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    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
    • Have you read our upload guide [click on the word] for advice on how to post up documents? Pdf files are best, jpegs won't be accepted. HB
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I'm ready to take you on Nationwide!!


lisa lash
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Ok, have finally got the hang of this thread thingy business at last! DPA letter to be sent once new account sorted, have three years bank statements which amount to just over two grand, so will be interesting to see the grand total that Nationwide have robbed off me. Thanks to this site I now have the courage to take them on, and yes a donation will definately be on its way. Was just wondering if it is over 5g what do I do then?

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I'd get your DPA sent now - it takes them up to 40 days to reply to that, then you'll have all the other stages to go through before they would contemplate closing your account.

 

If it is over 5k you would probably be best to split it down as it is a different ball game after that.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Ok Dolly will send off in the morning, thanks. Suppose special delivery would be wise?? I'm a wee bit overdrawn at the mo, if they ask for this back shall I just tell them to knock it off what they owe me? LOL :D

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Send your DPA request recorded delivery (don't forget the £10) or take it to a branch and get them to sign a receipt to say they have got it.

As for the overdraft, when you win ( :) ) they will more than likely credit it to your account anyway so it will be deducted from that.

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Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Cheers Dolly, will be down the post office at 9am on the dot! Was bit worried about the overdraft as I seem to live in it these days, shouldn't be as it's a fraction to what they owe me! Bring it on! :p

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Data Protection Act letter sent off recorded delivery first thing yesterday morning, so here goes, 40 days and counting! Gotta admit felt very nervous, but thanks to this site I know it'll be ok in the long run. :)

 

 

[Data Protection Act letter sent 29th June 2006]

[statements on way letter received 7th july 2006]

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Some things are just worth waiting for! (Like a few grand back off Nationwide for instance!) LOL :D Gather it can all happen pretty quickly after that, hope so coz the money is very much needed!

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Have opened up the step account with Natwest and in the process of opening the cashminder account with co-op aswell. Thank god they don't care bout my credit rating, it's soooo bad, thought I'd never get another account. Thanks to all the advice on this site, I am now covered should Nationwide close my account down. Once the statements arrive that's when I'm gonna really need your help!! Good luck to everyone doing this, hope I'm not the only one feeling petrified!:shock:

 

LL

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Hello everyone :) received letter from nationwide this morning, thanking me for my request for statements and to say that they are on their way. They wont be thanking me and sending polite letters out once I demand my money back! LOL:D

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