Nationwide ! **WON**

[Lisa_martin]

Hi there everyone,

 

Nationwide are not liking this claim for excessive unfair bank charges are they??

 

My husbands very short story goes like this :-

 

Wrote prelim to Nationwide on 19th April (downloaded it from the BBC financial website)

 

Got a letter from the monkeys dated 20th April reading :-

 

At the time you opened your account you agreed to abide by the terms and conditions clearly setting out how accounts should be operated.

 

Charges are applied to a members account when the account exceeds its agreed overdraft limit or a payment is retuned due to insufficient funds. We notify you of the charges incurred, on your monthly statements and charges are debited from the account 28days after the statement is produced. We'll try wherever possible to help you manage your account but it is ultimately your resbonsibility to ensure funds are available to cover these charges and any further payments that are due.

 

After careful consideration of your request. We're sorry that we cant agree to your charges being refunded. Only in exceptional circumstances do we refund charges and on this we feel it would be unfair to other members who find themselves in a similar situation and whose charges still remain, We realise that our answer will disappoint you however we trust we have clarified the society's position.

 

yours sincerely

some one from Nationwide.

 

Does anyone know what we should do next?

 

Thanks for reading

Lisa

Edited June 30, 2013 by citizenB

[Lisa_martin]

Today (30/04/07) we posted off the LBA to Nationwide, Recorded delivery to assure they can't deny getting it of course. 13 days, 21 hours and 15 minutes for them to reply lol. I'll be very impressed if I even get a reply to be honest so we're keeping up the effort and planning the next step already. The N1 awaits eager vengance now. Will keep you informed if anything happens in the mean time.

[Lisa_martin]

As per our expectations really. I had no thoughts of mugging the postman in the morning anticipating a letter with something nice written upon it!Anyhow, this is a pretty much redundant account these days as we have opened a joint account elsewhere so if they get on their high horses and close the account, it's no real loss. We'll keep fighting until the death though, nothing ventured...nothing gained eh?

[Lisa_martin]

Right well today we have checked the Royal Mail recorded delivery thingy mabobby and it showes that the LBA has been recieved by Nationwide. We shall sit tightly for a reply

[Lisa_martin]

Wonder if we'll get a reply today? god, this waiting is the worst part lol

[Lisa_martin]

yeah...we will end up at N1 stage, i'm filing this manually as I am on benefits and understand that I may be able to an expemtion. we are off to the local court on Tuesday to pick up the necessary paperwork and obviously reading as much as we possibly can on this site. Its been such a great help to us!

[Lisa_martin]

Hi there julien35 I will certainly take your advice on your post!!! Much easier to dowload and send off application then to go there fill in and send back.

 

I shall dig out some letters to confirm that I am in reciept of benefits. im not sure if I have any dated in the last 30days tho.

 

Hmmm will have a look and update lol

[Lisa_martin]

Its 14 days straight! including the bank holiday HoooooRaaaaaaaaaaaay! Its the same as the bank....when they say they are taking the money in 14days they mean 14 days. Give them not an inch to spare as they will waste as much time as possible. Race you to the next stage hahahahah!

[Lisa_martin]

Hiya,

 

This nationwide account is my husbands too, same scenario not used for 6months and is overdrawn because of their charges! Yes u can claim on the closed account as they have to keep records of it all but when you win your claim you will be paid by cheque! Nationwide claims can be paid out within a month of the prelim letter but that depends on how lucky you are. We have started to look for 4leaf clovers and lucky rabbits feet LOL

[Lisa_martin]

Hi julie, I'll do that then, I'll give Incap a ring on tuesday morning hopefully i will recieve something by the end of the week so I can send my exemption in A.S.A.P hehehehehe:cool:

[Lisa_martin]

Hi jane,

 

Sorry I hadnt replied sooner but my computer gave up need my money back now so I can buy another lol.

 

Anyway, NOOOO I havent heard anything yet, the postie hasnt been this morning, I will reply later when he's been maybe we will hear something then

[Lisa_martin]

Afternoon guys.

 

well I have heard from NW and I have came to the conclusion that they are having a laugh....why do I say this? Because the story goes like this.

 

Your complaint has been sent to us by the Branch Services Centre. We've just recieved the papers and will be reviewing them as soon as possible. Once we've finished, we will write to you with our findings.

 

The Financial Services Authority (FSA) allows us 8weeks to investigate before you have the right to ask the Financial Ombudsman to review your case. This ends on 18 june 2007, and we expect to be able to reply to you by then if not sooner.

 

Meanwhile, if you need to contact us, you can do so on the above address or telephone number.

 

Yours sincerely

 

Danial Gay

Another Nationwide Monkey.

 

So, by this time I am well P!55ed off. Another fob off letter and delaying tactic so on Monday the 14th May I am filing the N1 claim, see how they like that. Not alot most probably but it has to be done. Rant over. Back to being a nice person. Wonder how the halifax claim is going on? hmmmm. Will have a look.

 

Speak soon

 

Lisa xxx

[Lisa_martin]

Hi jane,

 

We are filing 2mrw against NW The letter has just made us even more determined.

 

What winds me up loads is the fact that they tell me that I have 8 weeks intill I can complain to the FCA!! Thing is im not complaining to the FCA I just want my money back!!!!!!!!! GRRRRRRRRRRRRRRRRR

 

MUPPETS

[Lisa_martin]

OOps i meant the FSA. Obviously I havent had enough caffine this morning...

[Lisa_martin]

Hello everyone

 

This morning at 10am I filed my N1 aganst NW. My claim will take a little longer as I have put in for an exemption. I will keep you all updated on the progress.

 

Bite me Nationwide!!!

[Lisa_martin]

Sigh, Sigh, Sigh.

 

Bad news this morning

 

Had a letter form the courts this morning it goes like this:-

 

Dear Mrs Lisa_Martin,

 

Thank you for your application for a fee remission in the above case. I am sorry but on the information you have provided I am not able to agree to your request.

 

The guidelines that we work to are set out by the Court Service Headquarters and the Benefits Agengy table for assessing Income Support (Determination of Means Guidelines). If you want a copy of those documents please let me know.

 

In this case I cannot accept your application because:

 

a) Your financial circumstances are such that I consider you are able to pay all of the fee. The sum payable is £50 If you wish to pay this, please return your papers, with this letter and your cheque payable to "HMCS".

 

If you wish you application to be reconsidered please provide further evidence of your circumstances. If you have anyquestions you wish to ask please contact the court and ask for me.

 

If you wish to appeal against my decision you should write to The Court Manager Ms H Skaith at the above address within 14days of the date of this letter. You should give your reasons for the appeal and let the appeals officer have any evidence to help your application. If your appeal is successful we with deal with your process straight away. Please therefore include your papers with your appeal.

 

Yours faithfully,

 

 

Sigh, Sigh, Sigh.

 

guess i'll have to reconsider/appeal then

 

What I dont understand is living off Incapacity Banefit isnt a great amount of money so why have I been refused :-| and what can I do help prove that I cant affored the fee?

 

hmmmm

[Lisa_martin]

anyway it all sux,

 

am at the moment gathering evidence so i can show Torbay County Court that I am well and truly skint!

 

it just sooooooooooo peronal

[Lisa_martin]

Right OOOOOO,

 

Since I last updated my hubbys thread Ive been busy gassin on my halifax thread and just realised maybe I should update this one.

 

Whats been happening is this:

My husband and I are in reciept of benefits. Incapacity Benefit for me to be exact. We went to file our N1's about 3 weeks ago, we took what we thought would be the required evidence to court along with our exemption form to be told that Incapacity Benefit wasn't exempt from the court costs.

In the meantime we found out that we are entitled Income support which is acceptable Benefit to be exempt from the court costs. (we tried to claim Income Support before but for some bizzare reason we were told that we were not entitled. This is currently being investigated by DWP at the moment so i'm looking forward to gettin some back payment from them)

Had to wait awhile for my new claim for Income Support to be up and running and to get the desired piece of paper that shows the required information needed for the exemption. That came on Friday. So today I have updated both spreadsheets and POC for haliprats and Nationwide oh and printed out the N1's of course too.

 

So there you go. lets see what will happen 2mrw.

 

Sorry ive abonded you guys here in Nationwide But I am back now

 

Mwaaaahhaaahahahahahahah

[Lisa_martin]

Blinkin eck!!!

 

Dont u get everywhere! lol

 

Well I couldnt go to the court today, wasnt for the sake of trying but I have my daughter off school she has a very high tempreture and of course with my illness I couldnt do it. So I have had 2 copys made of my Income support claim and sent all the N1's and all other relevent information to the court. I have sent them VIA Signed for 1st class so im hoping that they will get there 2mrw morning!

 

Guess the ball will br rolling from 2mrw

[Lisa_martin]

HIya, quick update.

 

N1 issued on 18th june 2007

deemed to be served on the 21st June.

Defendant has intill the 5th July to acknowledge.

 

so watch this space!!! Thats a week thursaday

 

Hehehehe

 

ps wrote this thread cos hubby was moaning that I wasnt keeping upto date on it.

 

cheek

[Lisa_martin]

Today I have heard from the court that Nationwide intend to defend the claim.

 

The letter from the court goes like this:-

 

The defendant filed Acknowledgement of the Service on the 26th June 2007

 

The defendant responded to the claim indicationg an intention to defend all of the claim.

 

The defendant has 28days from the date of the claim form with particulars of claim, or of the particulars of claim to file a defence.

 

The acknowledgement was filled by the solicitors acting for the defendant who have given the following name and address for service of documents.

 

Eversheds Llp

1 Callaghan square

Cardiff

CF10 5GY

 

Now I am shaking in my boots, is this normal procedure? Im sure it is I know it is but now i am bricking it, does that mean they have 28days from the 26th june to pay up??

 

Im sooooo scared now

[Lisa_martin]

That is Nationwide solicitors address, you still send all your relevent documents to Nationwide main address.

[Lisa_martin]

Hiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiyaaaaaaaaaaaaaaaa.

 

Has anybody been credited their bank charges on a Sunday before?

 

Just wondering if this can happen?

[Lisa_martin]

LOL I am checking online and seeing lol ;-)

[Lisa_martin]

Anyway, theres nothing in there yet!!