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    • Is this correct ?
    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
    • so won by a section 75 claim under the consumer credit act then   consequential losses are also covered by section 75 as the card provide is equally liable as you've already found out   as for the dealer and court there is no time limit, well 6yrs I believe   though it would be a tough battle but made slightly easier as BC coughed up. but again what would you in all reality 'win' probably go bust or change name        
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d54

Visa Dispute on a closed account issue

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Hi,

 

I had an account with Nationwide about 4 months ago,

at the time I had an issue with a company taking funds without permission

 

I contacted the bank which in turn refunded the two payments back to my account.

A short while went by I thought this was the end of the issue with the company in question.

I ended up closing my account to move to another bank which were offering a good switch to us deal therefore I did.

 

Move forward to now,

I've received a letter from Nationwide asking me to pay back funds of £500 as the company which I had the dispute with provided evidence to indicate the transactions were of my own, therefore they've requested me to pay back the funds into an account of which they've provided on the letter, this letter has come from the 'Payment Processing Controls'.

 

I've tried telling Nationwide I did not give the company permission to take funds,

the evidence the company provided were that of my details that were provided to them when I created an account with them,

I told Nationwide I had an account with them however I still did not give them permission to take money from my card,

they've simply told me I would have to take this up with the company now as there's nothing else they can do.

 

I don't have the funds at the moment to be pay the money back they're asking for, I firmly still believe I do not owe this money back.

 

I've checked my Credit Report which also shows the account as closed and satisfied.

I did speak to the Visa Disputes Team who told me there's nothing they could do to get the funds back as the account is closed,

the member of staff words being "we don't have a leg to stand on".

However someone somewhere within the bank is clearly trying to retrieve this money.

 

Where do I stand?

Can Nationwide legally chase me for this money?

Edited by d54

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what was the dispute transactions.

 

if you gave them your card number

the funds were probably taken by Continuous Payment Authority

 

dx


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