No Letters: Claiming Straight Away

[smesin]

Not really, I just wondered what people thought about this... I got restless during my first claim against Nationwide. I'm just about to start a claim for my girlfriend... What is the worst that could happen if I calculated the charges total and put in a claim straight away and did away with the Preliminary and LBA Letters?

 

I have not heard much disscussion about this and it would certainly cut out about 2/3 weeks of the process.

 

DISCUSS....

[lori1]

hi smesin,, personally i think it's a bit risky why chance it when you know it works this way? they could have your claim thrown out for not giving them enough time! x

[Spiff500]

I can't see a huge problem with it . . .

 

You should most likley send at least one letter demanding the cash and threatening legal action. Prelim and LBA is one letter too much.

 

As far as time is concerned, they have 28 days from MCOL - as long as you mail all the appropriate paperwork.

 

I appreciate that the CAG system works, it is however a little lengthy and could easily have one part of the chain (prelim letter) safely removed with no legal implications whatsoever.

[hannah8686]

IMHO i reakon they would 99% pay up, due to the fact thatthey wont go to court to defend their charges due to the whole discloseur thing

 

i have always followed the method, its up to you if you want to chance it

 

nationwide always pay before court with the exception of if the charges are outside the 6 year point

[MilkTrayMan]

Hello smesin!

 

Nationwide would be entitled to have your Claim struck out,

or at the very least 'Stayed'.

This would be on the grounds that U have NOT followed Civil Procedure Rules pertaining to avoid going to Court in the 1st place, as a LAST resort!!!

 

CPR - Parts and Practice Directions

 

Besides, how would U feel if things were reversed?

...Would U not want prior notification before Court action by a Creditor???