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Moon phases


NATIONWIDE CC

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NATIONWIDE CC

Post by Prometheus on Sun Oct 01, 2017 4:45 pm

Hi Everyone
Your advice would be much appreciated.

I've had a final notice from Nationwide (who are on my side apparently) that they are going to refer to a DCA for collection of the alleged debt of £3.5k on CC

I notice there are 3 new letters on the forum - do I 3 letter Nationwide now or wait and 3 letter the DCA or just 3 letter them both?

Thank you for your help

Very Happy

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Re: NATIONWIDE CC

Post by daveiron on Sun Oct 01, 2017 5:34 pm

Hi Prometheus,

Do the 3 new letters to Nationwide ( do all three )
then when contacted by the DCA's acting as agents do the 3 for them .
then when its sold ,do the 3 for the DCA's ( debt purchasers)

you will then have requested the documentation 9 times .

please keep us informed.

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Re: NATIONWIDE CC

Post by Prometheus on Sun Oct 01, 2017 5:41 pm

Wonderful thank you daveiron Very Happy
will do

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Re: NATIONWIDE CC

Post by Prometheus on Mon Oct 16, 2017 2:35 pm

Hi
Got this back after letter 1- do I just do letter 2 or do I respond to what they say in the letter?
thank you
Prometheus


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Re: NATIONWIDE CC

Post by daveiron on Mon Oct 16, 2017 2:58 pm

Hi Prometheus,

letter (Notice ) 2 . They have provided nothing that you requested.

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Re: NATIONWIDE CC

Post by petesomething on Mon Oct 16, 2017 8:08 pm

Hi  prometheus

Like daveiron said they have not provided nothing send letter 2,
how old is this alleged debt , it will be statute barred after 6 years from the date on the default notice and the default notice date must be within 6 months of the original default or your last payment.

for a credit card debt they need more than just a statement
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Re: NATIONWIDE CC

Post by Prometheus on Wed Oct 18, 2017 1:41 pm

Thank you Daveiron and Petesomething

Debt is year old and they served default within time frame.

Very much appreciate your help

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Re: NATIONWIDE CC

Post by Prometheus on Mon Oct 23, 2017 4:32 pm

Hi
Got this back after letter 2

Usual response but should I counter any of it in letter 3 or just send letter 3 now

Thank you for your help
Much appreciated


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Re: NATIONWIDE CC

Post by petesomething on Mon Oct 23, 2017 6:26 pm

just send letter 3
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Re: NATIONWIDE CC

Post by daveiron on Mon Oct 23, 2017 7:22 pm

Still provided nothing.

As pete said ,send letter 3

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Re: NATIONWIDE CC

Post by Prometheus on Mon Oct 23, 2017 7:29 pm

thank you Gentlemen

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Re: NATIONWIDE CC

Post by taylor7 on Mon Oct 23, 2017 8:47 pm

what do you do after letter 3? i previously used a different but simular 3 letter sytem to a dca, bu t the 3rd letter was an estopple, i havnt heard back from them thankfully lol, but here it is 3 letters giving them time to give sufficient evidence, what happens after letter 3, is there another letter, an estopple? if so, where can that be found? thank you.

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Re: NATIONWIDE CC

Post by taylor7 on Mon Oct 23, 2017 8:58 pm

i noticed the older version of the 3 letters to the bank has the 3 letters, estopel, then bill and bill template, which is better to use for banks, the newer version or older

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Re: NATIONWIDE CC

Post by Prometheus on Tue Nov 07, 2017 6:08 pm

Hi Again
Just received another letter back from Nationwide which I attach.
A part of me wants to respond but do I just send the estoppel after 30 days?
Thank you for your help
Prometheus

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Re: NATIONWIDE CC

Post by daveiron on Tue Nov 07, 2017 6:51 pm

Hi Prometheus,

You could reply if you wish along these lines.

I am in receipt of your letter dated xx I rebut and reject your statement that you have provided sufficient evidence to satisfy your proof of claim.

You were asked very specific questions regarding your claim ,to which you have either ignored or obfuscated .
Until such time as I receive from you answers to all of the questions I have asked ,I will not be responding further.
If you possessed a valid proof of claim you would have no problem providing all of the answers requested .

Should however you wish to litigate this matter in the future ,all of the questions will be asked in Court.
------------------------------------------------------------------------------------------------------
Its Up to you but this is the sort of response i would use.

regards dave

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Re: NATIONWIDE CC

Post by Prometheus on Fri Nov 10, 2017 5:19 pm

Thank you Dave
You are Star
Great to have your support
Have a good weekend
Prometheus

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Re: NATIONWIDE CC

Post by debt-less on Sun Nov 12, 2017 7:11 am

Prometheus,

a question for you, who owes who what?

The Law states you are the Settlor and Beneficiary upon the account yes?  So why are you behaving as a Trustee?

It is not a case of denying you owe Nationwide (Trustee) as they are liable, you should be expressing the fact that Nationwide are permitted and as you will see from the original instrument, allowed to charge an arrangement fee as Trustee, the fee will be shown most likely as the first transaction on your Public statement.

Nationwide will return the value of the original instrument, your repayments and compensation at 8% as the Law allows if you send the correct Notices to Nationwide, who are it must be said, one of the most helpful Banks in which to undertake this procedure.  If you follow the recent information from Professor Richard Werner, who has most eloquently, and may we add bravely, exposed the reality of what Banks do with alleged deposits (no Legal definition for the latter), you will comprehend what is being said here.

You will always be the Debtor in a County Court Jurisdiction, it's the Public side of the account, so don't go there, it's the wrong Jurisdiction unless you wish to enforce a CCJ yourself and the Defendant is none the wiser.  There are two sides to the account, receivable and payable, private and Public, white and black.  

The three letter process was fine ten years ago as an undertaking to DCA's, however Nationwide will still instruct a DCA such as Moorcroft, who of late will turn up at your doorstep, nothing to worry about, a hose pipe is the remedy here, failing that do not answer the door.  Nationwide will, under the POA in the original credit agreement, instruct the likes of Moorcroft to report, and correctly so, upon your credit profile as an agent (providing Nationwide have removed their default).   The 3 letter process will not halt an OC (Original Creditor) as they like to call themselves, it will be ignored at all levels and you will lose, period, so don't go there unless you are prepared to undertake the correct action at High Court in Chancery (which has never and will never appear in a Public forum).

You may recover your repayments instantaneously from the debiting Bank (even if it's a Nationwide current account) should you have the correct Notices to deliver to Nationwide post this action.  If you have a property Nationwide will attempt through the Money Claims Centre to secure a charge should the correct Notices not prevent them, it's a prescribed process after all, nothing to worry about if you have the correct comprehension and ability to stand at Court if required.  In our experience, it rarely goes there as the Trustee will not wish it known upon a Court Record they are Trustee, the cat would be out of the bag.

If you have further questions, please post so the forum may have the benefit of the discussion.

Trust this is of help.


Last edited by debt-less on Sun Nov 12, 2017 11:10 am; edited 1 time in total

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Re: NATIONWIDE CC

Post by Guest on Sun Nov 12, 2017 10:59 am

Hi debt-less

Your posts today look like valuable info - thanks for posting, look forward to seeing more from you.

Cheers!

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Re: NATIONWIDE CC

Post by Lopsum on Sun Nov 12, 2017 11:12 am

but they should make their own posts and not jump into others threads. You may notice the troll the otherday doing exactly that, he was just one day member too. One day to become a trusted member, giving free advice thats how is should work ehh? Lol, no not at all.
debt-less you need the mods to trust your not just full of bs and that is what should happen before you feel welcome enough to start "helping" because frankly you are not . So please take my advice and let us get to know you well before advising people. Thanks.
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Re: NATIONWIDE CC

Post by debt-less on Sun Nov 12, 2017 11:14 am

Many thanks iamani, if anyone has a particular issue and believe they are in debt or indeed have a pertinent court action, support is availbale

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Re: NATIONWIDE CC

Post by debt-less on Sun Nov 12, 2017 11:27 am

Lopsum,

please enlighten us on your vast experience at a Court of equity in Chancery, or indeed successes in the County Court, am sure as a "mod" you must be full of success stories?

it's you're not your by the way







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Re: NATIONWIDE CC

Post by Lopsum on Sun Nov 12, 2017 11:32 am

take my advice and let us get to know you well before advising people. Thanks.
that was a warning.
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Re: NATIONWIDE CC

Post by Lopsum on Sun Nov 12, 2017 11:35 am

another mod has already had the decency to make you the begginings of your own thread, please take any further discussions here ...http://goodf.forumotion.com/t1477-debt-less#11334
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Re: NATIONWIDE CC

Post by Guest on Sun Nov 12, 2017 11:37 am

Hi debt-less

You are very welcome. i for one admire your self-confidence at just jumping straight in, you write well and the info doesn't seem to conflict (imo - but i may not be as bright as some on here!) with info already promoted here.

At the same time, Lopsum has a point. Any chance you could possibly introduce yourself in the new members section? - i think iit would go a long way in gaining the trust of the core members.....

Lopsum might seem a bit unwelcoming but at the end of the day he's just being protective of everyone's interests, and we do get the occasional disruptive influence (you've probably noticed that if you've been here before).

Cheers!

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Re: NATIONWIDE CC

Post by Guest on Sun Nov 12, 2017 11:39 am

Hi debt-less

Oh, Lopsum founded this site btw.

(Lopsum your link isn't live)

Cheers!

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Re: NATIONWIDE CC

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