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    • god what a long post but -  a very simple answer to it though  - simply WRITE BY SURFACE MAIL to all your creditors stating here is my new address since of date 3yrs ago. if you wish inc proof of residency in your EU country. not a lot they can then do. dx
    • It's probably a bit late for sending 4 to 5 letters! Although that does depend on the court date. Your brutal honesty is not far from the mark, though, I totally agree. @honeybee13 can probably summarise the court proceedings if we ask nicely.   @jk2054 it's a good point about the cash. It's a curious thing, but it's still very vague. There's been a mention of being to broke to afford fares, yet living off capital 🤷‍♂️
    • Your post is far too long. May put people off replying. I have edited into shorter paragraphs. Essentially if you have no plans to return to UK and the debt is unsecured and you have no plans to return to the UK, then the best option is to inform creditors of your EU address. Do you have social media accounts e.g. Facebook, LinkedIn?  If you do, then make them private. Otherwise they may try to contact you via employers. Creditors likely to get CCJ's using last know UK address, but not yet. They may wait possibly until 5 years after default. Once they  have CCJ, they then have 6 years to try to enforce. But a CCJ does not die, it is just they  need to go back to Court, if they wanted more time to enforce. So you are looking at creditors trying to enforce these debts into the 2030's ! Credit card or loan debts are civil matters, so no issue at borders.  Don't think they can get UK Court to agree to wage deductions.
    • please refrain from keep hitting quote just type in the msg boxes. are Cobham Hall School named as the claimant on the claimform please, if not who is. school T&C's that state they can add interest just because the debt has been passed to a no powers DCA can be challenged, you'll see this in the kingshill claimform threads already here on school fees. your defence will be almost the same as those threads but we need to get your ducks in line first, without assuming certain things and making errors before going forward, your defence is not due till 4pm 4th march. have you had an acknowledgement that your AOS has been accept form the court? dx    
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Nationwide Default Notice (balance owing 98% charges)

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Hi there,


Have just received a default notice from Nationwide current account, now the majority of this default amount is made up of charges. What is my course of action on this?


There are also a few things on the default notice itself which make me believe it's a little dodgy, i.e. my postal address is not on the notice (just my name) and also it gives me a remedy date of 6th March, with a letter dated 20th February and sent first class, by my calculations I should have until the 8th.


Anybody want to give me some ideas on what action I need to take.


I can upload the notice if needed.

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dispute the balance and reclaim the charges using the updated claims letter? get it in before 6th march, ie immediately. a disputed account can't be defaulted, although they will probably do it, but its further ammo for you.


also, ignore the date just now. if they do default you its good ammo for removing the default.


if they then terminate the account it would be an unlawful recission of contract, meaning you'd only be liable for the arrears.

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I hadn't realised there was an updated claims letter, I was under the impression that all claims for current account charges were dead in the water since Govan Law had exhausted every avenue.


The arrears 'are' the entire overdrawn balance.

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how are the charges made up? charges because of charges?


I'll have to check on the exact amounts but I think I went overdrawn for a couple of days, then went back into credit. Everything after that was as you suggest charges added because the charges had taken me overdrawn. There is a direct debit bounce charge in there also, but the rest are charges upon charges.

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Need to get a letter off today if I'm to contest this, anybody any ideas?


Can't claim as per the new developments as I don't have evidence of them being misrepresented.

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