Cant beleive Nationwide!!

mummytotwo_3

As you all know me and oh went br in March - I had sole credit card with nationwide, anyway about 3 weeks ago I rang them to advise I was br as i was still being hounded by them. Anyway at that point had only been br for about 6 weeks, and they hadnt had anything from official receiver at that point - I know they have 8 weeks.

Now I know that the offical receiver has informed people as I have had letters from other creditors with statements for information only and were know dealing direct with or and we have had our offer of bi back - which we are dealing with.

Anyway this morning stupid nationwide have started proceedings for a ccj - court papers dated 13/5/2010.

Now I know I have nothing to worry about and it wont be granted as debt included in br etc - have sent back the papers recored delivery defending claim on basis on pre-existing br order and copy of said br order and that id already informed them, but why oh why are they wasting their time and money - especially as quick check on the insolvency register would have confirmed what id told them over the phone - it was good enough for everyone else lol!!!

Sorry rant over!

Sunnylooloo

Complete waste of time and money!! couldn't agree more

confused76

rant away...it's highly annoying!
they're just wasting their own resources, and will look foolish when the ccj gets rejected!

you have done all you can, try and forget about them

alastairq

obviously making too much profit....have to whittle it down somewhere?

No doubt the trolls will have a field day about Nationwide having to add these unnecessary costs to other peoples' bank charges....probably blame you for being inconsiderate and going BR.....

You've done exactly the right thing...wanna be a fly on the wall when the lawyers realise their mistakes?

I, for one, am pleased you have been able to take advantage of the advice given on this board.....well done and good luck for the future.

mummytotwo_3

Thanks everyone, in fact I was looking forward to doing that as I just knew they would take it to the nenth degree!!!!

Anyway, as you all know im not posting much as im busy getting ready for baby no3'S arrival and sorting out the bi in my house - negative equity so paid our deposit etc and now waiting on hearing. Im still lurking though when I have the time!!!

get_me_out

Nationwide are silly, I went BR back in 2008. They have sold my account to a dept collector another one!! after previous attempts failed as I just told them of BR. Now they are chasing again. I have just filed letters and will laugh when it gets thrown out of court. I am sick of forwarding my BR paperwork to the idiots.

Heycock

Any mileage in informing the OR? Even after discharge doesn't the OR still have a responsibility to protect your interests as well as your creditors? After all, the OR still has a duty to chase you for money up to 3 years post BR, so shouldn' they still have to intervene if you are now being illegally harassed?
I don't understand some creditors. Most who've contacted me since my BR have been fine once I've given my court reference and BR date. No further contact, but others keep on and when I tell them I'm on the register if they wish to check, they say "Oh, we don't check the register" to which I reply, "That's your problem, mate!"

debtinfo

The OR doesnt really have a duty to stop them doing anythig, thats what the courts and regulators are there for, What the OR is obliged to do is to make sure that they are informed of the bankruptcy orders, sometimes if you have a nice OR they will have a word in the ear of the creditor to make sure they have received and understood the report that has been sent to them

fermi

Which is why it's always best to not assume that any such action will be stopped by the OR, creditor or court without you having to do anything.

The BR order is a complete defence to the court action, so you use it as such and defend the claim. Actually very simple to do BTW.

Unless the creditor is particularly dim, they will then discontinue before it actually goes to court.

I've seen quite a few cases now where people just "assumed" it would be sorted, without them having to do anything. They've then ended up with a CCJ being registered after BR. While that can be removed/cancelled, it's sometimes a pain and is a hassle most people don't need.

out_of_cash

going to court again soon with creditor for applying ccj month after br order was given ,i am going to use that day out to really take the p out of the banking admin dept and their barristers as i am sure the judge will be quite peed off at them for wasting the courts time.lol.