N1 and spreadsheet sent to the court yesterday, here we go

Hi There, you havent messed up anything yet. The final documents that you submit to the court are the ones that cant be changed and you are nowhere near that yet. What interest are you talking about? Do you mean the 8%?

Well I did call the court and they said that a defence hadnt been filed which is why I asked the court to make a judgement. However...... came home today to a letter from NW saying that they had paid all monies in full into my account, thats the charges, court fee and 8% interest. Yippee Ive won, ive wonm Moderator - please move my thread to a success story and also advise where i donate to. Thanks to everyone who helped me, I couldnt have done it without this site.

Hi Claire, apparently I would have been better off waiting and giving NW another 7 days to file a defence - unfortunately that advice was too late for me but worth keeping in mind for yourself. It would seem to be another delay tactic the banks are using because even if a judge has ruled in my favour, they can then apply for the judgement to be set aside- giving them a period of time to file a defence - delaying my claim even longer. Will let you know how it goes.

OK I have read through the thread and I am not going to panic... yet! I will wait and see if what the judgement is and if the Nationwide request for it to be set aside to give them more time to defend. The worst that can happen at this stage is that Ive given them more time to hold onto my money - well hopefully anyway!!!

Oh no, I had already sent this off before I read the above thread! I will have to see what happens now as its out of my control at this point! How cunning are the banks using this as a way to drag your claim out!

Hey Caroline I read your story with interest, I too had a similar "incident" with NW whereby I was made redundant, I was overdrawn on my flex account and they wanted me to pay the overdraft up in full, because I couldnt, they froze my whole months salary and threatened to put a charge on my house. I went to the CAB, they put the phone down on them twice - so I too have taken great pleasure in getting my own back on them. I am further along than yourself, I submitted my N1 form to court with a copy of my charges (over £1000 worth) and they failed to lodge a defence as of yesterday, so today I have posted my request for a court judgement. Fingers crossed that this goes in my favour! I didnt have the same issue as you trying to obtain the list of charges, sounds to me like just another delay tactic they are using to try and put people off - do not be deterred! Everyone on this website are fantastic, i couldnt have got this far without them. I will watch your case with interest. GOOD LUCK

I had to wait for a final charge to be applied to my account on June 1st before I could submit this to the court. Is anyone in the "know" willing to look at my spreadsheet to check that I have done it correctly as this isnt straightforward due to the TSB paying £750 so I have had to do a "charge split" and I am little unsure that its right. I have completed the N1 and am ready to go on this.

Today is the 5th of June, I called the Court and Nationwide have not defended my claim, therefore I have asked for a judgement to be made. Fingers crossed that it will go in my favour - anyone else at this stage, contact me and let me know how its going/went please. A donation heading its way over the CAG if I win as I couldnt have got this far without this site.

I have now received notification from the court that the Nationwide have until 4th of June to defend my claim. Does anyone know what their current "standard practice" is once they received these claims?

Have submitted my N1 to court via the post, they have banked my cheque but I havent received anything from them. What happens now?

Have to confess that the TSB ruling has made me nervous!! And I am anxious about the next step, i.e preparing the court bundle

Hey there, I am at the same point as you except I have filed my N1 at court, they have banked my cheque for the court costs and now I am just playing the waiting game. Good luck with your claim.

Thats exactly the same standard letters that I received from them. Press ahead with your claim, but make sure you follow the time guidelines and dont do anything before the deadlines or you will risk losing your claim.

Am about to submit my N1 to the court, can i just check two things 1. Should i send my court bundle along with the N1 and my spreadsheet at this stage? 2. Who do i send a copy of all the papers to at the Lloyds TSB head office?