Ok, Today we got the letter from the Shabbey saying that they have paid off £900 as a GOGW to the debt management company (despite not bothering to tell me they had paid this) I should have the money this weekend to actually go for the N1 in court and get the ball rolling, can anyone adivse what paperwork I need to take in addition to completing the N1? help appreciated

Paul & Sharon, congrats to you both, you certainly have balls of steel, and credit to you for hanging on in there, we are waiting for a court date for an 11k claim on the Abbey so have read your thread with real interest. well done Gary & jacqui

well done and congrats!!! I'm just sending off my final letter before court tomorrow as I had a second, "nah sorry its all your fault letter today"so will fire of an LBA tomorrow and fingers crossed, my other worry is where should I go to open an account if they shut me down, anyone got a view on the best of what is clearly a bad bunch, oh and dont make me cry laughing by suggesting the abbey as I am taking them for £10k as well cheers Gary

Glenn, cheers for that, I am going for the N1 form this week and going fast track, once I've beaten the shabbey I'll have a bit of a fighting fund and will be going after GE (First National), Capital One, Barclay card and GE money (debenhams store card), I've also just started a claim for £900 V nationwide, but I think I need the confidence of a win over the abbey to start taking on the rest. Thanks everso for you advice Cheers Gary

cheers for that, I've actually got a smile account somewhere, god knows I I find out what it is though

hi, I'm going through the early stages of a claim for a little over 1k, Im a little worried that they will close my account. Can someone suggest the best bank to go to to get another account set up just in case the ba$tards decide to shut my account down. Oh and dont suggest Abbey, been ther done that!

hi, I've already issued the LBA but could someone please tell me the address you are sending them to as I am past 20 days now and want to issue court action but have had no response whatsoever. I sent it to the account service det at Electra house in Swindon?? please help

cheers, so far I have sent just the letter saying I want it back as I think they are unlawful so if I get a response or not I'll add it in like you say for when I send the LBA and enclose a full and final schedule, anybody know what the nationwide are like for responding?

Glenn, cheers for the advice, I've rechecked my letter and part of it stated that I wanted the defaults removed as part of the settlement so hopefully I have covered this angle. However I have now had a further letter syaing that they will invcestigate my claim and get back to me inside 4 weeks (the usual blurb) as my claim is over £5k, what do i need to do now, I'm happy to take em on but I could use some clear advice on what I need to do re the court as next week the 14 days is up and I plan to set the ball rolling asap. anyone that can assist will be really appreciated cheers Gary & Jacqui

chill out, you may feel the world is against you but everyone is right with you and it wont go as far as court. I know how you feel but relax, it just wont happen

hi, I sent off a claim for £260 to the nationwide address in Swindon whilst, since then I have had the remaining statements through and have a further £700 to claim, as of yet the Nationwide have not written back. My question is should I kjust wait till they respond and add the sums together or fire off a seperate letter and run at them twice? any help appreciated Gary

hi, Yes we are going for the removal of the default as well, they said that once resolved they will mark it as siatisgfied but will not remove the default, so thats probably somthing that I'll need to raise in court, I'm quite comfortable taking them on but will need some help with the court side of things. I have now found a letter to accept it as a partial payment and I posted it today, but fully expect them to use the xmas period to delay any further responses. Cheers for the advice Gary

Hello, having sent off the LBA (I used the template) the Shabbey have written to me and made a GOGW to the tune of £910, as they have already closed my account they have indicated that they will pay this to the debt management office and reduce the amount I still owe them !! What do I need to now tell them as I guess the next step is to instigate the court proceedings that I threatened to do in my LBA?? Please help I am still a bit nervy about all of this. Thanks Gary & Jaq

Hi catherine & Dave , First of all , congratulations on your win against the abbey . We are also in the process of taking them on for 10,500 . We would really appreciate any forms you might have that could help us with our claim . Looks like it's going to be a long road , Jacqui.xx Let me know if you need my email address , many thanks.

I wish...! if I'd played for Leicester City i probably wouldnt have managed to rack up this much in charges