covers22 v Nationwide - SETTLED IN FULL

[BikerPaul]

I have been told I have to go into the branch where they will give me the cash and close the account. Could you not do that?

 

If the payment is conditional on their closing the account, then they are acting unfairly and unreasonably - you MUST fight the closure... even if you wish to close afterwards on your own terms.

[covers22]

Hi All

 

I have just received a phone call from the Mr Charles Bacon, and I must say he is a very nice chap.

 

Nationwide have not closed my account (he said the account must have been inhibited as i was overdrawn whilst awaiting my refund and he will make sure access is reinstated).

 

he also said that the reason I received a notice from the court with their intent to defend the whole amount is because sometimes they need a little extra time to process the refund.

 

As soon as i have the money in a place where i can get to it i Shall indeed be making my donation to this wonderful site!!!!!

 

Good luck all, time to push on with the next one!!!!!!

 

regards

 

c22

[BikerPaul]

Hi All

 

I have just received a phone call from the Mr Charles Bacon, and I must say he is a very nice chap.

 

It's a pity he can't be bothered to acknowledge letters and emails sent to him, and hasn't settled my account and provided an undertaking he won't close my accounts.

 

If he called me on my mobile (which he could get if he emailed me) then I'd be happy to negotiate an agreed, private settlement which would not exceed the Court claim...

[covers22]

Hi,

 

received a letter today Noel Healy (senior Operations Manager) giving me 30 days notice of account closure. (as I'm apparently unwilling to conduct my account in accordance with the Flex Account terms & conditions)

 

I'm not too bothered about the account as i havent used it for a while but it's the priciple.

 

If anyone has any legal quotes i could use in my reply i'd be grateful.

 

I'll post my reply here before i send it in case anyone else would like to use it.

 

Regards

 

C22

[dolly]

Got mine today too, just days after receiving a new cheque book and card...what's all that about then

[Stewpot42]

Nationwide obviously have conflicting ideas about what their policies should be.

[Sandwichman]

Well congratulations, for a claim well done!!!!!!

It's all the winners that make us all feel there is a light at the end of tunnel and only by doing something can we ever expect to see it.

Fantastic result i'm well chuffed for you in a big way.

 

Congratulations again.

[covers22]

just to recap i have received a letter giving me 30 days notice that my account will be closed following the sucessful recovery of bank charges. the reson given was ..... ' it is now clear that you are unwilling to conduct your account in accordance with our Flex Account terms and conditions...'

 

I'll be sending this letter tomorrow...

 

Noel Healy

Senior Operations Manager

Member Account Servicing

Nationwide Building Society

1st Floor Electra House

Farnsby Street

Swindon

SN2 1SR

 

Date: 6th July 2006

 

Dear Mr Healy,

 

ACCOUNT NUMBER:

nnnnnnnnnnn

 

Further to your letter dated 29th June 2006.

I am willing to conduct my account according to your Flex Account terms and conditions; however I am unwilling to incur unlawful fees should I happen to breach those terms and conditions.

If you say that your fees are lawful, then will you please demonstrate this by letting me have a full breakdown of the costs in order to reassure me that your penalties really do reflect your true costs? Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

In view of the above, should you wish to continue with your action to close my account on 31st July, I would seriously consider applying to the courts for an injunction preventing you from taking such action until the case has been heard.

 

Yours faithfully, .....

Any advice on the wording (or rewording) would be appricated.

 

C22

 

 

[PeterPiper]

well done you!

 

i'm sure that i'll be writing a similar letter very soon, its just that all the charges make it very difficult to maintain payments sometimes. they really have no idea what they do to people sometimes.

 

[Snippo]

Oh Poo just starting with claim from Nationwide which I estimate to be over 3k for last 6 years they have to supply statements by 8th August to be within 40 days looks like I might have a long battle on my hands then?

[stormyweather]

Hi Stormyweather here just starting out with a claim against Nationwide and looking forward to learning from you all.. I am going to make a claim on an account that has been closed for a while so need to request back copies of statements etc in order to work out what amount I can claim. Any advice would be much welcomed.I understand that I need to us an SAR but questions like Is there a standard letter? and where best to send it come to mind.

Best Wishes Stormyweather

[Muffintop]

I've looked through other's posts and cant find a definate answer to this question.

 

as you can see from the above i have filed a moneyclaim against nationwide which i have paid £120 for. Am i right in thinking that if they settle before their deadline (is this 28 days from when they sent in the acknowledment of service intending to defend?) i will not receive the court costs & interest, or does the fact that i have now filed the moneyclaim entitle me to the court costs & interest, or am i not entitled to recover the court costs at all??

 

hope that makes sense!

 

c22

I won one case last week, and am in the process of the 2nd one. They paid out on the day before the 28 days were up and did not offer a defense. They put random amounts into your account and paid up for total costs plus court fee and 8% interest for my sons claim, Im waiting to see what happens with mine as they paid around half using the same formulae and should pay the rest, iv written to them and e mailed Mr Bacon tonight saying they must have had an oversight and if I dont get the rest in the next 7 days I will enter judgement by default. I also intend to have a go at the wasted time claim that Bank Fodder has put a new template up about, I would also like to claim back all the letters and time I have spent but not sure how to go about that yet. They will pay up but send conflicting messages I even got a letter saying they wernt going to pay up and one saying that they had on the same day!

[Muffintop]

Hi Stormyweather here just starting out with a claim against Nationwide and looking forward to learning from you all.. I am going to make a claim on an account that has been closed for a while so need to request back copies of statements etc in order to work out what amount I can claim. Any advice would be much welcomed.I understand that I need to us an S.A.R - (Subject Access Request) but questions like Is there a standard letter? and where best to send it come to mind.

Best Wishes Stormyweather

they are all on the templates section. and send it to ho

[Muffintop]

Something wiered is going on with Nationwide, Iv had my 2nd claim coming back in dribs and drabs but not total amount since Friday, now they are refunding charges (small amounts) into my other Nationwide accounts WITHOUT ME EVEN ASKING! Hadnt got my statements through to do those ones yet, anyone know whats going down

[stormyweather]

Thanks Skeggs Now finding my way round. Mind if I stay in touch.

[Muffintop]

No problem but I am not even a little bit of an expert.I have e mailed Mr Bacon today and told him to naff off and that they havent filed a defence and have paid some of the money back so they have 7 days to cough up the rest of i will enter judement by default, was hoping this wouldnt happen as last time they just paid the lot, I will get onto the amount of time they have wasted of mine and the courts as well just have to decide how much i will charge per letter per hour.fingers crossed

[Muffintop]

No worries If I can give something back then I will.skeggsy

[Muffintop]

By the way just taken advice from Lori (absolutely fab girl) going to ring the Bacon man tomorow as hes at day 29 and see if that shifts the remaining load! to avoid the judgement thingy which doesnt seem as clear cut as I first thought when I started out.Not something to rush into by all accounts.

[covers22]

This topic was closed on 10 March 2019.

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