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    • Thanks all, I say all! Bazza you do seem to take great blithe pleasure in offending someone you’ve never even met before. I can confirm i’m not an ‘OP’, which I presume is short-form for ‘Old Person’! Well I guess my positive spin on events will have to be consigned to landfill and I am just going to have to go with the general consensus  landslide of opinion and pay it then. Fiddlesticks. Another little piece of soul given to an organisation I find anathema to me - that’s what hurts the most [starts sobbing]. Oh well, could be worse I guess I could a Man City fan defending the indefensible! Thanks again.
    • You will receive a Notice of Judgment with details of the judgment and payment details
    • Hello, welcome to CAG. It would be a good idea for you to read other shoplifting threads here to get an idea of how this works. The police won't get involved now, so no chance of arrest. You need to avoid that branch of John Lewis for a while though. Basically, John Lewis's security people will give your details to either a firm like Retail Loss prevention or DWF solicitors who will then write to you with scary-sounding letters to frighten you into paying them some kind of penalty. They have no legal power and can't take you to court, only John Lewis can. Last time we saw a retailer in court against shoplifters, it went very badly for them and we haven't seen a case like that since - over 10 years ago. But you need to figure out why you did this. If you need support, talk to your GP and aske them. They will have heard it all before and won't judge you. Best, HB  
    • In addition to the information you've been given above, I suggest that you spend some time reading up on the stories on this sub- forum. There is a lot of information about suing as an entitled third-party. Take a couple of days – and by Monday you will be much more confident. More in control and you will have fewer questions to ask but the questions that you do think up will probably be more relevant and more interesting to your case. Do the reading. This is always an essential first step   Additionally please can you give us more details. What was the item, was it correctly declared, was the value correctly declared, what was the value that was declared? Very importantly what date did you send it?
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Warnes v NW


Stewpot42
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I too served my claim on the 13th of March. Today I had a little peak and hey presto a big note saying that the bank admits it owes me the money. I hit the judgement button and filled out the relevant. Should I now be worrying they will defend even though I was told the admitted owing?

18/04/07 Won £4360.09 Nationwide Current Account

19/04/07 Began claiming for 10 years

15/04/07 Began Nationwide Credit Card

26/04/07 Began Egg Credit Card

02/08/07 Won £416.97 Egg Credit Card

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Can someone tell me how Nationwide are allowed to put in a defence on the 12th April when MCOL told me that teh last day they had to reply was the 11th APril? surely this doesnt give them a leg to stand on?

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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Can someone tell me how Nationwide are allowed to put in a defence on the 12th April when MCOL told me that teh last day they had to reply was the 11th APril? surely this doesnt give them a leg to stand on?

 

I think I read somewhere that sometimes they can get a day's 'grace'.

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ADVICE NEEDED!

 

Got a letter from CCBC regarding judgement being rejected, it says " A bar on judgement/enforcement is in place"

 

Any ideas on what the next step is?

 

I have emailed MCOL to complain that they got an extra day to defend, where i would have lost the case if i had left it till day after 28 day notice to defend. - as if 28 days isnt enough? any legal boffins out there who know if this is legal or not? or is it a loop-hole!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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So we can issue judgement against them in the morning of day 29 and even though the rules say that the defence has to be entered within these 28 days the banks are given an extra day.

 

As such the law and the court system would appear to be stacked against us.

PPMAN159

 

If this comment has helped please click on the scales.

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i pressed the judgement button on the 28th day at about 10am the nationwide put in a defence at 4.00pm the same day, my judgement was rejected, nationwide asked for a bar to be put on to stop me from making the judgement. very unfair they have had long enough with 2x letter then 28 days court.

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i think its a bleedin rip-off(unless i get all my claim soon)40 days+14+14+28, then they want a bit longer!!!!

 

Its takin the michael!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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It is a rip off and I feel that the banks and coiurts are taking the **** but unfortunately it is the law and there is nothing we can do about it.

 

As long as the banks know that they have 40 days+14+14+28 then they will use every second of the time and unless something changes then there is not mush that we can do.

 

One other thought though on the 8% interest.

 

When my MCOL claim was acknowledged I sent off the 8% interest schedule.

 

As Nationwide have defended my claim,thereby giving themselves another 14 days, can I amend my schedule to include interest to cover these additional days and potentially all days up until the claim has been settled?

PPMAN159

 

If this comment has helped please click on the scales.

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Thanks

The figure that they have put in so far is just the interest and the court fee.

 

wohooo, so glad thats sorted now on to tackle Lloyds tsb who seem more determined than the NW.

 

thanks to all the people for their help, definatly would not have carried it through with your help.

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Any room left in the boat?

 

Filled judgement on the 13th, defense filled... on the 13th. :mad:

18/04/07 Won £4360.09 Nationwide Current Account

19/04/07 Began claiming for 10 years

15/04/07 Began Nationwide Credit Card

26/04/07 Began Egg Credit Card

02/08/07 Won £416.97 Egg Credit Card

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Still nothing (as usual) in my account!

 

Heres hoping it could be today or tommorrow, still waiting on confirmation of what their defence is at the moment!

 

Any of you have your judgement rejected?(that have just had money refunded?)

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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stewpot mine was rejected and transferred to my local court i am currently waiting for a court date, but yesterday the money went into my account not all there yet but have most of it, my mcol was up on 10 april due to bank hols, so should not be much longer for you good luck they must have a back log

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Again a case of Nationwide wasting money by saying that they will defend the claim, getting it transferred to a local court and then they pay out before the court date has even been set.

 

Apart from us who get our cash back the other people that must be making a mint are the banks solicitors-they must be loving it!

 

As soon as claim is lodged against them they know that it will not get taken to court and as such the work that they have to do must be, I would have thought, fairly straightforward and if they charge the same fee per case then they must be making a fortune.

PPMAN159

 

If this comment has helped please click on the scales.

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WOO-WOO-WOO-HOO-HOO!!!

They paid up!! evry last penny today!! Champagne for tea!!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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Congrats Stewpot!! :D

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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