Nationwide (merged)

LozBingley

superdad wrote: »

hi everyone.this is my first thread.in may i sent off to nationwide a request for my statements with the ten pound charge and received them on the 39 day.using the calculator on the site i worked out they owe me £1800.so i sent second letter(using template) requesting monies owed 3 weeks ago,but have had no response.how long do they have to respond to letter requesting payment?,or do i send 3rd letter threatening court action now?.any advice welcome.:mad:

Send your LBA (Letter Before Action) and stick to your time scale not theres.

lizzie15

<TABLE id=HB_Mail_Container height="100%" cellSpacing=0 cellPadding=0 width="100%" border=0 UNSELECTABLE="on"><TBODY><TR height="100%" width="100%" UNSELECTABLE="on"><TD id=HB_Focus_Element vAlign=top width="100%" background="" height=250 UNSELECTABLE="off">Hi, Lizzie15 here, I to am at the acknowledgement stage with n/w and getting more scared by the day, they have until 27-7-07 to defend, hope they pay up before then, as they seem to in most cases (but I'm not usually that lucky), as a single parent who wouldn't have got into debt in the first place if it wasn't for these charges, I need the money, but somehow I can't see me getting it. I am unclear as to what happens if it does go further can anyone help please.
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Wiggynut

lizzie15 wrote: »

<TABLE id=HB_Mail_Container height="100%" cellSpacing=0 cellPadding=0 width="100%" border=0 UNSELECTABLE="on"><TBODY><TR height="100%" UNSELECTABLE="on" width="100%"><TD id=HB_Focus_Element vAlign=top width="100%" background="" height=250 UNSELECTABLE="off">Hi, Lizzie15 here, I to am at the acknowledgement stage with n/w and getting more scared by the day, they have until 27-7-07 to defend, hope they pay up before then, as they seem to in most cases (but I'm not usually that lucky), as a single parent who wouldn't have got into debt in the first place if it wasn't for these charges, I need the money, but somehow I can't see me getting it. I am unclear as to what happens if it does go further can anyone help please.

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Unfortunatly I didn't get a refund before the defence part! I got half the money back in June and it's been a month since the end of the mycol stage: 28 days and defended... still waiting for a court date.
I'm going to ring Nationwide on Monday and ask if they have any more news.

good luck. Hope you don't have to wait as long as me!

butterflygirl9384

Dear Overdraft Claimers!!

I need some advice as I have been charged for going overdrawn on numerous occasions by Nationwide, purely because their charges have made me... not quite sure how they justify that but anyway.. . We have sent the first two letters, including threatened court action, and are due a reply by Tuesday 17th. Next step will be court action!!

This is not my main banking account and I am fed up with NW taking money out of my account that is not in there in the first place - I WANT TO CLOSE MY ACCOUNT. When they agree to pay out or are made to by the courts, what happens if I have closed it? Do they have to send me a cheque or what??

Any advice or anecdotes would be greatly appreciated.

WITS END....:mad:

LozBingley

butterflygirl9384 wrote: »

Dear Overdraft Claimers!!

I need some advice as I have been charged for going overdrawn on numerous occasions by Nationwide, purely because their charges have made me... not quite sure how they justify that but anyway.. . We have sent the first two letters, including threatened court action, and are due a reply by Tuesday 17th. Next step will be court action!!

This is not my main banking account and I am fed up with NW taking money out of my account that is not in there in the first place - I WANT TO CLOSE MY ACCOUNT. When they agree to pay out or are made to by the courts, what happens if I have closed it? Do they have to send me a cheque or what??

Any advice or anecdotes would be greatly appreciated.

WITS END....:mad:

If you close the account they will be forced to pay you by cheque but you will need to settle the account first ie payback the overdraft.

Take it to court even if they don't reply within the 14 days

Hold out for 100% + Interest + court costs

livelyred

Hi can someone answer my last question about a letter i recieved and if i need to attend if its goes to court Thanks

julieb1987

I imagine that this is your court date and yes, you will have to go. Usually, if it finally gets there, the claimant shows up and the bank doesnt, hence the judge awards you the money by default! If you don't turn up they may dismiss the case completely and the past few months have been a waste of time!

Nationwide have acknowledged and have until 9th August to pay up or defend!

Wiggynut

julieb1987 wrote: »

I imagine that this is your court date and yes, you will have to go. Usually, if it finally gets there, the claimant shows up and the bank doesnt, hence the judge awards you the money by default! If you don't turn up they may dismiss the case completely and the past few months have been a waste of time!

Nationwide have acknowledged and have until 9th August to pay up or defend!

Don't they pay up just before the court date??? I don't want to actually attend any courts - too scary - me yella belly! :eek:
I'm still waiting for the court date - it's been a month since they defended/mycol stage ended!!!

I'm going to send them a letter with the self -litagation fee of £230 to see if it will make them get a move on. - was going to call them today but didn't get time... might do that first!

livelyred

Really so i do have to turn up to court oh my god what would i have to take with me if i do have to attend any ideas ? And if the nationwide do pay up when do they normally pay up a few wks or days before ? I hope they do pay up by then i wouldnt know what to do when im there at court ?Im getting even more nervous now lol

julieb1987

They might pay-up just before,,,in fact they probably will! Keep checkin your bank account because it seems that they have been putting the money people's accounts without telling them.