Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!

[Myaccount]

Hi Everyone. I sent my court papers off on 13 April to claim back £2.5k from Nationwide. They acknowledged the claim and are defending it. It seems to be taking forever. I am counting the days and can only hope I won't be the unlucky one that it doesn't work out for. I only have a basic account with them. Keep your fingers crossed for me please. . .

[blidge]

Hi My account

Nationwide did the same to me, and the final day for them to register their defence is in abut three days time, yesterday they paid money into my accoun, and I received a letter saying they were not paying the full amount, and sent their schedule of charges, and they had calculated from April 2001, as it was six years from the date of their notification from the court, although I am claiming from end Jan 2001 as I first wrote to them in Feb 2007. Today I rceived a copy of their defence from the court, which states they are not paying me anything as I am not entitled to it, duh! they have paid me some of the money, so I will be going for the rest of the money. Tnhey appear to always respond at the 12th hour, so hang on in there you will get your money.

[Muffintop]

When I made a claim on behalf of my DIL they sent a copy of terms and conditions, I read it and recycled it, from start to finish the claim took 5 weeks but I only claimed £80 for her, she only had the account open for 4 months. they said they would close her account on 12th March but it is still open, I threatened them with the BOS if it goes to them they have to pay £250 to the BOS Banking Ombudsman Service,for investigating the complaint and compensation of £125 if they find they were acting vindictive which they were. still not received letter of deadlock from N/Wide to escalate it to the BOS so while the account is still open I can't do anything as there is no complaint.

when you handled your friends account claim, did you have to get written permission from her and then all the correspondance went directely via you?

[Muffintop]

Hi Everyone. I sent my court papers off on 13 April to claim back £2.5k from Nationwide. They acknowledged the claim and are defending it. It seems to be taking forever. I am counting the days and can only hope I won't be the unlucky one that it doesn't work out for. I only have a basic account with them. Keep your fingers crossed for me please. . .

they will pay up but it will be on the final day of the 28, you will prob receive a letter that day saying they are not going to pay you, then the money goes into your account or accounts if you have more than one to try to confuse you. By the way Iv now requested statements back to 1990. skeggsy

[Myaccount]

Thank you so much for your responses blidge and skeggs885. I really appreciate your support. I shall let you know what happens. Phewwww!

[trickyt]

Hey,

Well done to the Smiths and boy have you cheered me up. I have just got off calculating my interest after going to the line (40 days)after three attempts on my data protection act information. Now the figures are worked out and being sent off tomorrow with my claim for £1871.08. I am looking forward to posting my own good news in the very near future. I still haven't managed to work out yet how the Nationwide can claim to be 'Proud to be different'. They appear to be the same as all the rest of the buggers!8-)

[pestrick]

hi there, would you mind emailing or PM'ing me the nationwide defence they entered so that when my court date comes up I'm ready to pick holes in there defence? this should be on the online money site their defence? thanks for any help! really would appreciate it.

 

Pestrick

obviously blank out your details! ps i no longer have an account with them and after berwick yesterday think they may see it to the end so i need to be properly prepared! thanks!

[Muffintop]

Hya posted you a great long reply and unplugged my lap top to take into the other room to get my paperwork out so I could copy it ver batum. got back in here and realised it hadnt submitted. basically they didnt have a defense.. they pay you out on day 28 then you get a letter the same day to say they arnt going to pay you??? whats that all about.... then I wrote a letter asking what the refund was in relation to and asked them to confirm in writing, they were really sneaky and put the money into 3 different accounts I hold with them, I realise now this was to confuse any future claims and they have.... then the form comes from the court and their defense is basically that they have paid you out, which they have! hope that helps they wont have any other defense as long as you have done your figures right.

[ngaugeneil]

Well done and congrats

Just in the process of going to court myself:p

Only for £4.5K cant squeeze any more out of them.

[gigglemal]

Hi folks

 

Just wondering what the general consensus for my situation would be, as noted a previous poster missed out the LBA stage & went to MCOL.

 

The salient facts in my case are ...

 

Two FlexAccounts (first one is 'suspended' or 'frozen', partly due to massive amount of charges exceeding overdraft etc. ) for just under £11k & £1k (the latter account still being 'live')

 

Nationwide have failed to respond in anything like a timely manner to my S.A.R - (Subject Access Request) or Prelim Letter, in fact I had to ring them to gee them up. I still haven't received statements, although they sent me an abstract of charges (that I based my figures on), promising full statements within 7 days. Rung them again this week & they promised will issue all statements & respond to prelim letter.

 

I haven't claimed any contractual interest, for two reasons - not having the statements but also (optimistically) an attempt to incentivise a quick payment

 

As Nationwide have proved extremely unresponsive during the normal process (probably due to overload), I was wondering if it was worth just jumping directly to MCOL stage? I could then apply the 8% SI to my abstract of charges, and possibly save time in waiting to send a LBA and then be told to go forth and divide?

 

In the meantime, I'm waiting for these statements to calculate contractual interest - if I omit the LBA and issued MCOL, I guess I could revise my claim subsequently if there were discrepancies in the abstract of charges, or the contractual interest was significant?

 

Think this forum is fab BTW, don't know how people cope without it. To think some folks are paying some 'companies' 25% fees to reclaim!!

 

Cheers

[pestrick]

I have issued against nationwide via MCOL, its the ONLY way they pay (trust me). But you need to know your charges etc prior to doing so as you cant rely on n/wide sending you them in time, they wont take any early incentives either they will just repudiate your claim, refer you to the ombudsman UNLESS you issue. You have to get your statements and know your claim in it's entirety or they will take advantage of you during the litigation process. There is an interest calculator on the site somewhere. I heard they pay on the 28th day , the 11th hour. which is 12 days for me. My account is closed though so dont know how they are going to pay me! hopefully by cheque.

[gigglemal]

Hiya

 

Thanks for the reply & info, I don't think I wouldn't go any further forward until I had my statements and did the maths. Thinking of issuing a non-compliance if I have't received response by tomorrow, which is 40 days since they received my S.A.R - (Subject Access Request).

 

However, it's whether to proceed direct to MCOL without sending a LBA, and your reply has only galvanised my thoughts. Is there a precedent for this, as it seems a pointless exercise (to send a LBA particularly if I'm sending a non-compliance for previous lack of response) in reality, but could it be deemed as a lack of goodwill at court stage if I didn't send a LBA?

 

[McWILLS]

Hiya,

 

Unfortuantely the Nationwide seem to be delaying even more noe and they are even putting in a defence with some cases so they are not so quick at paying up. There are a few threads on here that the deadline for a defence has passed and they have not heard anything from either their Solicitors nor Nationwide. They have until the 13th June to enter a defence or pay up with my claim but as yet not heard anything. So am going to have to fight even harder for my money!!

[Muffintop]

just giving you some incentive, I GOT STATEMENTS FROM NATIONWIDE PRE 6 YEARS TODAY GOING BACK TO 1991, DID HAVE TO THREATEN THEM WITH INFORMATION COMMISSIONER Could open the flood gates at last?!!!

[tigerlilly38]

Hi Guys,

 

I'm new to this forum and am I glad I found it. Every letter I send to Nationwide they send back the same reply, Terms and conditions etc and we are not paying, not fair to our other customers. I was going to go to the ombubdman first before court action. Should I go straight to court action and not bother with ombudsman ???

[willowrose]

Hi Guys,

 

I'm new to this forum and am I glad I found it. Every letter I send to Nationwide they send back the same reply, Terms and conditions etc and we are not paying, not fair to our other customers. I was going to go to the ombubdman first before court action. Should I go straight to court action and not bother with ombudsman ???

 

 

in same position can anyone help ( sorry to hijack your thread !!! ) i was using a company to claim back charges this was

back in Jan but despite them saying the money would be in my account soon

etc etc i have heard nothing, i rang nationwide ( who i am trying to get the

charges back from ) and they say they have had no correspondence from

claim company at all, i have rang the financial ombudsmen and they said

they would deal with it free if i want to do a compalaint through them,

should i do this rather than go through the court process myself to try and

get my charges back from nationwide, do you know if the financial ombudsmen

have much success with these claims

many thanks

[Muffintop]

before you do anything else, read all the information on templates on this site and join the nationwide forum, read other peoples stories and start from the beginning making sure you get it right, otherwise it will not work. Dont bother ringing them or arguing with them, you do not need a company that you will have to pay you can do it with support. Start bu adding up your charges on the spreadsheet provided.

[moonlightvella]

can anyone help me we have just go through the court on friday so i assume the banks will be notified in the next 5 days is this correct then what happens next can any help !!!!!!!!!!!

[Myaccount]

As predicted, Nationwide paid up on day 28! They have allowed me to keep my account open but, of course, told me I have to keep my account in order in the future. I had already opened a parachute account but won't need to use it.

 

Thanks to everyone who responded to my previous posts asking for you to keep your fingers crossed for me, and to this site for all the advice and support. Power to the people eh?

[Myaccount]

Hi Guys,

 

I'm new to this forum and am I glad I found it. Every letter I send to Nationwide they send back the same reply, Terms and conditions etc and we are not paying, not fair to our other customers. I was going to go to the ombubdman first before court action. Should I go straight to court action and not bother with ombudsman ???

 

Leave out the Ombudsman. If you haven't already done so, just set out your charges in a spreadsheet, add the interest to each charge, total it all up and go straight to the Money Claim Online. I did, and as you can see from my previous posts, they paid up.

 

If you haven't already done so, take a look at the Martin Lewis Money Saving Expert web site at Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more

 

There is all the information you need.

 

Good luck!

[atop]

if you/or they don't close your account after a payout are you still charged on the same basis, if so do we need to go through this process every year?

[cruisecontrol]

Well done to you.

 

Not to put you off, but I had my claim acknowledged by Nationwide and they paid *some* into my account, the majority but not all. I'm still awaiting the rest, and there is no sign of it. It looks like I'm going to have to file judgement by default for the rest.

 

So keep an eye out for it and I'll keep my fingers crossed that they pay up the rest sharp-ish!

 

Bev[/quo Hi all this is my first post so be gentle with me ok. i have been through all the letter stages with nationwide to no end so i took them to court via mcol on the 5th june07 is was deemed served on the 10th june and acknowleged on the 11 june, what happens now as unsure what i have to do ,its for £4449 so taking it all the way , but do they give in and pay money into account or will i have to go into court please help thanks xxx

[pestrick]

HELP, i issued at 10 minutes past midnight for judgement so perfect timing yet they get in defence before 10am next morning when i´d already pressed judgemnt. their defence doesnt tell me anything but this

 

7QZ72910

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

 

is this normal and will i still get paid! i dont mind my day in court but what is going on they should have paid and i´m abroad dont know what their defence is. most people been paid on 28th day. i dont have acct with them anymore are they really goign to defend or just stalling me for another 28 days :question mark_ sorry foreign computer. am i going to go to court now or are they just stalling has anyone else had a defence from them then got paid _question mark?

 

please help!

[ngaugeneil]

HELP, i issued at 10 minutes past midnight for judgement so perfect timing yet they get in defence before 10am next morning when i´d already pressed judgemnt. their defence doesnt tell me anything but this

 

7QZ72910

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

 

is this normal and will i still get paid! i dont mind my day in court but what is going on they should have paid and i´m abroad dont know what their defence is. most people been paid on 28th day. i dont have acct with them anymore are they really goign to defend or just stalling me for another 28 days :question mark_ sorry foreign computer. am i going to go to court now or are they just stalling has anyone else had a defence from them then got paid _question mark?

 

please help!

 

this is the same situation as mine my 28 days was up on monday 18th june

at midnight i hit the win by default button on MCOL and it said my claim would by dealt with tuesday.

Tuesday p.m. it came back rejected as Nationwide had defended my claim.

 

i was told like you i could not persue my claim on line, and my mouth hit the floor.

YET TODAY WEDNESDAY 20TH JUNE £3320 PAID INTO MY ACCOUNT AND ENTERED AS CORRECTION STILL £1000+ SHORT SO ITS NOT THE END YET

 

I HOPE THIS HELPS YOU

[bjgseun]

hi guys,

Ia