All has been quiet with MH since my last letter from them offering a reduction in the alleged debt. Today (23/2/07) I received a red letter threatening court action if I do not settle the full debt by 26th Feb. They threaten CCJ, seizure of assets and bankruptcy. I am loathe to communicate with them, but now I want to fight back, by threatening them with Trading Standards, harrasment etc but I don't know how to go about it. I've since moved address and the last letter was forwarded on. I don't really want to let them know where I am

Many thanks, perhaps if they do that it will have a Xmas message as well

Thanks for the advice, I doubt they will ring me I'm ex directory and they don't have the number

I sent the time barred letter having seen other threads from people suffering the same issues. In the letter I informed Mackenzie Hall that I didn't owe them or the Lowell group anything.

Hi I hope someone can help. Several weeks ago I received a letter from Mackenzie Hall stating they were acting for the Lowell Group and were chasing a debt of £2,421.00p and required payment of same. This debt was from about 10 years ago and was owed to Barclaycard. At that time my marriage broke up and I had to go down the IVA route to manage my debts. The IVA was taken on by an Insolvency Practitioner and after about two years of paying them, they went bankrupt. I can't even remember the name but they were in London. I was advised by their administrators to stop making any further payments and I've heard nothing since. This was over 8 years ago and having moved several times all records are now lost. I am certain though that I have never received a CCJ for this old debt I sent Mackenzie Hall a time barred letter which they have ignored. Today I received a final notice giving me 7 days to pay up or further action will be taken. Any advice would be appreciated as to what to do next.

Hi everyone. I would like to thank this group for the help and support I have received with my claim. Without the group I wouldn't have even known that I could claim back my bank charges in particular as I had closed my two Nationwide accounts 6 months ago. On 4/12/06 I received a cheque from Nationwide in full settlement for all bank charges and costs going back 6 years. Total amount £779.70p. (I had claimed for further back than 6 years without realisng) Donation on its way

I have today received notification from the court by way of form N9B. Nationwide claim that they have refunded £659.70 plus court costs of £120.00p on 28th November 2006. (My claim was for £1,255.00p plus costs). The form indicates that I have been refunded from 17th November 2000, although my claim goes back as far as 17th February 2000 and that previous charges have been refunded, this is incorrect. My accounts were closed earlier this year, so god knows what they've done with the money they say they've refunded. I'm extremely pleased that that they have or are refunding something, but I will still pursue the rest and there will be a donation to CAG

I'm posting my previous message again as I haven't received any response

I take it the AQ is some form of questionnaire. My MCOL claim was lodged at my local court which is Northampton. Likewise my claim was served at the Nationwide member services dept at Northampton. Although acknowledged by Charles Bacon at their head office in Swindon. According to other threads I have read, this does not seem to be the normal tactic. In general I have seen that once the claim has been acknowledged, payment has been received shortly afterwards. Mine seems to be dragging on, I don't know whether it is becasue I am claiming back charges from accounts I have already closed. Any advice would be welcomed

I've just checked my claim on MCOL and see that Nationwide posted an intention to defend all the claim on 17/11/06. The MCOL has notified me that the claim will be transferred and I can do nothing more about it Advice would be extremely welcomed

I've just checked my claim on MCOL and see that Nationwide posted an intention to defend all the claim on 17/11/06. The MCOL has notified me that the claim will be transferred and I can do nothing more about it Advice would be extremely welcomed

Redsue Thank you for your support. I hope they don't pay anything into my accounts. I closed them 6 months ago

The claim is for £1,255 plus costs in respect of charges over a period of 6 years with two accounts I closed earlier this year

I've gone through the process and up to the point where I've made my claim on MCOL. The claim was acknowledge on 23/11/06 and today 25/11/06 I received a hard copy of the acknowledgement. The Nationwide in house solicitor Mr Bacon has indicated that they intend to defend the claim. I take it htis is just the standard response

Just to keep you informed of my progress On 28/10/06 I sent my LBA to Nationwide giving them 14 days to reimburse my bank charges for the last 6 years amounting to £1,255.00p. I received the same repsonse as everyone else saying the charges stand and Ishould have monitored my accounts better etc and referring me to the FSA Ombundsman. I've totally ignored the letter and made an application on the money claim line on 17/11/06. The claim is deemed to have been served by first class post on 22/11/06. I've used the wording supplied by the forum and found it to be very helpful and simple I await the next instalment of this fascinating adventure