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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Sarah Lou VS Nationwide


Sarah Lou
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How would one obtain the original T&C from so long ago? (2001 in my case) I have no problem attending court and what to say as have done so in the past (due to my occupation) but (forgive me if i sound ignorant) if the contract (that berwick failed to supply to the judge) says that they are service charges, then the argument would have failed anyway (that thye are indeed penalty charges) I think I can convince a judge (some of my charges state cheque card 'misuse' fee) that these are penalties not services but what does the T&C of the flex account say about the fee's? that they are a service (to be encouraged to use!?)

 

One last question and I appreciate you listening. Should I send entire schedule to northampton in readiness as was limited to 1000 words and no attachments (schedule etc) were possible with MCOL.

 

Thanks buds

 

Pestrick

 

issued 18/5/07

judgement can be made 19/6/07

amount claimed £1550.

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Just rang eversheds, 5 days before I am able to enter judgement against n/wide.

Upshot was, well it must be good news!

They have their full instructions from nationwide. I asked without prejudice what they were, their policy is to not advise and simply say they have until 17th june to undertake those instructions. I said that courts are now saying it is unfair and possibly an abuse of the process for the banks to wait to the 11th hour to pay as this is causing undue stress on the said litigants. They said sorry, but that is our procedure and they cannot tell me what the instructions are.

 

I see this is good news! You know why? Because surely if it was to defend the matter then the defence would be in ? (well I hope it would) and as we know, when they settle these they do so on the final day before judgement and then advise the court. My best guess is that this is exactly what is going to happen, as per the last 2 litigants on the forum over the last 2 days.

 

I smell a victory a few days away! I suppose you could suggest that if they were going to defend they could also do so on last day to string out process so money in their bank for longer etc. but going forward, they haven’t done that to any claimant I’ve heard of yet.

 

anyone have any comments? thanks!

 

pestrick :D

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Hi Pesty and Legend, as I see that your both online I`ve kept myself updated and thought I`d just send you both a message of encouragement. I really think they are paying up all the time now but it just takes time! In my case the charges came first put into my account. Then a letter from N/W telling me they were refunding. then the interest went into the account. then, finally a letter from court saying their `Defence` was that they had `Paid up`. So i`m sure it wont be long for all of you out there.

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HELP, i issued at 10 minutes past midnight for judgement so perfect timing yet they get in defence before 10am next morning when i´d already pressed judgemnt. their defence doesnt tell me anything but this

 

7QZ72910

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

 

is this normal and will i still get paid! i dont mind my day in court but what is going on they should have paid and i´m abroad dont know what their defence is. most people been paid on 28th day. i dont have acct with them anymore are they really goign to defend or just stalling me for another 28 days :question mark_ sorry foreign computer. am i going to go to court now or are they just stalling has anyone else had a defence from them then got paid _question mark?

 

please help!

 

pestrick

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Whoa there pestrick. If you read through other threads, some people have been paid at or before 28 days, but quite a few had to wait untill weeks after. Be patient & wait see what happens, there's no rush, you'll get your money back if you have followed the procedures. If you read the threads by myself, sittingpretty & girly biker you will get advance warning of what the defence will be, it's just stalling, but it would appear they have alot to settle.

Andrew

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Hi everyone!

back from holiday to receive two lovely cheques. one for 999 GBP and the other for 120GBP, they say that they are 200 odd quid short as I hadnt accounted for refunds they had given years ago (oops, must have missed those ;-) lol. judgement in default would have given me them so perhaps I was being greedy.)

Anyway SUCCESS!!!

 

Issued 17/5/07

judgement requested 00:10 on 19/6/07

defence entered same day

judgement accordingly rejected

4 days later full settlement in form of cheques (account closed) although weirdly they say they have put money in my account so maybe that is the remainders, I do not know. Going to check now.

Thanks to all, especially MCWILLS for your help and advice here. Looks like n/wide are still running scared and the only way is issuing, thats my advice. Get the litigation ball running as soon as you are able.

 

Thanks again everyone!

 

Pestrick :)

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actually it evolves the charges they omitted were ones outside of the 6 years (by a few months) i'm now proceeding to trial for the full amount and will convince the judge that the statute of limitation does not apply because at the time of the 'offence' i was a layman and if it wasnt for full investigations and such done by our good friend martin, then i have been prejudiced. its a bit like a minor making a claim in respect of personal injury, they have 3 years (as personal injury and not property damage) AFTER their 18th birthday -i.e when they would have been expected to know about such affairs and not been prejudiced. I am arguing I have been prejudiced and its only the recent media interest and investigations which have made me aware. Anyone else had any pre-6 year success stories with nationwide ?

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I'm sorry I really didnt know I could (or should) as a basic account customer?
So (...at the time of posting this)...

Can U NOT see that Sarah Lou is a "basic account customer" too??!

 

 

sorry for any offence caused.

I have only repeated the stated Forum Rules re: Hijacking...

http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

...Which U have undoubtedly read previously before posting?!

 

U only hinder the quality of the replies to yourself.

 

 

all handy info though, eh?
Methinks NOT, especially for Sarah Lou herself!
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