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    • ive locked the old thread post here now. it's how backdoor CCJ's work sadly as he didn't update his 'creditors' he had moved sadly quite legal and to be honest 9/10 nothing can now be done. paying it will NOT resolve the issue a CCJ shows for 6yrs regardless to paid or not or paying or not. you could poss ask whom is refusing his guarantor status for you that if the CCJ is paid, would the issue be resolved, but that will cost you the sum of the judgement. dx  
    • new thread created for this parking CCJ. please only post here now.  
    • So how can the courts then issue a CCJ?! Confirmed by Registry Trust? and issued by CNBC?! 😡  I'll phone again tomorrow and get all the details.
    • dx is wrong there. The reason they did the application with a hearing is likely that they had questions of the application that weren't answered in their wx. nothing to do with your N180 no they are just saying that they want the extension to make it 7.
    • its not a fine! it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge dx
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mel v natwest


meltoadhall
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my nat west account was closed by them last year after their charges put me over the overdraft and they still wont freeze the interest (branch very unhelpful). i havent had a statement for over a year and tho i pay an arranged £10 a month, i have no idea how much i owe them or them me for that matter!!:-x

so i'm going to get my money back!!!!

my first question: is the letter asking for statements the same because the account is closed? is there anything i should add to it?

thanks

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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well now i had a result.

after reading the other threads on contacts i decided to ring and eventually was put through to the debt recovery team where my account now lives. nice lady is sending me out the 6 years worth and didnt cost me anything.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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Share on other sites

  • 1 month later...

finally got two years worth of statements - apparently the others are coming in drips and drabs! so far over £200 in unauthorised overdraft fees and unpaid cheques.

I can claim these back cant I?

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

Link to post
Share on other sites

  • 2 weeks later...

finally got the rest of the statements, going to add them up now. money money money.........

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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Share on other sites

  • 2 months later...

well it took a while, but I have finally sent off the prelim letter, so in the new year there should be some more money around - well actualy most of it will have to go to the account to clear the debt, but at least that'll be another one down.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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Share on other sites

  • 2 weeks later...

sent the lba letter today

from what i've been reading about the natwest they seem to go the whole way and send out defence and aq's, is this the norm for most people?

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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seems to be

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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  • 1 month later...

well now, a result

recieved a letter from natwest offering me a the whole amount and i didnt even have to go to court.

i was going to do the next stage this pay day as i ran out of money to do it, but i am so impressed that they have coughed up without any pressure from me.

they want to put the whole amount into the account but i want the cheque sent to me, can i make them send it me instead?

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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Share on other sites

I think no as you haven;t filed a claim agianst them but is the account closed ie no longer with NW, i think it is with Credit Management Services from my reading of the first post. Will that clear the arrangement with NatWest over the account?

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i rang several different depts and no one can decide whose responsibility the acc is and whether it is closed or just frozen. it will clear the debt on the account with a bit left over tho.

am going to send the letter accepting back and put in a covering letter asking for a cheque.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

Link to post
Share on other sites

my gut feeling is that the debt going is sufficient but a cheque for the remainder should be fine IMHO, at the end of the day it is one less debt and money to fight other more formidable opponents. Congratulations on the win!

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