Hi, new-ish. Young V Nationwide

[Bev77]

Hi

 

I've just started to get the ball rolling with claiming my bank charges from Lloyds TSB, but I've had the account with them for around 10 years so have just sent off the Data Protection Act letter.

 

I've not used the account in just over a year, as I was over my overdraft and my wages were not even covering what I owed. So I opened a basic Flexaccount with Nationwide.

 

I just thought that I'd have a look at the charges I have had with my Nationwide account since opening it, and they come to £714 since April 2005.

 

I'd like to claim these back, but I really don't want my account to be closed, as I have a really bad credit rating and would find it hard to open another account anywhere else.

 

Therefore I have a few questions.

 

How many people have had their BASIC accounts closed by nationwide? I've just read the other thread that was asking this, but varying people have varying accounts, I'm interested in just the BASIC FLEXACCOUNT.

 

Since it's only been 1 year that I've had the account, I don't need to send the DPA letter as I have full access to my statements online. I take it my next step is the Preliminary Approach for Repayment (PAR)?

 

Any help appreciated

 

Many Thanks

Bev

[bram stoker]

£714 is a lot of money and rightly so that you should claim for it. It is unlikely that your account will be closed, but always possible. Even past experience cannot dictate what the banks tactics will be in the future.

 

A Natwest step account apparently is simple to open, and they don't appear to do a credit check, as they do not offer credit facility, i.e. an overdraft. I believe there are others like this.

 

Good luck.

Vamp.

[Bev77]

Hi Vamp,

 

The account I have is a Flex Account, but it is a basic one, as they do not offer overdraft facilities and they didnt do a credit check when I opened it, although they do allow direct debits.

 

I think the Post Office do a similar account, so will look when I go out today.

 

Many thanks

 

Bev

[Bev77]

Hi,

 

Quick question - The schedule of charges that needs to be sent with the Prelim letter, is that just a statement with all the charges on? So could I, download all my statments and highlight the charges and send that? Or have I got it completely wrong and it's something totally different?

 

Cheers

Bev

[bram stoker]

Hi,

 

Quick question - The schedule of charges that needs to be sent with the Prelim letter, is that just a statement with all the charges on? So could I, download all my statments and highlight the charges and send that? Or have I got it completely wrong and it's something totally different?

 

Cheers

Bev

A schedule listing the charges with dates and details, and totalled is more appropriate than highlighted statements, unless there are only 2 or 3.

[Bev77]

Hi me again, sorry.

 

I've only been with them for just over a year, so there won't be a lot of statements to go through.

 

Otherwise where/how would I get a schedule of charges?

 

cheers

[bram stoker]

You just list them from your statements and total them up. If it's a few then by hand using a calculator will be fine.

[Bev77]

And just type them out into word and print it off?

 

Many thanks for your help.

[Bev77]

Another question, sorry. At what point do i include the 8% interest charges? Do I need to send that with my prelim letter? Can I print the spreadhseet and include that?

 

thanks again.

[callumsgran]

Hi Bev, no the 8% int goes on at court claim not before ok? and just to say that natwest step account do do a credit check! ive just opened one and ive got very poor credit rating and it showed up on my credit report, i still got the account tho so dont worry! if you do internet banking co-op cashminder is better than stp a/c:)

[Bev77]

Thanks very much for your help cillitbanger.

 

I'll go have a look at co-op now, and see if I can get one of those.

 

Thanks again

 

Bev

[callumsgran]

You're very welcome, good luck:)

[Bev77]

Hi,

 

Hope someone can answer a quick question for me. I've typed the letter and included the schedule of charges on a seperate sheet and it's all waiting to go.

 

I checked my account this morning and found that I had a DD returned about a week ago, but I haven't been charged for it as yet.

 

How would I get this included as well? Is there any way, or is it a matter of just waiting until I get charged before sending the letter?

 

Any help/info appreciated.

 

Bev

[bram stoker]

You can only ask for what has been taken, although the figure can be amended when you raise your court claim. When you receive notification that they will take further charges, write to them and request that they don't.

[Bev77]

Ok, thanks for that. I thought it could be amended at the court stage, but wasn't sure if there was something I could add to the letter, like 'plus any further charges that may arise' or something similar.

 

It's a pain, cos I know that at the end of the month I'll get another £30 charge.

 

Oh well,

 

Thanks again.

[dolly]

In addition to this, I just wanted to add that it is very likely your Flex account will be closed even if it is just a basic account. I have a full flex, basic flex and numerous others and Nationwide are closing them all down, so do set up that other account.

[Bev77]

Thanks Dolly,

 

I've applied for a basic co-op account but it has to be referred - not sure why.

 

I've just got to wait for a week to see if I have got it now.

 

If it comes to it, I have an ancient Lloyds account that I can use.

 

Thanks for the info though.

 

[Bev77]

I've applied for a Natwest Step account and got all the bits through today, just gotta sign and return. Does this mean that I've def got the account now? Or can they still refuse it?

 

Also how long did you wait to get your standard 'go away/nothing we can do' letter? Granted, it's only been a week, but seems a lot longer, and usually these letters come out sharpish, don't they?

[Bev77]

Right,

 

In this mornings post I received the standard 'go away, we're not paying you your charges, you agreed to these when you signed up, blah blah blah' letter signed by Deborah Desborough, which does tbh, look like it was signed by hand!

 

Am I correct in thinking that my next step is the LBA?

 

If so, I'll get it typed up and sent this morning.

[callumsgran]

Yep send off your lba, how did you get on with co-op a/c? mine was referred but i still got it!!

[Bev77]

It was referred and I didnt think I'd get it so applied online for a Natwest Step account. Got the letter from Natwest on Tues, signed it and sent it back yesterday and got the letter from the Co-op saying I had their account this morning.

 

Oh well, better to have 2 parachutes anyway, just in case the first one doesn't open! LOL

 

Thanks for that. Have just typed the letter up and I'm off to send it now.

 

Cheers once again!:grin:

[Bev77]

Quick question - As it is a joint account, when sending the letters do I need both signatures? Or will just one do?

 

If so, I'll have to wait until 'im indoors gets home before sending it.;-)

 

Edited to say - dont worry just found the answer!

[Bev77]

What's the difference between Moneyclaim and taking it to local court? Like in respect to timescales and stuff? I've noticed that more people are going through Moneyclaim. Is there a specific reason for this? Is it quicker? Easier? More protection?

 

Unfortunately, I don't have a credit/debit card so can't go through Moneyclaim, so will have to be local court. Just wondered if there was any difference.

[Bev77]

Other than these ridiculous charges, Nationwide have been really good and I dont really want my account to be closed.

 

At what point do I put in writing the 'FSA retaliatory' bit?

 

Any help appreciated

[Tobes]

People use MCOL because they can do it from the comfort of their own homes