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  • #76
    Re: Nationwide Credit Card

    Ive today received a letter from nationwide saying my account is now being dealt with by a solicitor and i should make all future contacts to them. Still no cca from them

    Comment

    • #77
      Re: Nationwide Credit Card

      Just wait for the next letter; still no need to reply.
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #78
        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 ?

        Comment

        • #79
          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
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #80
            Re: Nationwide Credit Card

            Its shoesmith solicitors northampton. Thanks

            Comment

            • #81
              Re: Nationwide Credit Card

              OK Have you had a letter from Shoesmiths yet? if so what does it say
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #82
                Re: Nationwide Credit Card

                No letter from shoesmiths yet

                Comment

                • #83
                  Re: Nationwide Credit Card

                  as soon as you get one post on here and tell us what it says
                  xx
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #84
                    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.
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #85
                      Re: Nationwide Credit Card

                      Thanks xx

                      Comment

                      • #86
                        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

                        Comment

                        • #87
                          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
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #88
                            Re: Nationwide Credit Card

                            LBA definate
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #89
                              Re: Nationwide Credit Card

                              Originally posted by nightwatch View Post
                              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

                              Comment

                              • #90
                                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
                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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