Richard414 v Nationwide

[Richard414]

I joined last night and its taken me some time to figure out how to post a message but here goes.

I sent a private message first to Allyxia who has suggested that I modify it and start this thread. I come to this forum having found out about unlawful bank charges via the Money Program. Having worked out that the Nationwide owes me £ 782 for the last five years for which I have full statements I averaged out the sixth year and wrote to them using a template letter from the Money Program website. They have now replied dated 22 December with a standard letter similiar to the ones I read last night on the Nationwide forum. Prior to last night I had prepared form N1 again from details obtained on the Money Program website and was going to lodge a claim at my local county court for £923 being the charges only for five years and the estimate for the sixth year. I now see that you can claim interest on these and in my case I would be happy with the 8%.

 

Now for my questions please. First I am still not clear when the 8% interest charge is added is it at the time I lodge the N1 form, If so do I then have to write again to the Nationwide to notify them of the full extent of my claim or do the court just send them a copy of the N1 with my statements and a schedule I have prepared.

 

Second I note the advice about a parachute account, but with regard to the Nationwide should I begin to close down my flex account and e-savings with them before I lodge the N1 form in anticipation of them closing my flex ( current ) account once they receive notification from the court. If so any suggestions as to another bank to use please. I would like to retain a debit card and internet access.

 

Finally I had already filled in the N1 form along the lines that suggested on the Money Program webstie but having seen your own version of the N1 form I can see it is more comprehensive and would like to use this as a template. However, I am having some difficulty in printing it off as the right hand side margin does not print correctly. Any suggestions on how to make a full print of the page would be much appreciated. Finally and then thats me finished for now. I do intend to read as many threads as I can for the next few days before I move on to the daunting prospect of lodge my claim with the County Court

 

Thanks to All

 

Richard414

[Deller]

Hi and welcome to the site,

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

 

 

 

Now for my questions please. First I am still not clear when the 8% interest charge is added is it at the time I lodge the N1 form, If so do I then have to write again to the Nationwide to notify them of the full extent of my claim or do the court just send them a copy of the N1 with my statements and a schedule I have prepared.

 

The 8% interest is reclaimable under section 69 of the County Courts Act and you're correct in thinking that you can only claim this at the court stage.

You should prepare three copies of the N1 form, when you take these to the court they will be checked and stamped, there will then be one copy for the court, one for yourself and one which you must issue to Nationwide.

Second I note the advice about a parachute account, but with regard to the Nationwide should I begin to close down my flex account and e-savings with them before I lodge the N1 form in anticipation of them closing my flex ( current ) account once they receive notification from the court. If so any suggestions as to another bank to use please. I would like to retain a debit card and internet access.

 

I wouldn't jump the gun and go closing down accounts as this is not what always happens when you claim against your bank, they didn't close my account. It is however certainly advisable to open the parachute account, the last thing you want at the end of this is to be left with no bank account at all.

 

Finally I had already filled in the N1 form along the lines that suggested on the Money Program webstie but having seen your own version of the N1 form I can see it is more comprehensive and would like to use this as a template. However, I am having some difficulty in printing it off as the right hand side margin does not print correctly. Any suggestions on how to make a full print of the page would be much appreciated. Finally and then thats me finished for now. I do intend to read as many threads as I can for the next few days before I move on to the daunting prospect of lodge my claim with the County Court

 

Sorry but I can't help with this as I filed my claim through MCOL, however you could always fill in the form by hand.

 

Thanks to All

 

Richard414

 

All the best in your claim!!

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

[Rooster-UK]

Hi Richard,

 

You are classic.

You want to take the bank to court for a guessed sum of money, when you have made no attempt to find the true figure.

Have you sent the preliminary letter?

Have you sent the letter before action?

On this site we have well-tried and tested procedures which, if followed to the letter, will ensure that your claim is successful.

Over the nearly 12 months that this site has been in existance, we have spent many, many man-hours devising and developing answers to every defence that the banks have tried to use.

We have so far been 100% successful in reclaiming charges.

We have even managed to salvage claims where the user has made a complete pig's ear of the claim by not following OUR procedures.

 

Reading your FIRST post and what you are doing/planning to do. I have to say that you might as well forget about it, because you are going to LOSE your claim.

 

Does that sound harsh to you? Yes? Good!

 

NOW I'll tell you how to win your claim.

 

If you want to claim back 6 years, you must have six years-worth of data to work on. If you don't want to get that extra year's data, then limit your claim to 5 years.

 

Now, throw away your N1 form... you're not ready for that yet.

 

Send the Data Protection Act SARs letter which you will find in the templates library. Don't forget to enclose the £10 fee.

While you are waiting for your account info to arrive, Spend all the time that you can reading the FAQs and the step by step guide in the library section. That will answer most of the questions that you haven't asked yet.

Start your own thread in the Nationwide Forum and post any questions and progress reports there. That way we can ensure that any advice that we give you can be tailored to suit your claim.

 

Remember that this is a self-help forum so you will only get out of it, what you put in.

Your claim.....Your money.....Your homework !

 

Now after all that, I'll ask you a question.....

 

Are you a winner? Or a loser? ...... Your call.

 

Good luck with your claim.

 

 

Regards, Rooster.

[Rooster-UK]

Good to hear, Richard.

If it's worth doing, it's worth doing properly.

 

You'll be fine. any problems just holler on your thread. the answers won't be far away.

 

Regards, Rooster.

[Richard414]

Thanks for your further reply Rooster . I have tried to print off the Data Protection Act letter from the Template Library to get the ball rolling but I am still experiencing problems with the print out not including al the page on the right hand margins. Any suggestions on how to obtain a full page printout would be very helpful. Thank you

 

Richard414

[MARTIN3030]

Richard we do not seem to have had any reports of problems with this in the past.

Therefore it is likely to be your printer settings.Go into your printer settings click properties.....then settings.....then layout.

You should have a look at those I cant really suggest any other reason for this.

Will move your post into your bank thread too where others will be more able to advise,being fellow bank group claimants.

[MilkTrayMan]

Hi Richard414!

I know this may sound like I was daft...

But after reading and re-reading zillions of threads on here,

and in all my excitement to send off my very 1st S.A.R.

...I actually FORGOT that I could copy/paste/alter/print the Template Letter and literally re-typed it out word for word myself!!!...lol...:o

 

Sometimes the slowest way...is the quickest way!...lol

[Allyxia]

Hi richard Im glad you started your own thread like I suggested well done. Now otehrs can offer you helping hand along the way as well.

 

I see you have already had some friendly advice from the other on here!

 

How you got on so far with your DP letter did you get your printers margins sorted?

[Richard414]

I have now set-up a parachute account with the Alliance & Leicester for which the papers will come through in the next few days. I have decided to limit my claim to the last five years plus one month for which I have complete banking records as suggested in the post by Rooster on

30 December 2006. The total amount claimed will be £ 792.50. I will send a letter before action next week once my Alliance & Leicester account is up and running.

 

Richard414

[Richard414]

Just a quick update on my thread. Parachute account now up and running. Preliminary letter sent to Nationwide on 3 March 2007 by recorded delivery, no response, letter before action sent to Nationwide on

14 March 2007. Preparation of court bundle now underway

[Allyxia]

Richard i wouldnt rusH to get your court bundle ready yet - save yourself a lot of work!!

 

You will probably be settled out of court way before your hearing - however even if that doesnt happen a hearing date is a long way off for you yet!!!

 

You can have a read of it though - just for fun........

[Richard414]

Allyxia

 

Thanks for your message I have been busy this evening preparing the N1 Claim Form X 3, ready to lodge the claim on 28 March 07, two questions please, once the court accepts the claims, does the court serve the claim on the Nationwide, or do I get their copy back from the court in order to serve it myself by recorded delivery, and I believe I attached a schedule of details of the charges levied by the bank with my interest calulations to the N1 form am I correct. Thank you

[MilkTrayMan]

Hello Richard414!

...once the court accepts the claims, does the court serve the claim on the Nationwide, or do I get their copy back from the court in order to serve it myself by recorded delivery,

The Court will send Nationwide 1 of the copies of the N1 etc, it will keep 1 copy for itself + it will hand U back 1 copy

(...all duly stamped with the Courts insignia)

I believe I attached a schedule of details of the charges levied by the bank with my interest calulations to the N1 form am I correct.

That's correct...X 3

[Richard414]

MilkTrayMan

 

Thanks for the confirmations above. I have now completed the N1 Claim Form ready for taking to the County Court next week. One small point please. On the front page I have shown the address as the Nationwide Head Office address at Pipers Way. However in other threads I have read today I note that claims are dealt with by Charles Bacon Solicitor Legal

Compliance Corporate (Corporate Affairs) should I use Mr Bacon's particulars to prefix the Nationwife Head Office Address in the Defendant's name and address box at the bottom of page one of the N1 form. Thank you.

 

Richard414

[Nick37]

Hi Richard,

 

I sent mine to the address on a letter i got back from NW.

 

Nationwide Building society

Member Account servicing

1st floor Electra House

Farnsby Street

Swindon SN2 1SR

 

but looking at different posts, it seems that you can pretty much send to any of the NW addresses and it will eventually get to the right dept.

I handed my Claim form in at my local CC on the 8th March and have recieved a Notice of Acknowledgement on the 17th March. Still waiting to see what happens... scary stuff!! :-|

 

I'm sure others will advise the best address to send to.

 

Good Luck with your claim.

 

Nick

[Richard414]

Hi Nick

 

Just tried to tip your scales but think I pressed the send button too soon. I was going to say thanks for the advice and reassurance as I'll be going to my local County Court next Wednesday

 

Richard

[Nick37]

What, i have scales? Didn't know that.

 

I'll have to go look!

 

Good luck with your case.

[Richard414]

Just a quick update, visted the County Court today and lodged the N1 claim forms which will be served by the Court in five to ten days

[MilkTrayMan]

...it seems that you can pretty much send to any of the NW addresses and it will eventually get to the right dept.

...I'm sure others will advise the best address to send to.

The CORRECT address to use on a N1 or via MCOL is Nationwide's Registered Address.

http://www.consumeractiongroup.co.uk/forum/nationwide/74992-nationwide-contact-information.html

[Richard414]

A further update for my thread. I received confirmation from the County Court that my claim was sent to the Nationwide on 3 April and deemed to be served on 5 April. The Nationwide have until 19 April 07 to respond

[Richard414]

Hopefully on the last roundup now but I would be grateful for some advice. My claim was deemed to have been served on the Nationwide on

5 April as acknowldeged by the court. I have had a further letter from the court to say that the Nationwide intend to defend the claim and filed an acknowledgement of service on 12 April. The letter ends by saying that the defendant has 28 days from the date of service to file a defence. My

question is does the 28 days run from 5 April or from 12 April when the Nationwide filed an acknowledgement of service. An answer to this question would be greatly appreciated. Thank you

[Houndy]

I believe it is deemed served about 5 days after it has been issued. The deemed served date should be on your notice of issue which will be sent to you by MCOL. They then have 14 days to acknowledge, if they do that within this time they then have 28 days from the served date to issue a defence. I hope this helps - i could be wrong but this is what i have been told by all the helpful people on here.

[Richard414]

Had Log-in problems last night so could not gain acces to my thread. I am very happy to report a success the Nationwide paid up all charges on 27 April one day short of the court deadline. They paid the interest and court fee yesterday. I have sent a letter of thanks to the Nationwide and sent a letter to the county court to inform them I wish to withdraw the claim. I am off to the successes thread now to make the donation to CAG. Can I express my thanks to all at CAG who have helped me and wish to urge everyone else to persist as you WILL WIN IN THE END

[Nick37]

Nice one Richard. Another success story to add to the list.

NW do seem to be leaving everything to the last minute. Like you, my interest chargers & court costs were a couple of days after the initial payout.

 

well done.

[MilkTrayMan]

Hi Richard414!

 

Congratulations!!!...

 

(Belated cos of having been on hols!)