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    • Yes almost Stature Barred. Which means? So basically I wait and see what happens?  Yes i believe so and is this a new 1 upon you guys? 
    • Should have ignored them from day one    Never give them pers financial details only a judge can demand said    Send them a cca request They'll never have a signed agreement. Bye bye debt   dx    
    • As far as I'm aware the local council don't have any information on the land. I will tell her to get some legal.advice about it. Thanks for your advice it's much appreciated 
    • Hi I would welcome some advice please.  I have been a CAG member for some time and you have helped in many ways.   Way back in October 2007 I took out a loan with Black Horse Finance for £4,000 to pay for a new central heating system that I was forced to install when I had to move into an old mid-terraced house.    The problems with this house got worse over the years and in October 2012 the account was assigned to MEIV who traded under the name Marlin. Also at that time my affairs were being handled by a Debt Management Company.  This company, Money Worries, subsequently disappeared with the MD being chased by Greater Manchester Police.    There followed a long and painful period with Marlin whereby they constantly stated there was no payment plan and I stated that there was.  They claimed no payments had been received and it was down to me to try and sort the mess out.  I said at the time that I would maintain the same payment as I had been to the DMC which was £12.25 per month.  I implemented a Standing Order to this effect.    Marlin, of course, wanted an Income / Expenditure form so they could (obviously) try and pressure me to pay more.  I wrote to Marlin saying their actions could amount to harassment but they continued to maintain there was no agreement and passed the account over to their so-called "solicitors", Mortimer Clarke.   in April 2014 enter Mortimer Clarke who were still, like Marlin, just agents.  As 'solicitors' they started threatening legal action, enclosed an Income / Expenditure form and demanded that I fill it up - effectively disclosing all.  A month later they wrote saying their 'client' had told them to start legal proceedings but actually nothing happened, maybe because it was already beyond 6 years.  They threatened CCJs and credit being "impacted" etc.    I discover that Marlin had actually increased the debt by £500 by slapping on punitive interest. After finally getting them to realise that there was a plan, whether they liked it or not, they removed the interest. I then made a reasonable offer, I felt, to increase the monthly payment to £20.  They came back again demanding their sacred Income / Expenditure form.    thanks to CAG I informed them about 'reasonable' offers of payment and Court Protocol rules and just went ahead and implemented the £20 a month. Back they came saying the offer had been accepted on a "concessionary" basis - whatever that's supposed to mean. In March 2016 they seemed more reasonable and continued the £20.   In October 2018 they try their tactics again and I respond with a strongly worded letter about harassment and follow through on my telephone promise to increase the monthly payment to £25.  Surprise, surprise, this is accepted!  All is then peaceful and calm until February this year when they start again.    As things are somewhat better for me the monthly payment is increased to £60 but now in September they're back again.  Now I know you will say I'm foolish but this time I completed their damn Income / Expenditure form but again, foolishly, I gave them figures based on our total family income.  I am retired as a full-time carer to our disabled son.  My wife is in paid employment but wants to build up savings to start a business idea that she has every chance of succeeding in. I gave them global figures for total Income and Expenditure as how much pocket money I give my son is of no relevance!   They are now saying on the basis of the figures I gave them that I have £494 disposable income and that their 'client' (i.e.MEIV) wants the monthly payment to rise to £345.80.  I am furious.  They have given me 14 days to accept ......or else!!      I am thinking I should do a new IE form based solely on my income and the expenses I pay each month but I thought I would come to you guys first.  If this were to go through it would leave us, as a family, with not much over a £100 to cope with emergencies.   Many thanks in anticipation.    
    • Has a check been made with the local Council Authority regarding the land ?   Usually Councils will have charts showing the land/boundaries in their area.   I know local to where I live there is land with disputed ownership, as documents are missing. There is then a claim process through land registry which you are going through. Because the land was not claimed or part of the property purchase 5 years ago, I believe that land registry are correct, that the landlord would have a 12 year period in which to register a claim for the land. Land registry won't as far as I know actually contact the landlord to make them aware. It would be up to landlord to find out.   There may be a process for there to be an agreement made between Mum and landlord now. Depends on how reasonable the landlord is. But there may be a cost involved in this process drawing up legal agreement for landlord to waive any rights to claim ownership of the land.  Seek formal legal advice from someone qualified to see if this is possible and if so how much legal fees would be.
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Pitters v Nationwide**WON**


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I won. I have been paid the full amount + court costs + interest, and they've canceled a further missed DD charge on my account.

 

I'm happy now, apart from the letter they sent me stating "If you misbehave again, we will be issuing a 30 day notice of closure on your account".

 

If they charge me again, I will be claiming it back - again. Who do they think they are?

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WELL DONE melon farmer, makes you feel great doesn't it!!

i do hope you dont have to wait too long intrnell xx best of luck

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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well done melon, am glad to see they are accepting responsibility wish they hurry up with mine me kids are walking round in scruffs and me tyres on car goin bald!!! ha ha ha

Have you had a search for tyres on the internet? I've been quoted just over £200 (delivered) for a set of Pirelli P7's, while they would cost well over £400 in ATS. Many places will fit and balance 4 tyres for about £25.

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thanks for support lori and melon i am crossing my fingers they just pay up soon as they have for others (unlikely though i think i was born a lemming and bad luck draws itself to me). i will keep posting until sorted, waiting for statements of capital one too and just opened new account with natwest (although not sure why as there charges are an astonishing £38 for a returned DD - robbing pigs!).

 

thanks for the tip melon i will get searching x :D

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hi intrenell, you know you will get all the help and support you need from everyone on here, they will pay up soon and think of the interest! this is the hardest part waiting!!, (ps, watch what you say, you cannot say anyone is robbers or thieves!!) you never know who is watching!! x

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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thanks for the tip and support chuck, i only put it on there in jest hence the (....) but it is ridiculous:D that they are still getting away with it, capital one are the only ones i am aware of who have lowered their fees which is great.

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I know what you meant, lol, and i agree it is ridiculous that the banks are allowed to carry on taking whats ours when so many people are getting there money back!!.......hopefully soon one of the banks will take it upon themselves to reduce these "fees" to a justifiable amount!! and then we will all jump ship to them!!.............can't see it happening anytime soon though!!:rolleyes:

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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I have now had all my charges with 5% interest and court costs returned of Nationwide, just waiting on statements from Capital One, they are very reluctant to send these out to me - I cant understand why???

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why did you only get 5% interest back? I thought it was 8% thats what I got?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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got one of my claims back, day 28 on my 2nd claim Lori and got some back c my threads, do you know if anyone has claimed more than 6 years back and did they get statements or do it in with their existing claim and get Nationwide to dare to disprove it?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Just thought I'd post an update. Thank you all for your support and I hope my case has helped others a bit.

 

I have not received any more from Nationwide, you may remember after receiving just over £1,200 I was £56 short. The figures have been explained to me by letter and the upshot is as follows:

 

Charges: Claimed £542.50; Received £432.50; Difference £-110.00*

 

Interest: Claimed £297.80; Received £376.52; Difference £ +78.72

 

That gives a net £31.28 shortfall and with the Section 69 interest at 8% another £25 or so.

 

*When I wrote my preliminary letter £110 of the charges were within the six year limit but upon payment they were not! One to watch out for eh?

 

The case has now been transferred to my local court but I am going to tell them that Nationwide have settled in full and stop proceedings.

 

Anyway I will get the rest back when we can be sure of success going back further than six years - I await a successful Nationwide case.

 

Now I'm starting on my joint account with NW, a smaller claim but better in my pocket than theirs! I'll start a new thread for that one after I've done the prelim.

 

Therefore I am calling this case a SUCCESS and *** WON *** and contacting a mod.

 

God bless, Pitters

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Congratulations

 

please complete our survey here

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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  • 1 month later...

check pre 6 year thread by bf. my last post shows that i have just received statements from Nationwidde pre 6 years going back to 1991 and 1993. dont know how to add link yet to this so just putting it where i can.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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