Reclaim Unfair Bank Charges article discussion Part II

caseyjade100

i am in the process of taking nationwide to court. total charges is £5203, i am asking for £5000 back. recieved a letter today from nationwides solicitors saying that they are going to defend my claim and now i'm scared!! very nervous about going to court and worried that i will lose! my history with nationwide is not very good and i am always in my overdraught, will that go against me? hope someone can help

Edinburghlass_2

Have a read of the Nationwide thread which is linked in the Reclaim Help Thread in my signature for other user's experiences with Nationwide as to how their claims went at this stage.

cyberman_3

nwuser wrote: »

Take a look at this
http://www.manchestereveningnews.co.uk/news/s/1010/1010500_victory_for_bank_charge_dad.html

Interesting read, bet Abbey never expected that to happen !

You know what everyone, it's going to get worse for the banks and better for us

Edinburghlass_2

general75 wrote: »

Has anyone been unsuccessful using MCOL if so how much were the court costs.
I ask this because i'm not to sure,
When i used to get paid (monthly) i spent my wage within the 1st week then direct debits would come out and i'd be charged, would the courts not think it was my fault.

You'll find the link to Court costs and exemptions in the Reclaim Help Thread which is linked in my signature.

Have a read of the thread relevant to your bank for other user's experiences.

cyberman_3

general75 wrote: »

Has anyone been unsuccessful using MCOL if so how much were the court costs.
I ask this because i'm not to sure,
When i used to get paid (monthly) i spent my wage within the 1st week then direct debits would come out and i'd be charged, would the courts not think it was my fault.

Well, to get charges for the way you handled your money is reasonable.

What is NOT reasonable is the amount they charge per transaction. This issue is nothing to do with mis-handling of money, it's a point in law that the banks apply unreasonable, unfair charges. How it happened IE in your case, is not relevant. If you want your charges back, you know what you must do.

cyberman_3

caseyjade100 wrote: »

i am in the process of taking nationwide to court. total charges is £5203, i am asking for £5000 back. recieved a letter today from nationwides solicitors saying that they are going to defend my claim and now i'm scared!! very nervous about going to court and worried that i will lose! my history with nationwide is not very good and i am always in my overdraught, will that go against me? hope someone can help

caseyjade, look back through this forum and you'll see many such banks say they will defend. It's become a bad habit with them because in reality, even though they may put in a standard defence, when crunch comes to crunch, they do not appear in court. Nationwide like the rest will never be put in a position where they have to answer in court ...

"Give me a full breakdown and calculation of your charges"

Do not be scared, follow everything that Martin and Edinburghlass tell you on this site and you WILL SUCCEED.

ozzyhol

HELLO ALL. HAVE CLAIMED AGAINST BARCLAYS AND EVEN BEFORE I WORKED OUT AMOUNT THEY OFFERED ME £1050 NOW. I WOULD LIKE TO KNOW ABOUT THE 6YR BIT. THEY SENT ME STATEMENTS FROM JAN 2000 WHICH MAKES IT 7YRS; WHERE DO I START THE 6YR PERIOD FROM? ALSO I DID NOT INCUR ANY CHARGES IN 2003; IS 2003 STILL CLASSED AS ONE OF THE 6YRS? LASTLY, WHEN I HAVE WORKED OUT THE MONIES OWED TO ME, SHOULD I TAKE OFF BETWEEN £2 TO £4 FROM EACH CHARGE FOR THE CORRECT RATE. IE. WORK MY CHARGES OUT AT £28 FOR A £30 CHARGE. CHRIS

BANKBANDIT_2

hI JUST CHECKED MY ONLINE ACCOUNT WITH NATIONWIDE AND 120 HAS BEEN CREDITED BY CASH. THAT COVERS MY COURT FEE.
SO WHAT NOW , WHEN WILL I GET MY CHARGES BACK AND INTEREST.
DOSE THIS MEAN IVE WON OR NOT
HELP ANYONE

lindilou39

ozzyhol wrote: »

HELLO ALL. HAVE CLAIMED AGAINST BARCLAYS AND EVEN BEFORE I WORKED OUT AMOUNT THEY OFFERED ME £1050 NOW. I WOULD LIKE TO KNOW ABOUT THE 6YR BIT. THEY SENT ME STATEMENTS FROM JAN 2000 WHICH MAKES IT 7YRS; WHERE DO I START THE 6YR PERIOD FROM? ALSO I DID NOT INCUR ANY CHARGES IN 2003; IS 2003 STILL CLASSED AS ONE OF THE 6YRS? LASTLY, WHEN I HAVE WORKED OUT THE MONIES OWED TO ME, SHOULD I TAKE OFF BETWEEN £2 TO £4 FROM EACH CHARGE FOR THE CORRECT RATE. IE. WORK MY CHARGES OUT AT £28 FOR A £30 CHARGE. CHRIS

Well basically you start your 6 years backdated from now...if you go as far as to having to file a court claim your date of issue lets say be it 10th July 2007, you can only claim back as far as 10th July 2001 or the solicitors will pick up on the Limitation Act ...and yes am afraid even if you havent been charged in 2003 this is still included in the 6 years

Lin

lindilou39

BANKBANDIT wrote: »

hI JUST CHECKED MY ONLINE ACCOUNT WITH NATIONWIDE AND 120 HAS BEEN CREDITED BY CASH. THAT COVERS MY COURT FEE.
SO WHAT NOW , WHEN WILL I GET MY CHARGES BACK AND INTEREST.
DOSE THIS MEAN IVE WON OR NOT
HELP ANYONE

sorry this reply is a bit late but I would phone MCOL tomorrow morning and ask them....they will advise.

Lin