starting my claim :o)

[alphalvr]

im so glad i found this forum its basically told me what i felt was wrong is wrong.

 

i have already tried getting nationwide to return charges made agaist me some time ago such as being charged when my account had 76pence in it and a £1 magazine subscription tried to go out. they never even paid it and charged me a crzy amount for tryin to go 24p overdrawn.

 

another time i had around 60 pounds in there and the next day a cheque was going to clear for £1700 pounds but they still never paid a £70 debit, charging me for refusing it. then of course i got a 2nd kick while i was down by being charged by my credit card for the payment not being on time.

 

some example of there responses below

 

--------------------- Original Message ---------------------

Subject: Re: General Received: 29 October 2004

Dear Mr Creed,

 

Thank you for your message.

 

To ensure the items you have authorised for payment are paid, you must have sufficient available funds in your account at the close of business the day before payment is due to debit your account. I can confirm the following information in regards to the returned direct debits on your FlexAccount****60473:

 

12/10/04: Returned Direct Debit to Paypal UK for £71.68 as you had insufficient available funds to meet the payment since your balance was £60.49 when it was presented.

12/10/04: Returned Direct Debit to Paypal UK for £84.49 as you had insufficient available funds to meet the payment since your balance was £60.49 when it was presented.

 

HERES THE BEST BIT.....

 

When the decision to return your direct debit to Dennis Subscription for £1.00 was made on 13/10/04 the account balance was £1752.99 but the available balance in your account was £0.24. If we had paid your direct debit, your account would have gone overdrawn. As you do not have an agreed overdraft facility, it was automatically returned unpaid.

 

Please note the reason for the differences in your balance is that a cheque credit of £1752.75 made to your FlexAccount on the 15/10/04 did not clear until 5 working days which is the 22/10/2004.

 

To view our Cheque Clearance table, click on the following link:

 

http://www.nationwide.co.uk/banking/current-account/paying-money-in.htm

 

Please note this has resulted in charges which you will receive notification of on the last page of your next quarterly statement dated the 09/01/05. They are then applied 28 days later.

 

Should you wish to discuss this further, please contact your account holding branch where an advisor will be happy to assist you.

 

Please use the following link to find the address and telephone number of your branch:

 

-----------------------------------------------

the more i read it the more it annoys me, at least banks pay small incursions, (well midland hsbc used to) ok id be chatged but at least my credit card would be paid so i didnt incur 2 charges. Nationwide is worst place ive ever put my money, i hope they shut my accout......after paying me back of course

 

 

i shall now try again with your great help, much respect.

 

there assistance that they are happy to give is just basically hiding behind a load of waffle which basically just means NO, and they make you jump through hoops just to be told no.

[barracad]

Welcome to the site.

 

Have a thoough read through the FAQs so you know what you need to do.

 

Good luck!

[alphalvr]

am doing that now, i feel justice is just around the corner.

 

i remember also while unemployed for a spell my unemployment benefit entered this account. Due to the charges levied against me previously id stopped using the account on principal and had not being paying it any attention but had forgot about a very small direct debit (about £4 a month) that was still attached.

 

imagine my horror when i noticed id been charged on 3 consecutive months, each months charge sending me overdrawn the next month. When i realised my error (it was my error) they had took all the money the goverment says i need to live on for a fortnight. around £90.

 

that was a bitter pill to swallow

 

luckily (depending on how you look at it) i have had 3 smalls claims proceedings before which i have won all of so on that front i am mildly experienced. my worst area is statements, im not much of a filer especially the ones with charges.....i tend to torture them before filing them in the bin

regards

[MARTIN3030]

Welcome onboard.

 

The banks practice of taking benefits is despicable....the government knows they do it as they advise on making sure funds are there for other payments.

 

hope you digested the FAQs ............remember we are all in this together if you need any advice dont be afraid to ask !

 

[alphalvr]

Hi thanks for the welcome,

 

ok im addicted ive been here all night and am falling asleep in my chair, im having a problem surfin this site i just get error pages somtimes and it is very slow (still a wonderful site)

 

the problemm is im reading how to do everything backwards, ie finding a template and then reading about what it is for and when they are sent.

 

i cant seem to find the find the step by step instructions which i know are right in front of my face in BOLD CAPITALS highlighted in red (probally)

 

if i could trouble you for the right link ill love you forever.

 

The other thing im failing to find is the DPA (with £10). If i have enough statements to tot up a figure do i still need to send this??? Or are we sening that not only for a set of statements going back xxx years but also to find out bad credit marks they have put against us? To be honest ill be able to work that out when i can find the page that describes each stage, rather than the masses of bits of info im tryin to digest at the moment.

 

also sorry if this message appears twice, like i say im strugglin with the site and the 1st time i sent a request it dissapeared .

 

sorry for wastin your time as im sure i cant see it for looking.

[lickthewallfatboy]

apologies to the original poster of this in another thread,but these are basically the steps you need to take-

 

1. Obtain copies of list of charges levied/Bank Statements covering the last 6 years.£10 DPA fee must be enclosed-whether or not they take it is up to them

 

2. Calculate the amount that I want recovering.

 

3. Write to the bank stating that they have acted contrary to the law etc etc and ask them to pay back my charges in full.(USE RELEVANT TEMPLATE IN THE LETTER SECTION)

 

4. If no joy then a second letter reitterating my claim and threatening legal action.(USE RELEVANT TEMPLATE IN THE LETTER SECTION)

 

 

5. If still no joy, take em to the firkin cleaners and sue.

 

AND do not let them fob you off, and work to your deadlines,not theirs!!

 

All the best

[MARTIN3030]

Not everyone will need to send the request for dpa.

The body of the temp letter includes references to manual intervention something that is mentioned to determine if manual work was done that could be used as a defence for extra charges.(Which so far the banks have failed to properly address )

 

Other people have used this letter where they DONT have full statement info,and in some cases where they have a closed account and have no record of account number.

 

It will help you to look at other cases here and follow their progress.

 

You will find that the banks are not wholly inconsistent with the way they are handling different cases.

 

However there has been one thing in common throughout................their inability to take the fight to the courts and win !!

 

 

[alphalvr]

thanks i gave up earlier, i just couldnt access any pages, bummer as i want my 1st letter in todays post

 

ok so if i can pick up my statements from my accountant then a dpa is not really needed, cool

 

ive only been with this bs a few years (3) and have been a goodish boy so i reckon im only owed 200-300, but its enough.

 

thanks for your help, i swear im reading....to much i think, my heads spinning :-?

 

i see a capitol one claim above....this makes me smile as they charge me 20 quid a month for being a day late....he he i think that will be enough to pay the card off

[MARTIN3030]

yep 2 or 300 quid is better than nothing Im sure you can think of something to spend it on !!

 

[alphalvr]

thanks for all your help so far.

ive spent the last two weeks reading all the posts and am ready to send my letter.

 

i would like advice regarding the section in RED for this letter

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=671

 

the preliminary approach for repayment.

 

the section in red refers to defaults put on the credit register. I dont know if there were ay but im sure if my account was sent into arrears with charges (the only way i can go into arrears) that they would have done that automatically??????

 

so basically can i just add that bit regardless of my lack of information??

 

my theory being if they did default me (lets be honest they did??) then it will get them removed, if they didnt default me well thats great!!

 

so should i add it, or not in your opinions??

 

i never sent for the ring rinder full of my statements as i just collected all mine for past 3 years from my accountant (the time ive had account) would the info on defaults that nationwide may have imposed (im sure its them that have caused me credit hassle) have come with that or would i need to pay for a credit check separately.

 

thanks