I have just checked my account online and 'low and behold'.....2 payments have come in! One for £420.00 and another for £27.92 ....named as 'corrections' ....... I'm in shock! :o:eek: ''Off down the pub now quick for a stiff drink to settle me nerves'' ha ha! Jebbymot

I've been living at my current address for 1 year now. I recently purchased my Credit Report from Equifax a few days ago and found a 'Default' placed on my file by Nat West Bank Plc in Apr 05 at my previous address ...(Penalty Charges for Current Acc i'd had with them) I paid this debt and thus it shows as current status 'satisfied' 07/05/05. Also, under heading Credit Searches is an 'Outstanding Debt search' made by a Bcw Group Plc T/a Buchanan Clark on 16/01/06 at the same address with whom i've never even heard of -Let alone had any dealings with! I located them on the internet and found out that they are a DCA. I telephoned their Glasgow office to query it all. I told them what I had found in my Credit Report from Equifax and asked what this 'outstanding debt' was all about....... To whom it was supposed to be owed to and for how much, etc? Bcw had no record of my name, address in question or any debt registered against me on their files, and gave me another telephone number to call in Stratford-upon-Avon. Again, exactly the same....no knowledge of me, address or debt. They also kept asking for my 'reference number' to which I hadn't a clue what they were on about. Basically, they had never heard of me. :? Ok, simple mistake I thought! So I put it to them nicely that if they couldn't explain why this rather dubious and damaging search entry was on my Credit Report, then I would like them to remove it asap...as it is having an adverse effect on my credit rating/score. They told me that they could not do so as they have no record of having entered such information on their files in the first place. They added that they 'do not make credit searches on a person(s) Credit File' (so why is their name next to the entry on my report?) ......and hung up on me. I reported this to Equifax and asked them to investigate and for their help and assistance in the matter. I received the following reply;- 'the search was in relation to an oustanding debt due to Nat WEst Bank Plc. What was carried out was a trace search on the address.As the search was a true reflection of Mr ****** financial position at the time it cannot removed,ubless the debt was repaid prior to the search date of 16 January 2006. If this is the case and we are advised accordingly by the client I will be more than happy for the search to be removed.Alternatively the debt has been settled after this date a notice of satisfaction should be requested to be placed on his credit file which will counter act the search details recorded' ** I have copied it exactly the way it was received from Equifax The client, bcw are saying that they have no record of me or any debt to them and completely deny the 'search entry' was made by them - Are they lying? Equifax are saying it's relating to a debt - that i've already paid prior to 2006......Are they correct? I'm in a real quandary as to the next course of action??:?

Quick update....... Court have told me that Nation have 'acknowledged' but not put in a defence as of yet. More stalling and delay tactics from them?? Prelim letter sent 16/01/2007 Letter Before Action sent 31/01/07 N1 Court Claim on 16/02/2007 - Penalty Charges £420 N1 Court Claim re-submitted 26/02/2007 + 8% .....after court losing first one! Acknowledged 02/03/2007

Exactly Eggo'.....and they lost/misplaced the first one! However, Nation have until 14th March. If by that time they have not reacted/acknowledged/put in a defence etc.... then i'll go for judgement against them first thing on 15th. But i'm sure they are waiting to the last possible minute of deadline. Also, if they, in the interim send any letter relating to the closure of my account, then I shall force them to close it...rather than me acting upon their request and in their time period. Another Court issue will be filed against them!

Finally received a Notice of Issue from the court today. 'Your claim was issued on 26 February 2007. The court sent it to the defendant by first class post on 26 February 2007 and it will be deemed to be served on 28 February 2007. The defendant has until 14 March to reply' I tried telephoning the court today to see if Nationslide had acknowledged and filed a defence etc - but I could not get through as the switchboard was constantly engaged. :-| I will try again from tommorrow morning onwards! Prelim letter sent 16/01/2007 Letter Before Action sent 31/01/07 N1 Court Claim on 16/02/2007 - Penalty Charges £420 N1 Court Claim re-submitted 26/02/2007 + 8% .....after court losing first one!

Hang on in there Eggie! 'All good things come to those who wait' and you've come this far!........and sounds like not long now for you! I've not heard or received anything so far regarding mine - however, i'm sure it will be soon. All the best!

If you are claiming the statutory 8% interest on your total charges - you do not add this amount onto your schedule of charges at this stage before sending the Prelim Letter.

Hi Tractorgirl, Here is the link to what I think you are asking for. I used this one with the help of a buddy. You could also get a friend to double check your figures afterwards. http://www.cag-files.co.uk/barracad/Spreadsheets/England/Simple-charges-calc.xls Hope you find it helpful!

Have re-submitted my N1 Claim Form at my local County Court today. ReVamped, with the statutory interest @ 8% added on this time. (thanks to a close friend helping me with the calculation ) .........Let's hope they don't lose or misplace this one. Fingers crossed!

I did not receive a telephone call as promised from the Court yesterday or this morning so I telephoned them again a short while ago and spoke with someone in the Issue Department. I can confirm that my original Claim Form together with my Court Fee Exempt Form handed in to my Court on 15 FEB 2007 cannot be traced. According to the Court they have no record of these documents and said they appear lost or misplaced. They apologised and said that I will have to submit them again. Just as well I checked with them - otherwise i'd still be waiting and watching the letter box for the 'notice of issue' to drop on the mat.........all in vain! ** I STRONGLY ADVISE that anyone who has been waiting for 7 days or longer for their 'notice of issue' to arrive from their County Court to telephone them and check if they have actually got it! (received the N1 from you). Especially more so if you sent it by post. Do not always assume or rely on the Court that it is doing it's job properly. Similar to the banks, THEY CAN MAKE MISTAKES TOO - which I have found out. If in doubt..........check it out!

Ok Guido, will do that! Thanks for your advice and help mate

No Guido - I have not received any correspondence from the Court or other parties whatsoever!

A week has passed since I filed my N1 claim at my local County Court and having not heard anything back yet, I rang the court a short while ago to see if they could help me. A man on the other end of the phone told me that 'he could not find any details of such a claim made by me'...even though I have a stamped copy of the front of the N1 stating RECEIVED 15 FEB 2007 I asked him what he meant by this and what he thinks has happened to my Claim Form to which he replied 'he didn't know - and that someone from the Issuing Department would call me sometime later today' What if they have lost it? I am worried now

Thank you Guido and Milk Tray for your links - very helpful indeed, plus I know a bit more now and what to expect next. In retrospect, and in relation to my claim, I did not claim any interest. Simply because I did not know how to do it and how to work it out etc...(never been very good at maths and those spreadsheet things) So I've lost out on that. Hindsight and info is a good thing! Anyway, lets hope they pay me for what i'm claiming for. jebbymot

I've handed in my N1 Claim form today at my Local County Court - (2 copies along with the schedules of charges) along with a Court Fee Exempt form. A lady looked at the forms, vanished for a few minutes with them, then returned where I was handed back a photocopy of the Claim form which was stamped with 'RECEIVED 15 FEB 2007' She told me All was ok.....I left and that was that. As the Court Reception was very busy, plus being in over awe of the whole situation, I completely forgot to ask any questions as to what happens next. What does happen next? Do I have to do anything else? or have I forgotton or missed out something? When will I hear anything...?? Can anyone tell me?