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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • 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?.
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LBA only sent today & my account seems to be closed already!


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I have only sent my LBA letter off today.

 

I have just tried to lift money from the post office and the girl told me my ATM card had been declined.

Came back into work & tried to look at account on line - also off.

Last night I tried to put money into my account at 4.55 but after telling them that I was going to lift money at their ATM and would be 2 ticks they locked the door and watched me freak outside in the rain. This resulted in my mortgage payment bouncing.

Lender will lift DD again in 7 days but my account is in credit now & I cant take any money out.

I am on the phone to Nationwide as I type but apparantly there is nothing wrong with either my card or my online account.(even tho online tells me to contact customer services)

 

I do have a parachute account but didnt think I would need it just yet.

Is this normal from Nationwide or am I just being mega paranoid?

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Well the did it with me at that stage..... sorry :-|

 

They cut off my internet banking and stopped my statements, not allowing me any access to my account.

 

Please let us know what customer services say.

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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They don't technically close it - they just put a block on it. And I was never given any notice.

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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I can understand if they block an account which is over the agreed overdraft limit and the account is being abused but if you are in credit I would have thought that they were not allowed to do this.

 

They did close my account but only after gaining refund via court action not before.

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Thanks for replys

 

I spoke to CS @ Nationwide yesterday and was told that there was no block or stop put on my account. I got quite cross as my online account stated call Customer Services and CS were telling me that there was nothing wrong with it.

I refused to get off the phone untill I spoke to a higher authority.

Eventually a guy came to the phone and I asked him stright out if they were trying to inconvience me because I was claiming charges back.

I told him that I had read several accounts of the actions of Nationwide against people who were claimimg. He told me that all accounts would be closed when Court action was taken but that they werent allowed to to anything to accounts before closure letters were sent out. I told him that I didnt believe him and he went on to say that he had read "the" website (no name of site mentioned by him) and he was aware that Nationwide had a reputation for doing this!

I told him to correct whatever they had done immediatly or I would take this matter all the way to court and claim for damages as well as charges.

Again he stated that they had put no stop on account.

He put me on hold to take advice from a manager and when he came back asked me to sign back onto my account.

It is now working and so is my ATM however I will change all DD's this weekend coz it will probably go off again LBA will be recieved again.

I have printed off the status off my account yesterday and kept the declined statement from post office (just in case)

 

Cat

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