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    • thread title updated please complete this: and post up the defence you filed too    not sure where you got that from... is this the same issue? Logging on to MCOL - is the site down? - Financial Legal Issues - Consumer Action Group  
    • thanks for bothering to update us after all the free help.... dx  
    • Hi all,  I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue? I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
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Lu v Nationwide


Lu1
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yeah they have sent a letter saying the sum credited etc.

 

I have checked on moneyclaim online and it says the status of claim is defend, I have never received anything through the post saying they are going to defend - but the date they have put as defence is the date it was acknowledged - is this right???

Should I get a court date through soon - I'm scared!!

 

If I do a letter accepting this as partial payment do I send this to H.O address??:confused:

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Hi Lu1, exactly the same thing has happened to my sister as I have been doing all the online stuff for her. Nationwide were £200 short so I sent the letter accepting the offer but demanding the rest. Today they have put in a defence even though I only set the letter on Saturday. The defence has a date of 22nd December. I'll keep you posted on whatever information she receives. Don't worry, I think they are just trying to pull a fast one.

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Hi

Today I have received my 'Notice of defence that amount claimed has been paid' even though they haven't paid in full.

I have to tick a box wishing to proceed with the claim or not. I want the rest of MY money but worried now that this is going to get to court.

Is this letter standard practice???

When I send this back do I also send a letter to Nationwide accepting this as partial payment but saying I am continuing for the full amount??? Is there a template for this???

 

Any help greatly appreciated

x

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Thanks Garu

I think they are just trying to pull a fast one and scare me off - am a bit worried now but hey it will take more than this trick from Mr bacon to scare me off!

Is anyone else at this stage????

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  • 4 weeks later...

Hi guys

Well I rceieved my allocation questionnaire at weekend so it has to be submitted by the 20th Feb, bit annoying that I have to pay another £100 when I really can't afford but it will be worthwhile.

Am a bit scared at this stage and keep hoping that they will pay up quickly, but I am sure they are just trying to scare me off claiming back the extra £900 that is RIGHTFULLY mine!!!

Seeing as they have already paid up a large amount of the charges surely this shows that they are guilty???

 

Has anyone actually had to appear in court yet???

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I decided to give nationwide a call before filling in my allocation questionnaire to see why they had paid my claim short £900, I really didn't expect them to do anything but a really nice, helpful lady looked into my claim and came back saying they had made a mistake and not printred off 6 months worth of charges, so they would send me a cheque for the remainder of my claim!!!

I'll wait and see when it arrives and for how much the cheque is for before getting too excited but it was well worth a phone call!!

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