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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me    
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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nationwide refusal


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i have sent the bank charges letter (first one) and then the prelimenary letter to nationwide asking for the refund of all charges. i got a letter back from them this morning telling me how to run my account to avoid these charges and that i had agreed to abide by their terms and conditions when i opened my account.

 

to quote..

 

'After careful consideration of your request, were sorry that we cant agree to your charges being refunded. Only in exceptional circumstances do we refund charges and on this occasion we feel it would be unfair to other members who find themselves in a similar situation and whose charges still remain. we realise that our answer will disappoint you however we trust that we have clarified the Society's position'.

 

What do i do next? someone please help..

 

:sad::-x

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What you should do is ignore the letter and proceed with your claim as planned.

 

Send them the LBA giving 14 days to reply-if no reply then file the claim on MCOL.

 

Good luck

PPMAN159

 

If this comment has helped please click on the scales.

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Yes.

 

I received a similar letter from them as part of my claim but I continued with the claim and ended up getting all of my charges,court fees and interest back-so stick with.

PPMAN159

 

If this comment has helped please click on the scales.

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Hi v 2 kan ani!

do i continue with the LBA letter even though i have received their response within 14 days?
If U have stated in your PL that U will give them 14 days to pay up, WAIT 14 days before sending them your LBA.

This time period applies whether Nationwide have replied to your PL, or NOT!!!

Don't forget that the 14 days starts from the day that Nationwide RECEIVES your PL, NOT the date that U type/send it.

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How do you know when they would have received the letter? They could have rceived the letter 2 days after posting then it may need to go to a different dept and all other delays added on..You haveto draw the line somewhere and 14 days from the date of the letter seems plenty of time ot respond to me.

 

I agree with PPMAN, send court threat when unsatifactory response is received, thats what i have done. I've just issued my claim on MCOL on 15/5/07 after sending my court threat letter on 30/4/07 (thats 15 days!) and receievd a letter from nationwide today telling me...guess what..!

 

Yep, they are very sorry bla bla bla but they will not be refunding my charges...bla bla not fair on other customers whose charges stand..sound familiar? This is the 2nd letter i've received from them saying the exact same thing (i received first after my initial request)

 

At the end of the day its your choice as to when you want to start your timescales from....this is just my opinion.

 

 

Good luck!

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If the letter's sent recorded delivery then you know when it's been received, if it's sent first class then you allow 2 working days, thats the timescale that Royal Mail say 98% of their letters are delivered in.

 

Although the reply does say that you're getting nothing back, it's a standard response letter. You should stick to your timescales and not be dictated to by the bank. Besides any additional time you allow from their response can only count in your favour - you were allowing them time to reconsider etc

 

The Squall

Vi Veri Veniversum Vivus Vici - By the power of truth I, while living, have conqured the universe.

 

Quis custodiet ipsos custodes? - Who Watches The Watchers?

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Hello shagtastic!

...At the end of the day its your choice as to when you want to start your timescales from....this is just my opinion.
Patience is a virtue!...

A Claimant who seeks to pre-empt/circumnavigate the Overriding Objectives of the Civil Proceedure Rules by rushing to take legal action via a Court runs the following risks...

1/ Nationwide will defend the Claim by stating they they were NOT afforded enough time to resolve the issue by the Claimant and seek to have the Claim STRUCK OUT.

2/ Nationwide will defend the Claim by stating that they were NOT afforded enough time to resolve the issue by the Claimant and apply to have the Claim STAYED for an 'indefinite' period of time.

In both of the above scenario's, there is also the risk that the Claimant would be ordered to pay Nationwide's Costs, even though it may be only a Small Claims Track Case.

For the sake of waiting just a few days and adherring to what many successful Claimants have done, is it really worth the risk of going 'Freelance'???

btw...The 14 days starts when Nationwide, as a company, receives the letter, NOT when the 'correct' dept receives it.

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o dear...has this happened then to someone because they didn't give enough time?

 

Surely if they have already responded and said no within the timescale...the template letter sent out asks for a response before the 14 days so if they write back saying no then thats a response?

 

i'm confused now!

 

pls check my post (the scond one as the first one was duplicated in error!)

 

have i done it right?

 

ta

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Thats exactly the same standard letters that I received from them. Press ahead with your claim, but make sure you follow the time guidelines and dont do anything before the deadlines or you will risk losing your claim.

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