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-------------------------------------I Won!!!----------------------------------------------------------------------------------------------------------

Checked my bank account on Friday night and 3 amounts were credited to the account -

£1951.50

£321.95 interest

plus £62.00 court fees

Total £2335.45

Had to split my claim due to the small claims limit in NI being £2000.. Getting ready to start 2nd part. Thanks for everyones help so far....Will donate when I get my parachute credited.Vee

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Congrats.... Well Done.:lol:

Enjoy YOUR money. :-)

Data Protection Act sent to Nationwide 19/05/06.

Statements received 24/06/06 - Charged £1,954.50 :eek:

Prelim letter sent to Charles Bacon 27/06/06 :)

Cannot refund letter from Sarah Watson 07/07/06 :rolleyes:

L.B.A. sent to Charles Bacon 18/07/2006 ;)

Claim deemed filed 30/08/2006 8)

* REFUND TIME * 15/09/2006 :p

*£1945.50 + £443.37 interest + £62.00 Court fees*

** DONATION MADE **

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Thanks folks! A few bills to pay but will have a decent Christmas! Will be organised with the 3 kids sorted before December - all being well....

ps could you just confirm that I need to send a request for repayment of charges, or should just go for the LBA for the rest of the claim?

Thanks Vee

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JUST BUMPING

Thanks folks! A few bills to pay but will have a decent Christmas! Will be organised with the 3 kids sorted before December - all being well....

ps could you just confirm that I need to send a request for repayment of charges, or should just go for the LBA for the rest of the claim?

Thanks Vee

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I would send a prelim letter giving them 7 days.

Allow 2 days for postage then send your LBA.;-)

Data Protection Act sent to Nationwide 19/05/06.

Statements received 24/06/06 - Charged £1,954.50 :eek:

Prelim letter sent to Charles Bacon 27/06/06 :)

Cannot refund letter from Sarah Watson 07/07/06 :rolleyes:

L.B.A. sent to Charles Bacon 18/07/2006 ;)

Claim deemed filed 30/08/2006 8)

* REFUND TIME * 15/09/2006 :p

*£1945.50 + £443.37 interest + £62.00 Court fees*

** DONATION MADE **

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Hi Shell,

I am still new at this but would like to offer my advice from what i have learnt in the last few weeks, if i may. Your experience sounds exactly the same as mine, word of word. I feel that your next step is to complete a moneyclaim online (small Claims Court). This can be found at www.moneyclaim.gov.uk . Info on how to do this is at http://www.consumeractiongroup.co.uk...lain-line.html

PLEASE SPEND TIME READING ABOUT YOUR NEXT STEP, IT IS SO IMPORTANT YOU UNDERSTAND WHAT YOU ARE DOING. There are so many helpful people on this site, just make sure you ask questions and read lots.

 

Does this help at all? Let me know if you need anymore help.

 

Good luck in your next step not that you'll need it, just follow and read the correct advice from people who have won their money back.

Kind regards Mark

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hi Shell,

 

Sounds the same as my case, word for word. This is the advice i was given so i hope it helps you.

 

You'll need to submit a MoneyClaim online (Small claims court) this is at www.moneyclaim.gov.uk. Info on how to do this is at http://www.consumeractiongroup.co.uk...laim-line.html

 

Does this help at all? Let me know if you need more help.

 

Regards Mark

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Sorry everyone the 1st link didnt work the ones on message above do. Told you i was new to this. Sorry again Mp

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Oh im so sorry, i have sent it totally in the wrong place. I was getting brave and going to help someone only to end up causing trouble.

 

Really sorry vnk, i will be more careful in the future.

 

Regards Mark

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hiya Mark - dont be silly...I didnt mean to be blunt!LOL.Just had to point you in the right direction...Sometimes when you post you dont get a reply when you want ...so it does help if we all stay on the right track!That way nobody gets lost.Dont let me stop you - its great to learn a bit of the ropes and that way we can help eachother!Might run into you again.Vee

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sorry to tell you I am at the MCOL stage with my second claim and they have til end of next week to file a defence.

 

I think they may have started to payout as I received £500 overnight.

 

I reduced the time between each stage to 10 days as thought I could justify to the court this was resonable as they never actually replied to my last letters for claim 1.

 

Next time I would go for 7 days. I have read that someone just went straight to the MCOL for claim 2.

 

Good luck

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