Nationwide Credit Card

[Never-In-Doubt]

Re: Nationwide Credit Card

Hi sweety
i received your message that Shoesmiths say Nationwide will not be taking it to court as they can't supply your CCA, that is great news,
as for the £5.00 they are asking for as they cannot supply the CCA you do not have to pay anything what so ever, it makes the account Unenforceable.
they can ask for a payment but unless they supply the CCA they can not take it further,
Please keep that letter in a safe place, just in case it is passed to another DCA.

I have replied on your thread so others know what has happened,

best wishes NW x

Thanks NW - Sweetie - whatever you do, don't agree to pay anything as if they cannot provide the agreement then they are pretty buggered, as NW has stated in her reply above.

If in doubt, check with us...

[cymruambyth]

Re: Nationwide Credit Card

Sweety, that is great news; as night watch has said they cannot enforce if they cannot supply the CCA, so you don't need to accept their offer to pay anything.

[nightwatch]

Re: Nationwide Credit Card

Hi sweety
i received your message that Shoesmiths say Nationwide will not be taking it to court as they can't supply your CCA, that is great news,
as for the £5.00 they are asking for as they cannot supply the CCA you do not have to pay anything what so ever, it makes the account Unenforceable.
they can ask for a payment but unless they supply the CCA they can not take it further,
Please keep that letter in a safe place, just in case it is passed to another DCA.

I have replied on your thread so others know what has happened,

best wishes NW x

[Undercover Elsa]

Re: Nationwide Credit Card

Ok think you now need to send a LBA (letter before action) it can be found in the free templates and needs to be sent at once by recorded delivery.
http://forums.all-about-debt.co.uk/showthread.php?17452-AAD-Free-Template-Letters
don't forget to edit it to show the date you sent the request for your CCA x

Hi Sweety,
Just checking whether you've sent the LBA response yet, linked by Nightwatch above, as time is passing.
The template is listed in the link as "LBA Response Template". If it was me I would send this asap.

Elsa x

[The Tech Clerk]

Re: Nationwide Credit Card

LBA definate

[nightwatch]

Re: Nationwide Credit Card

Ok think you now need to send a LBA (letter before action) it can be found in the free templates and needs to be sent at once by recorded delivery.http://forums.all-about-debt.co.uk/s...mplate-Letters
don't forget to edit it to show the date you sent the request for your CCA x

[Sweety200]

Re: Nationwide Credit Card

Just received letter off shoesmiths. Stating unless i contact them by phone with 14 days to discuss settlement they will take me to court. They will not contact me to advise me of that. Nationwide will only claim costs if i defend my case

- - - Updated - - -

Still no cca tho

[Sweety200]

Re: Nationwide Credit Card

Thanks xx

[cymruambyth]

Re: Nationwide Credit Card

Unfortunately it's a game of poker where they bluff you to try and intimidate you in to paying. Just because they say they are passing the account to solicitors doesn't mean that they have found anything.

Just sit back and wait for the next letter; as they haven't produced a CCA, no matter what they threaten they cannot enforce it in court until they produce the agreement.

[nightwatch]

Re: Nationwide Credit Card

as soon as you get one post on here and tell us what it says
xx

[Sweety200]

Re: Nationwide Credit Card

No letter from shoesmiths yet

[nightwatch]

Re: Nationwide Credit Card

OK Have you had a letter from Shoesmiths yet? if so what does it say

[Sweety200]

Re: Nationwide Credit Card

Its shoesmith solicitors northampton. Thanks

[nightwatch]

Re: Nationwide Credit Card

Hi sweety,
Do they say who the solicitor is ?

your next letter may be from KPR who are an in house debt company of Nationwide, or you may get one from Fredrikson International, I had mine with both of these company's. their letter are worded to frighten you, in the hope you will phone and agree to anything they may suggest.
As soon as you get anything just post on here and let's see what we can do.

enjoy your weekend xx

[Sweety200]

Re: Nationwide Credit Card

Thanks. But what does it mean ? Presumably if they have instructed sols they must have my original cca to progress the case ?