How can these people expect to be treated professionally, #priceless Nick [ATTACH=CONFIG]59852[/ATTACH]

Hi All, This is now at court threatening stage giving me 14 days before action, if it was my account I would just say come on then but as it's in the mother in laws. From day one they have not behaved correctly?, They did not make any contact with us before appointing Burlington and they have admitted that is how they do things. Any help Nick

Thanks for that, As I have paid off the Credit Agreement can they still affect my credit file?. Nick

A few years Ago a phone contract was purchased through one of A1 Comms online companies, The contract we where told was after a credit check and an agreement to sign a 2 year contract with O2. Now after 14 months my son wanted to change network so we called the service provider and they said to end our contract we had to pay an outstanding amount which we did. Over a year went past and all was good until my wife got a call from Burlington saying we owed them over £350 we told them to send us a copy of any paperwork and I was told by an "English Person" in some weird tongue that he could not send us paperwork as they did not have our address and would we confirm it. I told my wife not to speak to them as it must be a [problem] however over the next two weeks she got numerous calls and then BINGO they sent us a letter (they must have found the address). We contacted O2 and they said under our credit agreement with them we had paid it off in full and there was no monies outstanding. I then find out that in the small print it says A1comms can charge us if we end our contract early, when I contacted them they said it was because A1comms subsidised the handset of which I said "Rollocks" as the amount I had paid to O2 was more than enough to cover the handset and airtime + commission and we got NO DISCOUNT from O2 paying it early. Now I can buy the phone NEW now sim free for £100 so why are they charging me £350+ when they would have got no where near that in the first place. Its not as if A1comms called us first and said "you owe us money" they just past it on to Burlington Parasites Group which I find remarkable. What can I do as £350+ is NOT a reasonable charge and is NOT what they would have got from O2. Cheers Nick

Would it also be possible for me to challenge the CCJ's then if successful get the Charges removed? The grounds would be that despite me giving them my new address (a have an acknowledgement from there solicitors via email date and time stamped ) and I also sent a change of address form through the branch. Nick

Hi, The solicitors have given me a copy of the completion statement but I cannot get hold of the person at RCJ to get a copy of the repossession order as they never answer or return my calls.Is there a form I can download and put in an official request?. Any Ideas Nick

Hi, Thanks again, I have left a voice mail with the person I need to speak too at the RCJ, so will obtain the relevant information and post. Nick

Hi, I have a copy of the letter from the court to Santanders solicitor. The house was repossessed and Santander was paid 100% what they where owed.There solicitors have been holding on to the surplus funds trying to get the information from Nationwide. The solicitors lodged the funds in to the court using a CFO108 form and the reason is quoted as "Surplus proceeds of sale of property". I spoke to the court funds office (Glasgow) and they put my on to the Royal Court of Justice Chancery Division. The only thing I can find out is that the original order for repossession was granted at that court (so I was told). On the letter from the solicitor/court there is no mention of any other parties. I can scan and message (in private) the documents I have if required. Nick

Hi, Thanks for your reply, There was no court order authorising the payment to the court. From what I understand Santanders solicitors who where holding the surplus funds had NO luck with Nationwide so decided the lodge the funds with the court to get it off there hands. Nationwide have been shocking in all this and I dont want to contact them in case it ruins my claim (hence advice needed). The charges that where placed on the property it seems Nationwide are having a problem finding the paperwork so I was thinking about making an application to the court for the funds based on the time its taken?. Would I have to state there are charges on the property on my claim form or is that not my concern?. I would pay for a solicitor to handle this but we have lost so much money I just dont know what to do. Nick

This is a problem that I cannot find an answer to. We bought a property by cash in 2007 and then we took out a "Mortgage" on the property with Abbey National (aka Santander) then I took out an unsecured loan, and credit card with Nationwide and all was good. My business went bust with the collapse of an airline and all went belly up with my house being reposessed(bySantander asMortgagee) and charges put on the property by Nationwide to cover debt (I never challenged the charges as my wife had a breakdown and could not cope).They reposessed the property in 2010 and put it up for sale. Late 2010 we drove past the property and thought we had squaters and we had to contact Santander to be told the property had been sold (they had our new address but never told us) and the surplus money (£32k)was held with there solicitors.We contacted there solicitors and they said that Nationwide could not sort out a settlement figure due to a lack of information. I have spoken to the solicitors so many times and it was stall stall stall, with the money not gaining any intrest I wrote a complaint (2012)and left it at that.I called the off spec in July 2013 and they told me due to Nationwide not providing the information they have placed the funds with the Court Funds service and upon writing to them Ihave recieved a N244 form to fill in requesting why I should have the money?. Now due to my debts (Nationwide) I wont get any money back but my wife should be entitled to half of it as the debts where in my sole name. When filling in the form do I ask for all the money due to incompetance from Nationwide or just for my wifes share, Do I also mention on the N244 the charges that are present or do I leave them off. It seems the Nationwide problem is due to them changing solicitors at least three times and they cannot locate there paperwork. Any help would be great. Nick

Any Ideas?

After a failed business in 2009 I had unsecured debts attached to my property then in August 2011 the property was repossessed. Now I have got my head out of my backside after the divorce (yes kicked me when I was down) I find some strange things are in place. We had equity of about £35K and this is still held by the banks solicitor because although someone has moved into the house the debts have NOT been paid and as of 10:10am today I’m still with my wife the registered owner of the property. Now the debts in my name where about £20k and the ones in my ex-wife’s where about £7k (inc an interim charging order dated 26 Jan 2010). Now I have a list of CCJ's and a list of the charging orders and I have requested what money is owed to my EX wife to be sent to her and the debts paid off but this is still not done and has been in limbo since August last year. All the details I have are from this morning so I don’t think they would be out of date?. Any help. Nick

Due to loss of job and other unfortunate circumstances I have found myself at the mercy of the banks and what crooks they appear to be. The bank is Nationwide and I have been keeping in touch with there recovery arm KPR and Nationwide themselves,last December I got three weeks work in London so I informed them that I would be staying at an address for the three weeks and they updated there records. I carried on dialogue with Nationwide and even had a home visit from an area manager to confirm I was at my property and I have been keeping in touch with KPR since. Last Thursday I get a Land Registry letter (B136(CO) ) saying that an application to register a restriction against my property has been made by a firm called Drydens on behalf of Nationwide and a County Court order was made in the middle of June 09. I called Drydens and they said they sent paperwork out to my London address and when I told them I was only there for 3 weeks and that was last December and since have been in touch with KPR and Nationwide (phone and written) they said that they where not told and there was nothing I could do about it. On Monday I sent a letter to the land registry and today recieved a letter back basically saying tough and my objection is groundless:shock:. This smacks in the face of keeping in touch and negotiating with these people and it seems very strange that this is allowed to happen. Is there anyway I can stop this action as I have until noon on the 23rd July before it is applied even without my signature. Thanks Nick0