Suzy H v Nationwide ***SETTLED***

[Suzy H]

Hello everyone

 

New girl on the block so thought i'd just say hello I have been reading all your posts for a couple of weeks now and am in the process of opening a new basic account with the Nat West (so I have an account when they close this one). Fingers crossed this goes well as I have a very poor credit rating

 

I thought I was ready to go but have just discovered the 'Scotland' forum so although i'm kinda back to square one on the swatting up ... ah well ... my enthusiasm for getting my money back has not gone ... woo hoo

 

Like everyone starting out - I am very nervous but with your support and words of wisdom I guess things will get easier.

 

Good luck to everyone and I look forward to updating you all with my progress

[dolly]

Hi and welcome to the forum - we're a friendly bunch on here

 

Please do keep us updated and we can help you whenever we can - have you any idea of how much you are claiming back yet?

[ladymoonray]

Hi Suzy. Don't be discouraged: I have a terrible credit history, but I got a Step account with Natwest with no problem. I have my fingers crossed you'll get one too!

[melc]

Hi - I've also started a claim against the N/wide and am also in Scotland so will keep reading to see how you get on. Best of luck

[Suzy H]

Hi guys

 

Thank you so much for the very warm welcome

 

Dolly ... I think since opening my account in Dec 2003 i've probably accumulated charges on my Nationwide account for about £1500 (as a conservative guess) -which would really go a long way just now as I am unemployed & about to start a uni course in Oct (however I WILL make a donation).

 

Ladymoonray ... please keep those fingers crossed for the 'Step Account' as I need all the help & luck I can get right now

 

melc - I also wish you good luck on 'your quest' - as soon as I start my proceedings I will update this thread - look forward to reading your updates as well.

 

Thanks again for the warm welcome x

[Suzy H]

got a letter from NatWest today saying I now have an account with them so have got my Data Protection letter printed off and am now off to the post office to get a £10 postal order. I'm sending it special delivery to Gary Parkins in Northampton.

 

I have also printed off the Consumer Credit Act letter and am sending it off with my £1 to 'Moorcroft' (man are they nasty people so i'll enjoy that one lol)

 

I'll keep you posted on my progress

[Suzy H]

I received a very nice letter of acknowledgement from Nationwide this morning from Sue Taylor - Data Protection Administrator so just waiting for statements now

 

As of yet i've not heard a peep from Moorcroft but so far my 5 calls a day have gone down to zero so fingers crossed the nasty threatening court letters and phonecalls have now stopped

[davisc02]

Got my letter a few days ago, i'm starting the 40 days from when they signed for it on 12/07, only 32 days to go:o ...hate this waiting!!!

[Suzy H]

Hi - not sure if I should start a new thread as it is about Moorcroft and not Nationwide or if I should continue with this thread as this is now mine (sorry if i've done it wrong)

 

Anyway ... after reading 'hagenuk's' reply to 'ianfms's' 'moorcroft debt collectors' I am now confused (ok not a hard thing to do with all the info i'm trying to take in at the mo lol) I posted my CCA on 14th July and Moorcroft recieved it on 17th July so am I now right in thinking that if I haven't heard anything by 29th July (12 days after receipt of letter) they have to obtain a court order to resume collecting the debt and if I still haven't heard anything by 16th August (30 days after receipt of letter) the debt becomes unenforceable!?!

 

Sorry if it's a really obvious question - it's just that until I read that post I was under the impression they had 28 days to provide the info.

 

Thanks in advance for the help

 

Davisc02 ... I to hate the waiting but glad in a way so I have time to compose myself between each stage lol

[rotaryboy]

If you have access to internet banking for Nationwide, they have a very handy feature which enables you to see all charges and associated interest as a list of transactions.

[davisc02]

Hi,

 

How do you do that?

[Suzy H]

Hi 'rotaryboy' - thanks for that just had a look at my statements back to June '04 and I nearly fainted £3111.86 in charges I opened the account in December '03 so will need to wait and see if there are other charges to go on final total.

 

It's a shame we (in Scotland) can only claim in £750 bundles ... this is going to take forever trying to get it all back but after seeing that figure it will totally be worth it as that figure alone can clear off a big chunk of my existing debts - what a fantastic feeling that would be

 

Good luck on your own quest

 

'davisc02' did you find your online statements & list of charges ok?

[davisc02]

I downloaded back till April 2004 with the individual downloads I was just a bit confused with the "list of charges" bit, is this just the page that comes at the end of the monthly statement? The way Rotaryboy said it seemed as if you could just somehow display online a list of charges which I can't see how you can do.:-|

 

Cheers

[Suzy H]

Hi davisc02

 

Yeah that's what I did as well as I couldn't see where to download as a list of charges either .

 

Still waiting for my statements to be delivered but can't believe total so far!

 

Good luck

[Suzy H]

Just sent my preliminary letter off this afternoon for £2786.87 - it's amazing how those £30 all add up.

Looking forward to getting this ball rolling

[dolly]

Great new, that's a nice sum to get back

let us know how they respond!!!

[rotaryboy]

Sorry, haven't been on for a few days!

 

If you go into the full statement page online, you can select the type of transaction (including charges applied) and see all the charges incurred for a given period. You can only go back 15 months online if memory serves, but it is a good starting point.

[Suzy H]

received my 'thank you for getting in touch about your charges ... but you're still not getting your money back' letter this morning from Sarah Watson.

 

So now going to send off my 'letter before action.' I'm another step nearer to getting there Still positive but of course looking forward to the end.

[Suzy H]

Posted my Letter Before Action and it was recieved on September 07th. Still no word from Sarah Watson but hoping to hear from her before the 14 day cut off (21/09) - cutting it fine I know

 

I'm totally expecting it to be the last of the 'take a hike' letters so i'm going to have to get my head round the court stuff now :o

 

I'll let you know when I get my LBA reply and hopefully you will be able to help me with the paper work etc

 

Thanks for all your support and encouragement so far - it really has been invaluable.

[dolly]

We will definitely help - don't submit the claim until someone has checked over it, just post details on here and we'll make sure everything is ok.

[Suzy H]

mmm - ok ... nothing from Nationwide Is it 14 working days I should be waiting? If not what do I do now - do I 'respectfully' remind them or just go straight for court claim?

 

Any help appreciated

[Tazz]

14 days in total Suzy - then on with the claim!

[redsue]

Me too Suzy - I've not heard a sausage from NW from my prelim letter which they received on 7th Sept so I'm sending my LBA out today, then waiting another 14 days till MCOL...

[Suzy H]

Moneyclaim ready to go so hopefully i'll have the £120 for the court fee on Wednesday

 

Excited but nervous now

[Suzy H]

MCOL just this minute filled in and submitted Checked and double checked all the details I entered so fingers crossed everything goes smoothly from here