1st Reply from Lloydstsb

[Bernadette]

I sent a letter to lloydstsb on behalf of my husband yesterday asking for £890 back

in charges. (I deal with the finances). Just testing the water, I have BIG issue with Nationwide Trust but still thinking what to do. Totally confused

[bram stoker]

I guess as you've sent the letter, you've read the FAQ's and libraries etc. So what are you confused about.

 

Keep reading the forum and have confidence. We're here to help.

[Bernadette]

Thanks for reply. Yes I have been reading and reading. I was reccomended to go on the Nationwide Site, but thought i'd start with a smaller one that I think

will be less of a fight. My Nationwide Trust problem.....I fear will be difficult;MY STORY

Nationwide have made my life hell for

> the past 5 years. I originally had my mortgage with Nationwide from 1997

> to 2005 when we had to remortgage due to N/W trust. In the 7 years I never

> missed 1 payment of mortgage and about 5 years ago took out a loan for

> home improvements, this was paid regularly for two years. At this time I

> discovered my husband had got us into financial difficulties with credit

> cards and a secured loan. I tried to manage but ended up contacting

> debtline who referred me to Payplan to help, I kept in constant contact,

> letting them know what we were being advised and confirming in writing our

> offer to pay. The mortgage and secured loan took priority but regular

> monthly payments of a lesser amount were still being paid. The next I

> received a claim form from them but was advised to do nothing, I believe a

> CCj was regestered in 2003 a month later they wanted to put a charging

> order on the property. This time I did go to cour!

> t. I had all the written proof that I was doing everything possable to

> sort out the situation. The N/W rep was saying they had no idea about all

> our other debts (Lie). And the 15k loan had now turned into 18.5k with

> charges and intrest. The judge said that Nationwide claim was in fact a

> lie and dismissed the Interim charging order. It was only when we tried

> to remortgage a year later that I discovered the charging order had not

> been removed and this was delaying our mortgage application. I had to

> contact the judge at the court to ask if he could intervene in any way.

> The c/o was eventually removed but because of this it took about 8 months

> to complete our remortgage, taking us deeper into debt.

> They are still accepting our payments as they have for 5 years, we have

> had no further correspondence from them, but I believe we now owe them

> 19K. As this was a 15k loan took out in 2000, we must have paid them quite

> a lot. Please could you advise me if this is correct procedure for them.

> Surly their charges are unacceptable? Do you think we could claim anything

> back? Because of all this I was signed off work for 7 months and referred

> to a therapist for Anxiety and Depression. I've been back in work for a

> year now and only just feel strong enough to fight back again.

 

>

>

[Bernadette]

The first reply for my husbands account has arrived. As many others, refused to refund saying that the charges are in line with their published tariff.

Prompt reply though!

I was very polite in the first letter, simply requesting the charges to be refunded. (i gave them the benefit of the doubt).

So now I send the next letter, telling them that I will take further action??????

 

 

Bernadette

[barracad]

The next step would be to send the LBA. There is a step-by-step guide in the FAQ section read through this thoroughly so you know exactly what to do - it is important to be well prepared as it may end up in court.

[Bernadette]

Now received 2nd reply, it was the usual one that most people seem to be getting "Thank you for taking the time to contact us about your a/c........................"

I have now sent the 3rd letter (deleting the default bit). I expect the next reply will be the standard, but who knows. Meanwhile the charges are still being added!

I will update as and when.

 

Bye for now

 

Bernadette

[barracad]

Which 3rd letter??

 

What have you sent so far, the prelim and the LBA?

[Bernadette]

Do you know, I think i've got a bit mixed up because the last letter I sent was the LBA, I think i've sent them another! Ive been doing loads of paperwork, mounds of it and i've not been tooo good (full of a cold).

Do you think I will just get the same reply? What an idiot!

 

Bernadette

[barracad]

If you've sent the LBA the next step is to take them to court.

 

Good luck!

[Bernadette]

Thanks, I'll Just read up on next step again, before I do!!!

[Bernadette]

I have started to complete Moneyclaim online but I am unable to continue until Payday tomorrow, meanwhile more charges are being added!!!

[paulpb123]

Just add the charges to your claim.

[Bernadette]

Hello,

Having horrid time at the moment, so not had chance to update (sorry). All replys (no). Have now sent a copy of court action form to them. I know I seem slow but I will get there in the end!

(I sent the LBA to Capital One asking for £180 back in charges. On the 14th Day I had heard nothing....But phoned up for a balance to find I had,had a refund for £64 and one for £16,I will post this on cap 1 site too)

 

Back Soon

Bernadette

[Bernadette]

This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group