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    • Okay they've already forwarded it to the county court so I'll wait for a reply but guessing this is leading nowhere.   Sometimes trying is better than not trying at all ... I don't understand dx100uk emoji?
    • They are idiots.  Not exactly a grand apocalyptic threat is it - pay up or ...   ... we'll send you another letter, so there!   Relax & ignore them.   But do come here if they really do send the Letter of Claim.
    • That's not what we had in mind.   The time to be sending SARs was way back in March or earlier when you first heard from them, not at the last minute when you're on the eve of a court case.   You need to write a snotty letter so the idiots realise (a) you haven't moved so no chance of a backdoor CCJ and (b) you're a pain in the backside who would cause them big trouble if they did do court.   There's a suitable snotty letter in post 32 at  https://www.consumeractiongroup.co.uk/topic/439586-futuregladstones-anpr-pcn-paploc-funfair-bridge-st-stourport-on-severn-worcs/page/2/#comments  Obviously change things such as the addressee details and the amount of the Unicorn Food Tax,  add the PCN number and send off tomorrow to both DCBL and UKPC, otherwise you could well get a county court claim form.    Use snail mail, not e-mail, if this does get to court, using e-mail would mean they could file documents at one minute to the deadline full of lies which it would be too late for you to counter.   If you want to send a SAR as well to find out what this is all about, then fine, send the SAR in a few days' time, but to UKPC only.
    • AMAZING and thank you so much.  Still not able to access online MCOL so will be emailing.  Just waiting for hubby to get home so he can sign the form. Will keep you posted.
    • Could I please have some help putting a defence together, I have tweaked the defence which DX kindly helped me with from my other ongoing case, here is what I have so far   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 2. Paragraph 1 is noted. I have had in the past a contractual relationship with Barclays Bank. The Defendant does not recognise the reference number provided by the claimant within its particulars therefore I am unable to admit or deny the alleged debt claimed. I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my requests for further information.   3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by Barclays Bank and received by the Defendant.   4. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or Barclays Bank. 5. On receipt of this claim on the 25/08/2021 I requested information pertaining to this claim by way of a CPR 31.14 request and CCA1974 Section 78 request. The claimant is yet to respond to this request. PRA Group (UK) LTD is yet to respond in relation to the CPR 31.14 request. To date, 20/09/2021, no documentation has been received. The claimant remains in default of my section 78 request. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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bloody hell ive finally won


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Well the past few months have been hell , I was one of the few silly fools who decided to use a so called professional company to get back my bank charges , this all started way back in february 2007. Since then its been hell , with Nationwide informing me that they were not aware of a claim , the so called professional company , informing me that they had sent all documents etc, N1 FORM SENT , waited 28 days , told that nationwide claimed hadnt received it , waiuted another 28 days , still nothing , this went on for ages . Was again told that if nationwide hadnt responded by June 25th , then i would win by default. Rang nationwide june 24th , was told that they were not aware of any claim still. rang so called professional company they said nationwide had sent an intention to defend on June 5th. rang back on 25th and was told to wait a few days as still waiting for reply back from solicitor. Rang today told still waiting to hear from solicitor , I lost my temper and said whats the difficulty here , they either have put in a defence or they havent and ive won by default , was tolkd be patient it will be sorted in the end , these things cant be rushed.


Still waiting for interest and court cost, + will also try and get back charges which had been added to account since i started process as i hadnt used account since february, so now have £124 charges on top.



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However - bet ya wisj you had been in control instead of the "private company"!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:


Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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Toooo right.


The only good thing now is that the money should have been sent to company and then they would deduct their charges and send me a cheque.

Now its my turn to delay payment to them as long as i can.

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