Newbie :-/

[bondgirl_76]

Shes been a little Angel thanks Dolly, but just spent 2 days in hospital neo natal with her because she had a high temp and things seem to be on the mend now x

[bondgirl_76]

Just checked my moneyclaim online and see that nationwide have now acknowledged the claim so now have 28 days, when do you think they will pay up, dolly seems good at predicting

[bondgirl_76]

YAYYYYYYYYYYYYY they deposited money into my account, as corrections and cash payments they have paid me £47 short tho so will have to chase it up, that seemed quick???

[bondgirl_76]

Do i tell moneyclaim yet?? or wait until the £47 is paid up?

[silentcharisma]

wait untill next week.... you'll recieve a letter from nationwide telling you exactly how much they have refunded you if it's still short then send a letter saying you accept that as part payment and will await the rest.

[silentcharisma]

Oh and congratulations... hope you enjoy spending the cash... am sure it will come in very useful for the arrival of Maggie-Ella!!!

[bondgirl_76]

Thanks, shes been poorly and been in special care baby for 3 days, came home to find my account had 3k deposited in it, was very nice indeed

[bondgirl_76]

One more question if thats ok? Been hunting around the site and cant find anything to help.

What about charges for late payments from the likes of ACE gifts and cards, or LX direct, catalogues, comet ppl like that, can u claim those back?

[silentcharisma]

from what I've seen some people have been taking their catologues but I'm not sure if they have been successful or not.

I hope your little girl gets better soon. My twins Zach and Scarlett were six weeks prem and were in special care for a few weeks so I know how worrying it can be.

Take it steady ok.

[bondgirl_76]

Right, Got the letter today saying:-

I'm writing following your recent correspondence to Charles Bacon in which he asked us to refund charges to your account, refunded x amount in charges and x amount in lost interest etc blah blah.

 

PLEASE BE AWARE THAT THE INTEREST AMOUNT WE HAVE CREDITED TO YOUR ACCOUNT IS LESS THAN THE AMOUNT YOU HAVE REQUESTED IN YOUR CLAIM. WE HAVE THOROUGHLY INVESTIGATED AND CALCULATED THE INTEREST ON ALL THE CHARGES THAT HAVE BEEN APPLIED TO YOUR ACCOUNTS TO ARRIVE TO THIS FIGURE.

 

So that is where my £47 shortfall is, I am not sure what to do now, is this a standard letter? or have I worked out the interest incorrectly? any idea?

[redsue]

Why not ask them to show you how they arrived at their figure? You showed them yours (so to speak!) If they've fully investigated it, then surely this information will be easily available to them.

[vegyjones]

I sent an e-mail to Mr Bacon asking them to explain how they arrived at their figure.

 

I received a letter saying that as the claimant, it was my responsibility to know how much the charges and interest were.

 

This has left me in doubt as to whether I correctly calculated my unauthorised OD interest correctly, and wondering whether to persue the remaining £85 from a claim of £2500 in case they are right and I am wrong!

[redsue]

isn't that what they want you to think? putting a little doubt in your mind? But £2415 is a great amount of money to get back - congratulations and well done and I hoped you enjoy it.

[bondgirl_76]

who shall i email, and whats the address? thanks

[silentcharisma]

I think a fair few people have had that happen to them. Really its up to you if you persue it any further. I think I had a shortfall of £1.42 and just left it at that. Other than that I really can't say anything.

[bondgirl_76]

I wouldnt mind but its £47, does anyone know how i go about contacting them, email address?

[nicolashields]

Hi Bond girl

 

Charles Bacon has an email address, I sent a letter to the head office and copied it to him by email as they have paid me £200 short.

 

Email is charles1.bacon@nationwide.co.uk

[bondgirl_76]

Hi Nicola,

 

What was the reason they gave to you for paying you short?

 

Thanks Anna

[nicolashields]

Hi Anna

 

They said in their letter that they new the amount paid was less and that they had thoroughly investigatred and calculated all the charges that had been applied to my account.

 

In my email to Charles Bacon I have asked if he can give me a breakdown of the charges they have calculated, but looking at some other threads it doesn't look like they will.

[bondgirl_76]

Hmmmmm seems like a standard letter then! Worth demanding an answer then me thinks x

[nicolashields]

Definitely. I'll let you know if they reply.

[redsue]

If you've taken the time to illustrate how you arrived at your calculations then surely it's not an unreasonable request to ask Mr Bacon how he arrived at theirs!

After all they're the ones who been 'looking' after our money all this time ;-)

[debt_mountain]

hi, I am in the same boat, got 5K back but still £500 short. I am just going to leave the claim as partially paid and they will need to give me a breakdown of why the shortfall.

 

If they justify it then thats ok, NOT.

 

Will send the "thanks for the part payment.....but see you in court" letter recorded tomorrow and by email.

 

I will probably also call them.

 

I will let you know what happens.

[debt_mountain]

I phoned the number on the letter saying they had short paid me 01793 712603 and was put through to another department. Very polite and helpful people.

 

They said that the shortfall would be put into my account today...

 

I had sent my "thanks for the part payment ....so you in court" email first thing to Mr Bacon so don't know if that helped. But I just asked and no questions were asked.

 

They implied there was also a letter in the post about the additional missing funds.

 

Cooool.

 

Second claim can now commence....request sent recorded today.

[nicolashields]

Thats good, news. I haven't had a response to my email to Charles Bacon yet, but my court claim is still open so hopefully i'll get a response to the letter early next week.