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tristar

Here we go !! **WON**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4767 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thank you

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RE sending them again to N/W, is their a template letter to accompany the schedule which refers to the actual claim that has been lodged. i.e I refer to claim No **** please find enclosed etc...... ????

 

 

Anyone ?? Please advise.:-?


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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Hi Tristar, I filed with MCOL on the 2nd, was advised to use the following template:

 

 

 

 

Dear Sir/Madam

 

Claim Number: ??????????

v

 

Please find the enclosed 'schedule of claim for charges' for this case.

 

Yours faithfully

 

 

 

Hope this is of help


If you have found this post helpful, don't forget to tip my scales

:wink:

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thanks hol40017302 for a copy of that letter. I too was unsure on what to write.

Tristar, My mcol was deemed served on 19 May and it says they have untill the 2 June so we seem to be at about the same stage. Its just the waiting now!

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thanks hol40017302 for a copy of that letter. I too was unsure on what to write.

Tristar, My mcol was deemed served on 19 May and it says they have untill the 2 June so we seem to be at about the same stage. Its just the waiting now!

 

Hi tiatia,

 

We seem to be at the same stage then! scary eh? well stay in touch and we'll sweat it out together, good luck:)

 

hol40017302 thanks alot, I was beginning to wonder if anyone was following the thread !! Lori1 where are you??


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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We seem to be at the same stage then! scary eh?...
Tsk...Yet another equatorial rainforest gets cut down because of a sudden holiday brochure shortage again!...lol...:D

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Hi Guys , just to let you know , i'm watching your thread and am in the same position - served on 13th , time up on 27th .Just waiting and waiting . Seeya:p

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Hi tristar, sorry i haven't been around much (lots of exams coming up!!), but i'm back and if you need anything give me a shout and if i can help i will although i have to say you seem to be doing just fine, best of luck xx


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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Hi tristar, sorry i haven't been around much (lots of exams coming up!!), but i'm back and if you need anything give me a shout and if i can help i will although i have to say you seem to be doing just fine, best of luck xx

 

 

Hooray, your back !!! that makes me feel better. Good luck with the exams,(long..... long.... time ago when I did mine) perhaps I should have studied "money management" :p

 

Speak Soon.


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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Hi Guys, well here's an update. I have received "notice of acknowledgement" from Northampton dated 22 May. stating that they are to defend all of the claim. Now what do I do ??

 

I also have received a letter dated 22 May from a DCA called "K.P.R Debt Collection" regarding the collection of my overdraft with N/W. It contains the usual stuff about court proceedings and getting a CCJ. Are they allowed to pass this onto a DCA if the account is "in dispute"??

 

Please advise on best course of action re KPI, should I phone or write to them explaining the "Disputed account" or just hang on and repay it when / if I get the settlement??

 

The timing is all important here, am I right in thinking they have to 19th June (28 days from 22 may) ?? I'm getting stressed now !! and not feeling to confident about the whole thing.:(


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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Hi Tristar,

 

With regards the 28 days this from the date that the order is deemed served by the court.

I sent my MCOL on 15th May, they acknowledged 17th May but was not deemed served till 20th May therefore I have to wait till 17th June.

 

With regards the DCA write back to NW and let them know it is in dispute. DO NOT under any circumstances write to the DCA as this will be classed as acknowledging the debt and you will be liable for it. I've made that mistake in the past and am now fighting to claim monies back.


Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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I have received yet another letter from KPR, this time offering me a discount on repayment of the disputed overdraft. This despite my letter to N/W explaining (yet again) the account is in dispute. I received a call at home today requesting I phone KPR to discuss it (again despite my insistance that everything be in writing).

 

I have also received the standard " we don't refund or repay charges" (that's x3) letter from N/W, which does not address one single question posed in my last letter.

 

Do I call KPR ?? Do I sent yet another letter to N/W re the dispute??

 

The MCOL was acknowledged on 22/05, could someone confirm when the 28 days is up please. (Working days or not??)

 

Any and all advise welcome.


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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Hi there,

 

The 28 days is up at midnight on the 19/06/07 - some are getting paid back before this date, others like me, have got a defence lodged by Nationwide so awaiting court date - however, if you read my thread you will see that it appears to be the norm as the solicitors have informed me that although a defence has been filed I will be getting my money back!!

 

Good luck.:)

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Hi tristar.

I am a couple of days in front of you & it's like the postman has forgot where I live!!!!!

I have had nothing from the nationwide, nothing in the way of an explanation of defence, though it was filed last Wednesday, & checked the account Monday & no money either.

The only thing I am pleased about is the fact that I have got this far & completed all the steps correctly so there's no way out.

Hanging on in here but it is nerve wracking & I never was a poker player.

Andrew

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Sorry should explain the 28 days passed on the 30th May.

Not heard anything since, though I am assured I will......

Andrew

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Thanks all,

 

I know what you mean about nerve racking:eek: I just keep thinking I'll be the one they have a go at to make a stand !! and I keep wondering and checking that I have followed all the right procedures. They have taken the account off line so I don't know how I will be able to check to see if they are paying up, save going into the branch evey 5 minutes !! They have put KPR (their own in house DCA) to collect the outstanding O/D and they keep insisting I call them (KPR) I have said the account is in dispute and eveything should be in wroting only, but they are piling the pressure on and it just makes wating worse.


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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Hi tristar!

Nationwide's DCA will have 'flagged' your account.

This is to make U contact them so that they can put unsympathetic duress on U to pay your "DEBT" to them.

If blocking your access to your online Flexaccount doesn't work, they will eventually 'FREEZE' your Flexaccount!!!

btw...How's Lori et al getting on?...;)...:D


The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Hi MTM, Thanks. Lori et al seem ok. Have posted but have say at this stage I'm happy here. Whilst I have your attention, what is required (list) in a court bundle??

 

Regards


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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Hi there,

 

The 28 days is up at midnight on the 19/06/07 - some are getting paid back before this date, others like me, have got a defence lodged by Nationwide so awaiting court date - however, if you read my thread you will see that it appears to be the norm as the solicitors have informed me that although a defence has been filed I will be getting my money back!!

 

Good luck.:)

 

 

Hi Tristar,

 

Your 28 days begin on from the date the papers are deemed served. This is usually 5 days after you enter through MCOL and will be stated on your papers sent from the court.

The date girlybiker has quoted above is 28 days from acknowledgement. Check your original papers from the court. It will be on their.

28 days is calender days but obviously if the 28th day falls on a weekend (as mine does 17th June) then you follow on to the next working day.

Keep focused. You will get your money back. NW seem to be randomly paying out either just before MCOL deadline or just before court. There is no pattern to who and how they are paying up.

 

 

 

If this post was useful please click on my scales and leave a rep comment.

  • Haha 1

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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K P R DEBT COLLECTION :-x

 

Well, I don't know where to start !! I received a letter from them yesterday, even though I have written to them twice now explaining the account is in dispute. This letter was headed in large bold letters as "FINAL NOTICE" they went on to say that as I had failed to comply with their request to make any arrangement to repay the disputed amount, that if I did not respond in 7 days they would be passing to their solicitors who would:

 

" Get a charging order on your property" and that "You will be forced to sell your home".

 

I could not resist calling these ars*****holes !!

I was calm and polite and explained the situation to the idiot on the other end. He then said it would be passed to Nationwide. I asked why then did the letter state it would be passed onto "Their" (KPR) solicitors, he tried to explain that KPR were Nationwide, So why does the letterhead state KPR? and you state "our solicitors" he could not answer the question !!. He would not accept that no further action be taken and said I would be hearing from the solicitors within 21 days.

 

I am so f***ing angry if he had been in front of me I would have decked him!!!:-x

 

Are they allowed to do this ?? The letter was threatening, intimidating and they have obviously not read any of my letters, what can do (legally) to force these people to back off? If the law is on my side, why can they just ignore it??

 

advice please, ta.


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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So glad I found this thread. I am also in the same boat.

My thread is 'Longley v Nationwide' but I am sorry I dont know how to link to it!

We also are dealing with KPR due to a £300 unauthorised overdraft created by our dear friends Nationwide...We filed in court via N1 and NW entered a defence to defend all of the claim on 30th May so they have till 27th June.

We have toyed with paying off the U/O as I am worried it will affect our claim in court, however as the debt is made up PURELY of charges applied all except 54p I am feeling like I wont! Tristar what are your thoughts on this?

 

Husband rang KPR and told them the amount was in dispute and so they cant collect on it and they have halted till July and a very snooty lady told him 'the courts are ruling in favour of the banks now dont you know'

We dont use the account so it isnt a problem other than loosing the internet banking, so it isnt as easy to look at the balance. Also if we went into the branch they may take the cash card away (although there wouldnt be alot of point!!)

Will they still pay into that account do you think WHEN we win??

It is a real headache but thank god we havent had letters like you have Tristar, how can they get a charge on your property if the debt isnt linked to it eg. a secured loan??? I didnt think that was possible. I was also shocked to know that KPR are the Nationwide.

Hang in there :)

Jane

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Tristar I went 'a searching' within the forum in the Debt section and found this link

Resisting harassment from creditors with the Wonga Wallah

It states

The laws that protect people in debt from unreasonable behaviour from creditors or their agents are: Section 40 of the Administration of Justice Act 1970 and specifically, The Protection from Harassment Act 1997. These state that it is a CRIMINAL OFFENCE if a creditor or their agent makes demands for payment in such a way that it causes alarm, distress or humiliation to a debtor or their family.

 

Have a read of it , hope it helps.

Jane

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Hi Willow,

 

I've calmed down now and thought about this. I will check out the thread, thanks. I will also fire off a letter to KPR with all the relevent legal details and see if they back off a bit. I would still like to report them but need to check I'm on firm ground before I go down that path. As for Checking the balance? Can't help I'm afraid. It seems you have to go into the branch. They may send either a cheque or pay the returned charges into the account once they removed the "indicator" on the account. I filed MCOL on 17/05 and so next week is "D" day:eek: , no defence filed yet, just an aknowledgement. If you look at the very very small print at the bottom of your KPR letter you will see they a"business name of Nationwide Building Society" and are even based in the Pipers Way Offices!!

 

Stay in touch and I'll keep you info'd on my progress. Good luck with you case.


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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Yes keep me updated :)

Roll on 27th for me.....I would like it to all be over now! Yes I only have an Acknowledgement too at this moment in time wonder if they will put a defence in by 28 days or run over like they seem to be doing with alot of people? Time will tell

Good luck 2 u tooJane

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:D BINGO:D I've won:D

 

I am beside myself with joy, astonishment, pride and feel as if I have won the lottery:D

 

As you are all by now aware I cannot check my account online as it has an "indicator" on it. The time of reckoning was next week (19th /20th) for them to file a defence, so nerves were jangling:eek:

 

Well this a.m I opened a letter N/W to find that they confirm they have refunded:

GBP 4193 in charges and cancelled GBP 42.09 in pending charge PLUS

GBP 250 to cover my costs PLUS

GBP 900.20 which represents interest claimed.

 

TOTAL GBP 5343.20

What a rush:lol:

 

Thanks to all who have assisted and guilded me through this process, I really can't thank you all enough. Special mention to Lori1 who inspired me in the first instance. Thankyou thankyou thankyou !!!!


tristar;-) More than just an account number :mad: !!

 

NATIONWIDE ROUND ONE

Prelim sent 11 APR 2007

LBA sent 20 APR 2007

MCOL Acknowledged 22 May 2007

:lol: Full settlement £5343.20 received 15 June 2007:lol:

:lol:CapQuest; CCA requested 21st May 07, Not Supplied

19th July 2007, Account closed by Capquest no fuirther action.:lol:

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:D BINGO:D I've won:D
The 'Foxy Lady' has been having a 'Gala' praying towards 'Mecca' this w/e then eh??!...lol...:p

 

 

 

 

 

...feel as if I have won the lottery

Try to be reasonable!

...U know that a little ol' lady of 85yrs from Eastbourne, with NO living relatives + only 27 cats for company, will win it tonight!...(...again!!!)...lol...:D

 

 

 

 

 

As you are all by now aware I cannot check my account online as it has an "indicator" on it. The time of reckoning was next week (19th /20th) for them to file a defence, so nerves were jangling
Daily visits to your local Branch, until it's ALL been paid then!...lol

DON'T tell the Court your Claim has been 'Settled in FULL'...until it actually has!...;)


The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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