Bowie v Nationwide Here We go!!!!! * * WON * *

[oooeee]

Hi All,

 

i have been so inspired by reading all your stories. i was recommended this site by an advisor at my university, my problem started about 6 months age when i missed two direct debits because i was then charged £60 for these and did not have the money in the account when they took it out, i then missed another two the next month so as well as the £60 charges for them 2 i was charged £20 for an unauthorised overdraft!! as a mature student with 3 children my only money to live on is my tax credits this has caused me great financial hardship and has now got to the point where i missed 5 direct debits last month and added to that this month is the £20 unauthorised overdraft (when they took out last months charges) giving me a whopping £170 charges this month!! i have no way of paying this and if they take it out in one hit i will actually be left with no money to eat that week. i have decided to fight!! first letter sent today to ask for bank statements from last 6 years. i could only get detail for the last year online but this is £600 in charges in one year!! fingers crossed for me and good luck to everyone out there!!

 

don't let the B*******ds grind you down!!

[alanfromderby]

All the best with your claim - keep us posted.

[oooeee]

Hi Everyone, it's very heartening to read so many positive threads. i have finally got my back statements today and have added up the charges plus interest. about £1600. i'm just checking that i have the next bit right.

i put my details into the letter on the bank templates, preliminary letter along with a seperate sheet of paper detailing the charges, amount and date, and then send it to Charles Bacon (or do i send it to my branch?)

can someone just confirm that i am doing it right?

Good Luck Everyone!!!!

[oooeee]

ok letter before action sent to Sarah Watson today claiming 1,788.55 . thanks to all forum users for giving me the courage to go through with this!! certainly need the money now, landlady has just given me notice to quit so need the money for deposit etc on somewhere new! i've emailed a copy of the letter to Charles Bacon and am awaiting the reply. hope it gets here soon but the way i'm feeling at the moment i'm ready for a fight in the courts!!

HERE WE GO BRING IT ON!!!!!

[callumsgran]

Welcome and good luck:)

[taylormandy]

Hi, hope all goes well - let us know. It's good to know there are so many of us doing exactly the same thing. It's great encouragement for one another. If I don't get a positive result from my LBA, I will be filing a claim next Tues.

Mandy.

[drnail690]

fair play to you just starting my claim today looks like im am going to enjoy this as the bank has enjoyed stinging me for the last six years

[oooeee]

Just a quick update on my claim

ok, i'm filing my money claim tonight online tonight. i've read through the posts and think i understand it. going to do claim after i put my son to bed, i may have to take it to the court though as i'm on benefits so don't have to pay. will see what is said when i start the filling out. their 14 days is up today and i have had no reply to my LBA so here goes!!

don't mind saying i'm extremly scared but prepared to fight. will keep everyone posted. one thing before i finish, i had added up the charges wrong, in their favour, (DOH and me a maths degree student!!!) but this doesn't matter does it? i have the correct amount now with the interest etc courtesy of the spreadsheet on here. can anyone reassure me that it doesn't matter if the amounts differ and i don't have to start all over again?

[Michael Browne]

No, that's fine, you can adjust the claim (up or down) right up till you submit at moneyclaim

[oooeee]

thanks michael, will start the claim now!!!

[oooeee]

Hi there,

 

tried searching for this but in the middle of filling out the form and not sure what to do. if it is a joint account do i put both of our names in the claimant bit or will just one do?

 

i know its probably a silly question but i don't want to get it wrong at this stage!!

[alanfromderby]

Providing that it only needs one signature to authorise a payment, then you only need to put one name on the claim.

[oooeee]

I'm not going to let this bloody form beat me!!!!! but after filling it in for the last hour and getting to the last bit now realise that you cannot claim exemption from the fees online so i'm now going to do it the old fashioned way and print out a hard copy and take it to my nearest court tomorrow. mind you the nearest court is 20 miles away!!!

does anyone know what the number of the form to claim exemption from the fees is, (i'm on benefits so don't have to pay i hope)

I'm not getting frustrated honestly!!!!

[oooeee]

Took my claim to the local court today (Truro). they were really helpful. but thought i would let everyone know the procedure. you need to take two copies of your N1 form to them, one for their records and one for the defendant. I get working Tax credit and took proof of this with me and got all my fees excused (£120) the form to claim this was really simple just name and address etc. but she did take a copy of the proof that i taken with me.

well i suppose i just sit and wait now!!!! when i got home i had a letter from nationwide telling me that they did not need to respond to the LBA for 40 days. but tough they had their 14 days and the claim has been filed. fingers crossed!!!!

[oooeee]

P.s. will pm moderators with bank claim details as soon as i have the claim number.

[dolly]

Very best of luck...not that you'll need it!

[helzhelz]

Well done for filing your claim!

 

You are claiming about the same amount as I did and I was paid in full within 7 days of filing my claim!

 

So far Nationwide have been very nice to me about it and no sign of account closure but we'll see!!

 

You are going to be £1600 the richer in a matter of days! Its a frustrating and worrying time but you'll be fine!!

[callumsgran]

Hi, just be prepared to wait about a week (or 9 days) to hear from the court as you did it by hand, as thats how long it took them to serve ok?

[oooeee]

update on claim, just received the court form back signed by charlie boy stating the intention to defend. getting wobbly now but fingers crossed i'm not the one they pick on to go to court!!!

[oooeee]

YEAH!!!!! Interest on claim £246.73 paid into bank account today. shows on online statement as credit by cash how strange is that? must be them cos its the exact amount of interest i'm claiming and no one i know is so generous to put that amount in my account!!! can't wait for the rest - need it desperatly have to move out of my house in two weeks and i haven't got any other money to put down as a deposit for somewhere else!!! thanks everyone for all your support hopefully be updating you that the full amount is in there soon!!!

[dolly]

You will get the rest back....next few days...wonder how many times you will check your account before it goes in :lol:

[oooeee]

its all here!!!!!! checked my account this morning - only had to check the once Dolly they're getting quicker!!! - and the rest of the money is in there!! you have no idea how much this money means to me. i can now put the deposit and rent in advance on a new house - lost the last one cos i couldn't raise the deposit - and we can be moving in the next couple of weeks. thanks to everyone for all their support and encouragement. i will now fill out the survey but not sure how to get the title changed to WON? i will stay on to encourage and help others. a donation will be made as soon as i know how much is left or my tax credits come through this month. YIPEEE!!!!!!!! :)

[dolly]

WOOOOOOO-HOOOOOOOO

 

 

Absolutely DELIGHTED for you - they have paid a lot out these last few days

 

I am so pleased....you enjoy that house, I'm sure you will be very happy knowing that the Nationwide have paid for your deposit

 

(I'll ask one of the mods to change the title for you)

[oooeee]

well here is the final chapter in the bowie v nationwide saga. received a letter from them this morning asking me to close my account, they're three days too late as i closed it myself on monday!!! i wanted to close it when i wanted to not when they told me i had to!!! but they haven't asked me to close the kids accounts which is a bonus. so thats it all done and dusted, i feel almost free, this site has totally changed me i now complain if i'm not happy with something and have started to learn my rights about all sorts of things its been great!!!!

[oooeee]

This topic was closed on 10 March 2019.

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