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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Suzy H v Nationwide ***SETTLED***


Suzy H
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Hello everyone

 

New girl on the block so thought i'd just say hello ;) I have been reading all your posts for a couple of weeks now and am in the process of opening a new basic account with the Nat West (so I have an account when they close this one). Fingers crossed this goes well as I have a very poor credit rating :(

 

I thought I was ready to go but have just discovered the 'Scotland' forum so although i'm kinda back to square one on the swatting up ... ah well ... my enthusiasm for getting my money back has not gone ... woo hoo :rolleyes:

 

Like everyone starting out - I am very nervous but with your support and words of wisdom I guess things will get easier.

 

Good luck to everyone and I look forward to updating you all with my progress

Thank you :-)

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Hi and welcome to the forum - we're a friendly bunch on here :)

 

Please do keep us updated and we can help you whenever we can - have you any idea of how much you are claiming back yet?

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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Hi Suzy. Don't be discouraged: I have a terrible credit history, but I got a Step account with Natwest with no problem. I have my fingers crossed you'll get one too!

Nationwide: £2443. Settled in full

Co-operative Bank Visa: £351. Settled in full.

MBNA Visa: £476. Settled in full.

AA Account with Capital Bank: £80. Settled in full.

Capital One Visa: £160. Settled in full.

Paragon Personal Finance: £120 fees SETTLED ERC claim withdrawn Feb 07.

Kensington Mortgages: Claim withdrawn Feb 07.

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Hi guys

 

Thank you so much for the very warm welcome :)

 

Dolly ... I think since opening my account in Dec 2003 i've probably accumulated charges on my Nationwide account for about £1500 (as a conservative guess) -which would really go a long way just now as I am unemployed & about to start a uni course in Oct (however I WILL make a donation).

 

Ladymoonray ... please keep those fingers crossed for the 'Step Account' as I need all the help & luck I can get right now :wink:

 

melc - I also wish you good luck on 'your quest' - as soon as I start my proceedings I will update this thread :) - look forward to reading your updates as well.

 

Thanks again for the warm welcome x

Thank you :-)

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:D got a letter from NatWest today saying I now have an account with them so have got my Data Protection letter printed off and am now off to the post office to get a £10 postal order. I'm sending it special delivery to Gary Parkins in Northampton.

 

I have also printed off the Consumer Credit Act letter and am sending it off with my £1 to 'Moorcroft' (man are they nasty people so i'll enjoy that one lol)

 

I'll keep you posted on my progress :)

Thank you :-)

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I received a very nice letter of acknowledgement from Nationwide this morning from Sue Taylor - Data Protection Administrator so just waiting for statements now :-)

 

As of yet i've not heard a peep from Moorcroft but so far my 5 calls a day have gone down to zero so fingers crossed the nasty threatening court letters and phonecalls have now stopped :-)

Thank you :-)

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Got my letter a few days ago, i'm starting the 40 days from when they signed for it on 12/07, only 32 days to go:o ...hate this waiting!!!

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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Hi - not sure if I should start a new thread as it is about Moorcroft and not Nationwide or if I should continue with this thread as this is now mine (sorry if i've done it wrong)

 

Anyway ... after reading 'hagenuk's' reply to 'ianfms's' 'moorcroft debt collectors' I am now confused (ok not a hard thing to do with all the info i'm trying to take in at the mo lol) I posted my CCA on 14th July and Moorcroft recieved it on 17th July so am I now right in thinking that if I haven't heard anything by 29th July (12 days after receipt of letter) they have to obtain a court order to resume collecting the debt and if I still haven't heard anything by 16th August (30 days after receipt of letter) the debt becomes unenforceable!?!

 

Sorry if it's a really obvious question - it's just that until I read that post I was under the impression they had 28 days to provide the info.

 

Thanks in advance for the help :-)

 

Davisc02 ... I to hate the waiting but glad in a way so I have time to compose myself between each stage lol

Thank you :-)

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If you have access to internet banking for Nationwide, they have a very handy feature which enables you to see all charges and associated interest as a list of transactions.

Rotaryboy v

 

1)Nationwide

11/8/06 moneyclaim issued

25/8/06 letter received saying NW will pay back charges in full :-D £50.88 rec'd

31/8/06 remaining £480.00 rec'd today SETTLED IN FULL!

 

 

2)Lloyds TSB

S.A.R - (Subject Access Request) sent

10/10/06 statements rec'd

11/10/06 1st letter requesting payment for circa £5500 - (personal account) - have circa £1100 still to claim on business accounts

This is the big one!;)

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Hi 'rotaryboy' - thanks for that just had a look at my statements back to June '04 and I nearly fainted £3111.86 in charges :shock: I opened the account in December '03 so will need to wait and see if there are other charges to go on final total.

 

It's a shame we (in Scotland) can only claim in £750 bundles ... this is going to take forever trying to get it all back but after seeing that figure it will totally be worth it as that figure alone can clear off a big chunk of my existing debts - what a fantastic feeling that would be :-)

 

Good luck on your own quest

 

'davisc02' did you find your online statements & list of charges ok?

Thank you :-)

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I downloaded back till April 2004 with the individual downloads I was just a bit confused with the "list of charges" bit, is this just the page that comes at the end of the monthly statement? The way Rotaryboy said it seemed as if you could just somehow display online a list of charges which I can't see how you can do.:-|

 

Cheers

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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Hi davisc02

 

Yeah that's what I did as well as I couldn't see where to download as a list of charges either :rolleyes:.

 

Still waiting for my statements to be delivered but can't believe total so far! :shock:

 

Good luck

Thank you :-)

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  • 2 weeks later...

Great new, that's a nice sum to get back :)

let us know how they respond!!!

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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Sorry, haven't been on for a few days!

 

If you go into the full statement page online, you can select the type of transaction (including charges applied) and see all the charges incurred for a given period. You can only go back 15 months online if memory serves, but it is a good starting point.

Rotaryboy v

 

1)Nationwide

11/8/06 moneyclaim issued

25/8/06 letter received saying NW will pay back charges in full :-D £50.88 rec'd

31/8/06 remaining £480.00 rec'd today SETTLED IN FULL!

 

 

2)Lloyds TSB

S.A.R - (Subject Access Request) sent

10/10/06 statements rec'd

11/10/06 1st letter requesting payment for circa £5500 - (personal account) - have circa £1100 still to claim on business accounts

This is the big one!;)

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  • 2 weeks later...

:rolleyes: received my 'thank you for getting in touch about your charges ... but you're still not getting your money back' letter this morning from Sarah Watson.

 

So now going to send off my 'letter before action.' I'm another step nearer to getting there :) Still positive but of course looking forward to the end.

Thank you :-)

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  • 3 weeks later...

Posted my Letter Before Action and it was recieved on September 07th. Still no word from Sarah Watson but hoping to hear from her before the 14 day cut off (21/09) - cutting it fine I know :rolleyes:

 

I'm totally expecting it to be the last of the 'take a hike' letters so i'm going to have to get my head round the court stuff now :o

 

I'll let you know when I get my LBA reply and hopefully you will be able to help me with the paper work etc :)

 

Thanks for all your support and encouragement so far - it really has been invaluable.

Thank you :-)

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We will definitely help - don't submit the claim until someone has checked over it, just post details on here and we'll make sure everything is ok.

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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14 days in total Suzy - then on with the claim!

  • Confused 1

Nationwide

May 23 Data Protection Act request sent

May 25 Data Protection Act request acknowledgement received

June 13 Statements Received

June 13 Prelim letter sent

June 26 LBA sent

July 12 Claim issued via Money Claim Online

July 21 £4798.29 paid into account

 

Endeavour Personal Finance

Sep 12 Prelim letter sent

Sep 18 LBA sent

 

GE Money

Sep 20 SAR

 

SPPL

Sep 20 SAR

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Me too Suzy - I've not heard a sausage from NW from my prelim letter which they received on 7th Sept so I'm sending my LBA out today, then waiting another 14 days till MCOL...

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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