Hi there, thanx for the support. I have to sent them a budget every 6 months. It is just that suddently they want tons of paperwork that have details such as my employer name and address, bank account etc I was thinking of defaulting the debt and then renegotiating. I don't know though whether they can add interest +charges on that if i did. I have been in a payment plan with them for 3 years after i told them i could not pay any more and they closed that credit card account. Thanx for the help everyone !

Hi there CAP1 is asking me suddently after years of paying in their reduced monthly payment plan to provide wageslips, account statements etc. In the mean while I am trying to get them to reduce my 1023 pounds debt as a result of an ex-gratia offer to them. I called and offered 25% the guy on the phone said that according to their calculations they will only accept 85% full stop. I am not happy providing them bank statements and wageslips etc I don't really want them to have all this info on me and I am tired. Specially as I never defaulted our payment plan (allready paying 80£ a month) for 4 years now. I rather get rid of them alltogether. Is there any way I can encourage them to accept 15 - 50 % (can get money from relative) ? would stopping to pay their little payment plan motivate them ? I own my home, would not want a bankrupsy order or a charging order (it involves a couple of 100 costs usually). thank you

Hi there !! Guess what my credit card claim has been stayed !!! :confused::confused::confused:

Funny that no one has answered to your question for months now .... not even a mod ??? This re: stay of credit card happened to me ....great isn't it ?!! :(:(

anyone ??

...............

lets hope that one day the gov will only permit court appointed baillifs.

Is Somebody Gonna Tell Us What Has Happened ?

I received a letter from Nationwide credit card services stating that they offered me a refund ! in full ! but it is credited back in my now defaulted and closed credit card account. They stated that the charges are a fair contribution towards their costs when there is a breach of contract by me. I had made it clear in the court papers that I wanted payment directly in the form of a cheque ! so I relplied : Dear Mrs bbbbbbb Regarding: Nationwide Credit Card Services: Gold card number: xxxxxxxx Your Log Ref: xxxx I am very disappointed that you are still failing to positively respond to my request even at such late stage of the litigation process brought against you. May I remind you that in my previous letter to you I specifically stated: “I will expect that the monies will not be placed back in my credit card account as it is now closed and as I will be exercising my first right of appropriation for these funds “. Furthermore I have made it crystal clear in my court claim that the only payment acceptable would be directly to my self in the form of a cheque and not back to the aforementioned (now closed) credit account. I will be delighted to explain to the court why I made this request if needed. As you have not complied with my request for direct payment of the total amount unfortunately my court claim will not cease. In regards to your assertion that your charges are a fair contribution towards your costs I am sure that everyone in the country will be delighted to hear that your solicitors would actually turn up to court one day and finally disclose your true costs in relation to the breaches of contract that instigate your regime of charges in your Nationwide Gold Credit Card accounts. Unfortunately you haven’t done this so far judging by the amounts of cases you have already settled with other customers of yours. Until you do so I feel that there is no substance to your assertions of fairness in regards to your charges. In regards to your assertion that you are a fair organisation May I remind you that 3 years ago when I was struggling to make the repayments to the aforementioned credit card account due to unexpected loss of employment your credit card department put a freeze on my nationwide flex account even though I was in receipt of benefits paid into that account at the time. To my requests to you to allow me to access my benefits (child benefit etc) you responded negatively even though I had every intention to work out a payment plan I could afford. It took the intervention of the ever so helpful and understanding to the consumer xxxx County Court back then for us to reach a fair agreement. The sum of money you retrieved from me back then included the amount of credit charges I am now claiming. Now in regards to the legal action brought against you due to the charges you levied in regards to the Gold card with the number: It is disappointing that I had to ask for the help of the xxxx County Courts once again as you will not comply with my fair requests for a repayment of the total amount plus interest plus court costs directly to my self as stated in the letters I have sent to you and of course the court papers. Thus, I feel that describing yourselves as a ‘fair organisation’ that ‘cares for its members’ perhaps is not applying to me. Yours sincerely, tell me what you think .... When I get some money in my hand I will def make a donation .

I really cannot see the relevance of what you say... Mine is here at home and ??

keep me uptodate I am also waiting from canterbury court ! Perhaps we should have applied to oxford or maidstone !

I sued the bank . I applied to have the 120 pound fee remitted. They wanted to see some evidence that I didn't have with me at the minute. I payied the fee but they said to me that if I could get the proof they wanted then they will refund it to me. Now for the question. In the claim + particular's of claim + Amount claimed (on the front of N1) I have stated that I am claiming 120 pounds costs from the defendant ! What would happen if the court refunds my court fee while in the form I am actually claiming it from the defendant ? How can I avoid sleepless nights and endless complications. I don't really want to be deprived from my 120 pound fee for a couple of years with the bloody oft testcase ! but I don't want my claim being striken out for claiming court costs 120 pounds when I got them refunded.

do i need a statement of truth for each sheet of the poc if I am writing a few ? nationwide

Thank you soo much. Now I can crack on !

Hi all. I am trying to type up a particulars of claim but it is too lengthy for the box in the pdf N1 form. I heard that if you attach an additional sheet then you have the responsibility to post it to the defendant within 14 days ! ? I scoured the web and I found conflicting information. Can someone who succesfully done this let me know exactly how to do it ? I.e what do I put on the blanc poc bit on the n1 etc etc

Hi all. I am trying to type up a particulars of claim but it is too lengthy for the box in the pdf N1 form. I heard that if you attach an additional sheet then you have the responsibility to post it to the defendant within 14 days ! ? I scoured the web and I found conflicting information. Can someone who succesfully done this let me know exactly how to do it ? I.e what do I put on the blanc poc bit on the n1 etc etc

I am uncertain over the lawfulness of the aforementioned issue. Nevertheless I am certain with the level of growth in the field of computer science one day there would be the opportunity for indivuals to receive an e-buggery.

Send LBA with special delivery. I am checking to see and print the electronic proof of delivery and ......'sorry the electroni proof of delivery is not available to this item as the scanner may not have scanned it correctly' F£"£" great. It says the date it was delivered but I can't proove that it was signed for and /or by whom ! Am i buggered ... do I need the electronic proof of delivery ?

You are an asset to this site... especially for the newbe like me. It seems that the reason banks are paying up post 6 year claims when there are some within the 6 years charges included is beacuase if they were to turn up in court they would have to argue about the legality of the within the 6 year charges as they cannot say 'we don't have to argue about them we dont have to discuss them because the claimant cannot apply due to the limitations act and he cannot claim concealement because no one decided that they are illegal judicially' because they would be in court and they would have to talk about whether their within the 6 year period charges are legal or not.

hello there where from east kent are you ...wll you have to deal with canterbury cc ? Interesting name...my hubby is Hellenic

That is good advice. I think I will stick with CAG. How do you reckon I should proceed. I have allready sent a prelim ... got the fob off answer and have drafted a letter before action where some charges are incurred on the 12th of July 01. Shall I carry on with this and go to court ....even though in their defence they will quote the limitations act ? or shall I claim a smaller amount when applying in the court ? (not including the 12 of july charges) My worry is that the claim will be striken out due to the limitations act. Please help i am getting quite peed off (though everything would be okay until this complication creeped up) I called the court which stated that they are ADAMANT that the 6 years are up to the date of issuing the court claim not up to the letter requesting the the money back .

thanx for this. The forum i was refering was the original self help forum that brought the case of unlawful charges forward. It is titled penaltychargesforum.co.uk

I have sent a prelim letter. Are we sure about this further than 6 years thingy or is it like the contractual interest pipe dream ?

I do not want to be a pain but the Penalty Charges Forum advocates one 14 day letter rather than two. Furthermore they state that the 6 year period is from the date of the N1 not from the date the bank received the first letter requesting the money. The have helped claim about £4000000 pounds so far and they got me clearly confused. The sending two letters strategy would cost me 400 pounds in lost charges if the Penalty Charges Forum is correct in asserting that that the 6 year period is from the date of the N1 not from the date the bank received the first letter requesting the money. I find this quite confusing can someone help me please . I really do not want to screw up

I do not want to be a pain but the [EDITED] advocates one 14 day letter rather than two. Furthermore they state that the 6 year period is from the date of the N1 not from the date the bank received the first letter requesting the money. The have helped claim about £4000000 pounds so far and they got me clearly confused. The sending two letters strategy would cost me 400 pounds in lost charges if the [EDITED] that the 6 year period is from the date of the N1 not from the date the bank received the first letter requesting the money. I find this quite confusing can someone help me please . I really do not want to screw up