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    • Participants can get £50 - but must permanently consent to the retailer using their personal data.View the full article
    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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Emex/Nationwide mortgage charges


sam1234
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I have a problem with E-Mex/Nationwide.

 

I sent them a letter (template from this site) asking for unfair charges to be refunded.

 

Took the mortgage out 10 years ago (interest only) and have now just sold.

 

a few years into the mortgage i got into difficulties and they served a possession on me which I managed to get suspended. Since then the account has been up to date arrears paid up etc

 

The charges on the account however, total nearly £5000 all of which consist of DD charges and solicitors fees of £2000.

 

I received a letter from Nationwide saying that they had reviewed these charges and would be refunding £800 to my account.

 

I called them and they try to side track you saying that Emex levied these charges etc but they have made a gesture and think thats fair.

 

When I challenged them on the £2000 solicitors fees from as they put it third party companies, I was told that I could not see them as this was a transaction between Emex and their own third party solicitors!

 

One of the issues that created these charges were caused by the fact my wife paid it every month by way of Bank Transfer and although the money hit their account instantly, they said it could take up to 7 days to find its way to our account. Which meant we would be in arrears.

 

I dont know really where to go with this? any help greatly appreciated

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did you do a spreadsheet and calculate the full value of what they owe you?

 

 

I wouldn't ever be ringing them

they'll simply fob you off

 

 

you can also reclaim the arrears fees and letters fees

debt management etc

 

 

have you all the statements?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, I think that you need to give a more detailed breakdown.

 

In particular, can you tell us about the late payment charges. How many of them were there and how much was each one?

 

What did it all add up to?

 

How badly were you in arrears without the charges?

 

If you can say that the arrears were essentially caused by unfair charges then I think that you won't have too much difficulty in establishing a case for unfair treatment.

 

However, you will have to be much more detailed about the position.

 

Have nationwide actually refunded the £800? If so, have you signed anything

 

Also, as suggested above – you should not be phoning anyone but if you do then you should first of all read our customer services guide and implement the advice there.

 

This is essential when dealing with any company

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i haven't accepted anything from them just called and questioned their reasoning behind their decision. told them I wasn't happy with this and would be writing to contest. I have all the statements and just running out onto spreadsheet. There's a lot.

 

I was 4 months in arrears and repaid all outstanding debt. charges with solicitors cost £4,947.

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