been paid some but not all of my money. They still owe me the rest of the interest but that is going to go on for a little while because i need to do my AQ and so on !! Anyway, is it okay to touch the money i have or should i leave it be ? What are the pros and cons ? Cheers Paul