I won!!!

[georgie_girl4]

Hi

 

Could some one help me as i am confused, I want to start action against the nationwide and the charges they have incurred to my account over the last six years.

 

Do I just fill out the prelimainary claims form and post it into this room? or do i print it off and send it to my bank?

 

Please help

 

Georgina

[dolly]

Have you read the FAQ's questions?

 

The letter templates you need are in the Library section, there is a step-by-step guide in the FAQ's.

 

And you print the letter off and send it to your bank. :?

[georgie_girl4]

Thank you very much and sorry to be a nuisance

[moxie]

I'm also fighting Nationwide over charges. They completely ignored my first letter, it was only when they received my second letter threatening legal action in 14 days, that they answered me and gave me a partial refund. I wrote to the branch manager both times and also copied in the head office, there is a contact name at the top of this thread I think. Good luck!

[richardc]

Moxie,

 

PLEASE START YOUR OWN THREAD.

 

Welcome!!

[georgie_girl4]

Hi all,

 

I have sent the letter before action to the Nationwide on March 13th, also I sent the bank a message via the internet asking them not to add any more charges to my account. Usually the nationwide replies to my messages within 5 days this time however they did not, and that makes me kind of glad

 

Gina G.

[georgie_girl4]

Hi all

 

This is the letter I had sent back to me by the Nationwide this morning in response to the letter before action I sent March 13th, do I now start with the court proceedings?

 

Thanks Gina G

 

.........................

 

Dear Mrs G

 

Your letter of 13th March has been forwarded to me by Bognor branch as they have been unable to resolve your concerns I am sorry that you have had problems managing your account that have lead to high level of charges being debited.

 

The charges were of course avoidable through responsible account management and have only been levied because items have been returned or your overdraft limit been exceeded.

 

In common withmost providors, we make charges in these circumstances.

You agreed to our charges signing the Flex Account application form, confirming acceptance of the relevant terms and conditions. Our charges have been levied in an apppropriate and transparent manner and in accordance with the Banking Code.

 

Details of interest rates and charges are set out in a leaflet called 'Flex Account Interest Rates and Charges' freely available in branches and included in the Flex account information pack.

 

If at anytime changes are made to our tariff account holders are always advised of the new charges. Members are pre-notified of pending charges, and the reasons for them, with their monthly statements. In relation to other organisations, our charges are very competitive and are some of the lowest in the market.

 

I regret therefore that I cannot agree to your request to refund your charges and interest.

 

I can be contacted at the above address and telephone number. I enclose a leaflet explaining our internal complaints procedure. Please also refer to the paragraph at the end of this letter.

 

Yours sincerely

Matthew Ralph

West sussex area office

[BankFodder]

If the letter you sent was a 14 days letter before action then begin the claim at the expiry of the 14 days.

[georgie_girl4]

Is it work speaking to this Matthew fella or not?

[monkey_uk]

No, they've had their chance.

[BankFodder]

Do not speak with them. they will try to offer you a compromise or mislead you in some way.

[georgie_girl4]

thank you for the replies much appreciated, but i still wait until the 14 days are up before going further with this matter?

 

Gina G

[monkey_uk]

thank you for the replies much appreciated, but i still wait until the 14 days are up before going further with this matter?

 

Gina G

 

Correct.

[georgie_girl4]

Thanks

[martinwhite]

Our charges have been levied in an apppropriate and transparent manner and in accordance with the Banking Code.

 

What does the Banking Code say about charges?

[georgie_girl4]

I am not sure to be honest, but the fact is irresepective of what it says bank charges are unlawful because of their nature, or at least thats what I am lead to believe.

 

Gina G:)

[martinwhite]

Just downloaded the March 2005 version of the Banking Code. There's nothing in there about charges whatsoever.

 

So this is an inaccurate statement from the bank, designed to make you think that they are operating lawfully.

 

M

[Bookworm]

And that it's all your fault anyway, you bad georgie_girl4 you!

[georgie_girl4]

yippeeeeeeee thanks guys that makes me feel much better.

 

Gina G XXX

[georgie_girl4]

would i lose the case if i didnt wait 14 days? fact is they have had their chance and i have just been told by the bank this will be their only response.

 

I dont want to wait 14 days?

[BankFodder]

Then don't wait. And don't forget to let us have your claim details for our litigation section.

[moxie]

Just downloaded the March 2005 version of the Banking Code. There's nothing in there about charges whatsoever.

 

So this is an inaccurate statement from the bank, designed to make you think that they are operating lawfully.

 

M

 

Nationwide sent me a hard copy of the banking code (March 2005). Section 5 is about charges.

[monkey_uk]

would i lose the case if i didnt wait 14 days? fact is they have had their chance and i have just been told by the bank this will be their only response.

 

I dont want to wait 14 days?

 

To be fair gg, I'd wait. It'd be a shame to lose on such a technocality (sp?). You've said they can have 14 days, so give them 14 days is my opinion. The more that you can prove in court that you havde been reasonable with them, the better it will look to the judge.

[Dave Johnson]

Don't get paranoid Girl4

Standard

I have had one reply.

The press are ready for them. :twisted:

Which branch?

Don't get mad, GET EVEN

Palma ham, if you are reading, turn up for the shock of your life.

Cheers

Dave

[georgie_girl4]

OK I think you are right I shall wait

 

Gina G