Let the fun commence - 6 year journey starts here!

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

ok, thanks guys...The letter will be stored with the other 400, i have!

[nanna58]

Re: Let the fun commence - 6 year journey starts here!

Seconded keeping things up your sleeve is key x

[cymruambyth]

Re: Let the fun commence - 6 year journey starts here!

Keep a record showing how they have used the £1. as above, do not tell them anything!

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

DEBT #4

• Type of account: Nationwide Credit card
• Date commenced: September 2012
• Approx balance: £4,200
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status Account: In arrears
• Account owner : Nationwide

Sent a CCA early March 2017. No response from them. I understand this will no doubt be enforceable but just want to see what they send anyway
24th March 2017: CCA signed for at Nationwide.
25th April 2017: Still no response regarding CCA request.
May 12th 2017: Arrears letter received, and it appears to show that a partial payment of £1 has been made to the account in March. My CCA request standing order payment maybe!

Hi Guys

Received an arrears letter today from Nationwide regarding my credit card account, and it appears that they have used my £1 CCA request payment as a payment towards my account! Cheeky! Do i need to tell them that they have done this? They have still not provided my CCA request! Could this be a case of somebody at Nationwide making a simple error? or tactics?!
Cheers
Brussel

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Unfortunately you cant second guess them! Wait until they send a CCA and then decide on the next steps.Whilst they haven't sent the CCA they can't enforce. Don't remind them; an enforceable agreement may also have flaws in other documents

Ok,thanks Cymruambyth

I'll sit back and wait

[cymruambyth]

Re: Let the fun commence - 6 year journey starts here!

Unfortunately you cant second guess them! Wait until they send a CCA and then decide on the next steps.Whilst they haven't sent the CCA they can't enforce. Don't remind them; an enforceable agreement may also have flaws in other documents

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Hi guys

I still haven't got my CCA from Nationwide, and they have now sent a default notice. I fully expect them to provide an enforceable agreement, so can i really expect to ignore these guys for the next 6 years without any CCJ or other nonsense? Would it be advisable to make an arrangement with the ones that will be able to enforce?

Thanks
Brussel

Hi guys

Can anyone advise on the above please? Are Nationwide a litigious bunch usually? Anyone else had any experience with them?

Thanks

Brussel

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

hard to reconstitute your signature, on an old application form, wouldn't you say?

There's absolutely no evidence you signed anything let alone agreed to any terms. All they've done is post some random terms to you which does not satisfy s.78 so they're in default of your request.

If they remedy the missing agreement we'll look for fault linking it to the correct terms. It's nothing to worry about at this stage.

Ok,great, thanks Niddy

I am pretty sure i signed up online though, although cannot be sure. We will wait and see what happens

I will be signing up to AAD+ soon

Thanks

Brussel

[Never-In-Doubt]

Re: Let the fun commence - 6 year journey starts here!

ahh great, thanks Niddy I thought they could reconstitute those too, so seems strange they have left them out... I will stay quiet thanks again

hard to reconstitute your signature, on an old application form, wouldn't you say?

There's absolutely no evidence you signed anything let alone agreed to any terms. All they've done is post some random terms to you which does not satisfy s.78 so they're in default of your request.

If they remedy the missing agreement we'll look for fault linking it to the correct terms. It's nothing to worry about at this stage.

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Barclays - this is UE, there is no signed agreement so best to stay quiet for now and if / when they get arsey send the missing PT's template (in AAD+)

ahh great, thanks Niddy I thought they could reconstitute those too, so seems strange they have left them out... I will stay quiet thanks again

[Never-In-Doubt]

Re: Let the fun commence - 6 year journey starts here!

Barclays - this is UE, there is no signed agreement so best to stay quiet for now and if / when they get arsey send the missing PT's template (in AAD+)

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

DEBT #5

• Type of account: Nationwide Loan
• Date commenced: February 2012
• Approx balance: £2,200
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status Account: Arrangement to pay
• Account owner : Nationwide

CCA request sent March 2017. No response yet.

20th April 2017: Default notice has dropped through the door. Still no response to my CCA request though!

Hi guys

I still haven't got my CCA from Nationwide, and they have now sent a default notice. I fully expect them to provide an enforceable agreement, so can i really expect to ignore these guys for the next 6 years without any CCJ or other nonsense? Would it be advisable to make an arrangement with the ones that will be able to enforce?

Thanks
Brussel

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Oh - really!! Well there is hope after all - will deffo send to solicitors as your odds have probably increased somewhat!

You'll get my email shortly, good luck

Thanks again Niddy fingers crossed!

[Never-In-Doubt]

Re: Let the fun commence - 6 year journey starts here!

I was hoping as it was a former Virgin card there might have been some hope for me

Oh - really!! Well there is hope after all - will deffo send to solicitors as your odds have probably increased somewhat!

You'll get my email shortly, good luck

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Hi

If you have access to a phone then you can take a photo to start with - saves going out of your way.

However this looks good, I cannot find anything wrong with the actual agreement itself and as it was from 2006 they have utilised the tick-in-the-box so they can easily remedy any errors within it.

The DN looks ok at first glance, however if you give permission to send through to planB then she can have a look over it with our solicitor - see if there is any 'devil in the detail' we can help with because PRA are very trigger happy so they might issue a claim, it's best to be covered on all angles 'just in case'.

So please clarify if you're happy for me to send the pdf to our solicitor to check for a definitive answer? That would be Joanna & Di.

Thanks Niddy .Of course yes, send it to whoever needs to see it please thanks for your time and help.

I was hoping as it was a former Virgin card there might have been some hope for me

Thanks
Brussel