Its time to use Nationwide's actions against them

[Quest]

Hi to everyone who is challenging the Nationwide. I am currently at the MCOL served / acknowledged stage and I am anticipating that the Nationwide will cave in and pay up very soon.

 

What I would like to do, in anticipation of them caving in and paying up, is gather evidence via CAG of other claimants who have filed against Nationwide only for them to acknowledge (i.e. pretend to defend) and then pay up.

 

I want to write to the Northampton court with a list of cases where they behaved this way. It's time to stop the Banks abusing the court process and wasting time.

 

Please reply to this thread if you have filed against Nationwde and they acknowledged your claim, but paid up without going to court or offering a defence. I need to know:-

 

1) your MCOL / claim number

2) confirmation that Nationwide acknowledged

3) confirmation that they DIDNT actually defend, but paid up after acknowledgement.

 

Please also supply dates for all of the above.

 

If I get a body of enough evidence, then I will write to the court and ask them not to accept any more aknowledgements from the Nationwide,and seek default judgement in favour of all future bank charge claims against them. I beleieve from reading other bank threads that some county courts have already begun to rule this way and challenge bank behaviour.

 

Even if I dont achieve the desired result, this action will start to put pressure on the Nationwide and raise awareness with the court that the process is continually being abused.

 

Quest

 

Also, could a mod please answer this question. if when claiming via local court or via MCOL we are allowed to enter any valid address for the defendant (e.g. a branch address) for court correspondance, why is everyone making it easier for the banks by submitting the claim with their Head Office address?

 

I recently won against Bank of Scotland and listed my local branch as the address for all dealings with the court. BoS failed to defend in time and I won by default. I suspect that their admin was so poor that using the branch network instead of their Head Office acted in my favour! It seems that they may have got tied up in their own admin red tape. If this tactic is a valid one and could work in favour of the claimant, then why not advise everyone on this forum to stop making life easy for the Banks and make them work a bit harder in response to these claims!

[mahharg]

Hi quest

 

I queried something along the same lines and the response I got was a resounding no no.

 

the courts are already more than painfully aware of the "by rote" defences submitted by banks, with no intention of ever pursuing the case to court.

That was one of the replies I got.

 

 

On TV a week or 2 ago "tonight with trevor mcdonald" The senior county court judge (official title not sure of). He mentioned that almost all county court judges are just as peeved off as we are of the banks tactics. So as you can see writing to the court would really be a waste of time.

[Quest]

Thanks Mahharg,

 

I find it a bit strange given the level of Court knowledge and unhappiness at the Bank's behaviour that some sort of coordinated effort by CAG is not implemented.

 

Clearly the Banks are getting away with murder, tying up a lot of court time and abusing the process. At the very least we should be lobbying the court with the wealth of evidence that this site has at its disposal.

 

The more pressure built up against the Banks, the more likely individual consumers are to secure justice without having to go to the lengths forced by the Bank's behaviour of drawing things out in the attempt to limit their liabilities.

 

Anyway, lets see how the thread progresses, but thanks for your reply.

 

Quest