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About pluribus

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  1. Ex Nationwide... OK, I'll just wait and see what they do. Thanks
  2. Hi Dx Yes, I followed all the advice. I've had a letter of claim I've posted before, and followed all the same advice from that thread. This one differs in that they have failed to supply the relevant documents as requested within the required time limits. It was a credit card debt. Ian
  3. Hi Caggers Received a Letter of Claim re Robinson Way / Nationwide credit card debt. Have already sent defence as advised in various other threads here. Won't clog up thread with unnecessary details. However, 5+14+2 days are up as of today, and they have failed to send any docs as requested by SAR and CCA letters, simply stating today "we are currently in the process of retrieving these". As they have failed to respond in time, is this unenforceable? Is there a particular letter template to send? Thanks in advance Ian
  4. Is there a particular letter I can send them to give them a bit of a shove?
  5. We've been in our current house for a year, and I can't remember if it was done just before or just after we moved in, but within a month either way.
  6. Hi We put in a claim for ppi with Nationwide (after going through the SAR process and many, many letters). They acknowledged the claim ages ago, but demanded we update the address and ID as we moved since the account was closed. We went into the bank and filled in the change of address forms. They told us the claim would be processed as soon as the change of address was done. Since then, we've heard nothing at all. No letters, no calls, nothing. Is there a "reminder" letter template to give them a kick up the rear?
  7. Just waiting for replies to my new SARs to Vanquis and Lowell. Attached in a screenshot (info removed) showing my credit file with Lowell listed as the Lender. Each red dot is equal to £400. Vanquis isnt even listed anywhere on the credit file, either open or closed accounts.
  8. I've already got the SARs from when I gathered docs for my claim. This was in court in January though, so I will have to dig them out of the filing cabinet and take a look through. Definitely want the compo - dont really care how much, just want them to be out of pocket. I've downloaded the complaint forms from the ICO website, they've said because I have supporting docs it would be better if I sent copies through the post with my complaint. Happy to do so as it forces them to write a response back to me. Too late to speak to the Court when I tried, so will do so again o
  9. Original creditor was Vanquis. I'm self employed and have had several high-value tenders turned down in the last 6 months or so, but I cant prove thats because those people did a credit check (likely though, due to the industries involved). Feeling a tad stressed now you come to mention it. Headache too. Nothing at all to do with the primary school next door... I might have to lie down for a minute or two... Seriously though, I did have an application for a mortgage refused last year, (which I could easily afford to pay off in as little as 8 months). Thes
  10. Hello Caggers! Back in January I went to court against Lowells for a debt that didnt exist and won. I've just looked at my credit file for another reason and am astounded to see that Lowells are still registering defaults on this account - the most recent being updated last week. The Judge decided there was no case to answer and that the account had been closed satisfactorily in 2013 with a zero balance. Looking at the credit report, it clearly shows the account is considered active and Lowells have updated the default every month since August 2014 until last week.
  11. No, copy of letter from the credit card company verifying the application was electronic and all in order.
  12. Yep. CCA, CPR AND SAR. They ignored all 3, but included the CPR in their defence packet.
  13. I wanted to share my story with you all, hopefully you will find something useful here. Last week I went to court and had the case thrown out by the judge due to "fundamental errors in the claimants case". As I know Lowell's read this forum - and because I have another case pending against them - I am going to be vague in some respects, but hopefully there will be enough information to help someone out there win against them. Over 15 years ago I worked for a well known credit card company. Shortly after I left, I took out a card with them. The card was operat
  14. Letter received from Lowell Solicitors today (scanner not working so I'll type it): Next was a photocopy of a non-headed paper letter from Vanquis about the assignment of the debt to Lowell Portfolio I Ltd with Lowells ref number. Finally a photocopy of a headed letter from Lowell introducing themselves as the fair and wonderful people they are. Whats the best course of action next? Regards Ian
  15. Must have been after my time. I stopped working there in early 2005-ish
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