Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Lilythepink

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    1,167

  • Joined

  • Last visited

 Content Type 

Everything posted by Lilythepink

  1. Lilythepink
    the problem I had was when I asked Nationwide for a cca they just went to court for a CCJ, and now a charging order. They attempted to fob me off with a application form and when I challenged them, they ignored me, and the FOS just replied that Nationwide were entitled to chase me for the money. FOS do not look at the CCA agreement, don't ask me why, but they are obviously not on our side. Good luck
  2. Lilythepink
    Anyone able to help with this one
  3. Lilythepink
    Today I received a letter from the solicitors saying that Nationwide have said to go ahead with the charging order, but they will accept the offer of payment each month to be paid to Nationwide or them. How can I stop this charging order, whilst payment is ongoing. Also the property is jointly owned, surely they have a say in this. Again how do they go ahead wiith this whenever they have just sent me the intention to enforce the debt, over 3 months ago.. In a dmp and also Nationwide want me to pay more to them, ,than to my other creditors, I told them this, but they don't seem to care. What a mess this is?
  4. Lilythepink
    Yes it was on Stepchange website is it true? I live in Belfast, NI
  5. Lilythepink
    Nationwide CC have replied through the solicitor, saying their client (Nationwide) will continue with legal proceedings, but they have accepted my payment of 20 a month, but meanwhile Payplan are dealing with them as well, so I am paying Payplan and Nationwide, and they are not stopping the court procedure. I read on stepchange's website that if there is an Intention to Enforce payment, they have to do it within 3 months of the original court order: Anyone verify this, as they are just threatening me all the time.
  6. Lilythepink
    Yes, done my own I & E and sent it with any other debts I have. Will set up the SO now.
  7. Lilythepink
    Sent POP NO PPI, and I have downloaded all my statements to keep track of things. Should I pay them anything such as a token £1.00
  8. Lilythepink
    Wrote to MBNA last week, no word back from them, and my account is now in arrears. Any advice?
  9. Lilythepink
    I work for the civil service, and I was off work for a year went back on a phased return over a month, and I was able to use my annual leave, so I got full pay. this was suggested by my HR, as I needed to get back to full money. I dont think your employer can force the phased return on your OH, but if her doctor maybe could write a letter telling them that she is fit for work. It is a distressing time hope it all works out.
  10. Lilythepink
    I am awaiting a reply from Nationwide for over 2 weeks now, and I was thinking that I never got the chance to show the judge the CCA that they sent me in other words how can they put a charge on my house, or enforce payment whenever they cannot supply the agreement. Should I write to the court??
  11. Lilythepink
    For some reason I couldn't get access to the library. thanks a million
  12. Lilythepink
    I am struggling with MBNA credit card, I am using it to buy food and gas/electric on the last two weeks of the month. I have decided that I cannot keep up the payments, and want to address my problem and offer them a payment if they freeze the interest. i cannot find a template letter for this.
  13. Lilythepink
    thanks everyone I think she understands now. Phone was sent this morning.
  14. Lilythepink
    It seems a bit strange though if the buyer has paid for it. Its s case of buyer beware thanks
  15. Lilythepink
    Thank you for the reply, and yes everyone signs the t & c without actually reading them. How are you meant to prove that you are genuine, meanwhile they hang on to the money, getting interest, and what guarantee does the buyer have that you will send the item. Sellers could sell it elsewhere whilst waiting for their money. Not very fair at all
  16. Lilythepink
    My sister has just sold her mobile phone on ebay. the buyer paid straight away through PAYPAL. Paypal will not part with the money, yet want her to send the phone. They say because she is a first time seller, they want her to prove herself, and will not let her withdraw the money for 21 days. Now call me cynical but how are they allowed to do this,, as she is not going to send the phone without payment and the buyer has already paid, but payment with Paypal, and it could be reversed. She has bought time and time again on ebay, no problem taking her money. Any advice on this, as she was depending on the money coming through, and I am sure the buyer will not wait 21 days.
  17. Lilythepink
    Brilliant mine is to happen soon
  18. Lilythepink
    They are the only creditor I have that have went down this route in such a short space of time, with minimal communication, all because they couldn't provide the CCA, they went straight to court action.
  19. Lilythepink
    I still do not undérstand how an unsecured debt turns into a secured debt. Where is the legality in this. Its disgraceful. Where is the incentive to actually pay the debt, which i have been doing.
  20. Lilythepink
    Watching this thread very closely, I am in the same position, and very nervous about the whole thing.
  21. Lilythepink
    thanks for that advice, but I never signed anything to say that my home would be at risk, if I did not keep up the payments, and I certainly never secured any credit card on it. It is jointly owned, and the debt is small. They have told me that I can still make payments to the account, but it will still be a charging order I looked at my credit report, and when it was defaulted two years ago, I was still paying them, and I have made payments the last two months, and they are still not showing. I have written a letter to them, asking where is this money going to,, as I have proof on my bank statements.
  22. Lilythepink
    What do the Nationwide mean,when they say if the debt can be secured on my property. And they only get their money when my mortgage is redeemed
  23. Lilythepink
    northern ireland actually i am going to contest it. It has been too long and drawn out with no answers until now from Nationwide. Sadly it is me who is going to suffer
  24. Lilythepink
    Can you advise urgently, can you setaside a judgement that has already been registered. Need to know, quickly before I start negotiations with the solicitor. thanks
  25. Lilythepink
    I am trying to delete it but i am only on my mobile it was a mistake thanks

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...