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    • There are example threads where AOS is done but defences are submitted late, it happens, sometimes because MCOL is broken! As the claimant you will be able to reference a late filing and request it be struck out for not following Court Directions, for example if the defendant arrived at court with it on the day without submitting... but I believe there is some (slight) wriggle room for defendants (reasons depending) on late defence. I believe you just need to continue your claim, no defence and not following court directions will almost certainly strengthen your case
    • I'm afraid it's against site rules to recommend lawyers. You could look on the Law Society's Find a Solicitor page for local firms with the right expertise, or google nwnf lawyers in the uk, then check out reviews on social media, review websites and so on, to see how other people rate them. If they say they don't do nwnf, I would ask if they know a firm that does. 403 - The Law Society SOLICITORS.LAWSOCIETY.ORG.UK HB
    • Thanks for that information. I seem to think they have similar names and similar addresses and I thought it was Aldi that was offering the great deal that attracted you to that car park. So we are still stuck with Nexus. Please do not call DCBL about a settlement figure.The first reason is that they have your telephone number which is not something you want to give to those vultures as you rightly call them. They will then harass you on the phone and try and send you last minute details the day before the case -which they shouldn't do. And second they are already charging you £60 to £70 more than they should lawfully, to that they will then add the Court costs that they haven't yet paid or incurred and then say that they will give you this great offer of £150 to avoid going to court.Big deal-not. Were it around £50 that would be a better deal but they would not accept that.   
    • Hugo, how are you getting on? the deadlines can creep up on you. It's useful to have a week or two in drafting a defence, so you can understand it for yourself before submitting. Read other like threads for examples and tailor to suit you. Get one drafted and posted (without personal info) and let us take a look
    • OK thx jk2054 I'll go that route, does anybody have any positive reviews of NWNF law firms they've had experience with? I did consider InjuryLawyers4u, but apparently they're more of a broker, & who you end up dealing with can be hit & miss.  Would rather try & get a sharp firm that are on-top of things if possible.   
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Greenwoods


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I took out a loan with greenwoods a couple of years age when i was working , not long after i had taken the loan out i became unemployed so i spoke to my then agent and agreed to pay what i could afford, this year my old agent left and i got a new one. i have still been paying the reduced amount up until tonight he hasn't said anything, tonight when he came to collect my payment he told me head office has had a word with him and i need to up my payments. He said if i don't pay at least £10 a fortnight he'll stop calling and they will send someone else , he also said they would take me to court and the bailiffs would be involved. i told him there's no way i would be paying £10 per fortnight and they could take me to court if they wanted to after i said that he seemed to change his mind and ask what i could afford to pay, so i told him the amount and he said he would talk to head office and see what they say .I'm just wondering if i should write to head office myself stating the amount i will be paying,.I haven't received anything from greenwoods in writing about my payments being behind so not really sure what to do.

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are you sure your debt is reducing? You should set up a standing order with Greenwoods and pay them £1/month if you are unemplyed and on benefits IMHO. You should also ask them for an up-to-date statement of the account. You may need to SAR them depending on what you find out.

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Yes it's reducing Had a £400 loan credit charge £304 total total repayable £704 and as of the 10 april i still owe £459 as thats when i got my last stament from them

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sounds like he was trying it on, and threatening things which cannot be done atm to try and up the payments. adds to his commission. bailiffs can only poss be involved once there is non payment of a ccj. long way off. if you're up for it report him. pay only what you can afford. they'll accept. catalogue matter? prob unenforceable anyway.

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