Northern rock loan problems!

[Mikey4]

Re: Northern rock loan problems!

Defence filled in and sent.
What will be the next stage now? Who will get in contact with me
cheers
alan

[Mikey4]

Re: Northern rock loan problems!

Hi
We'll just had a letter through the post stating that restons are taking me to court on the 16th October via a telephone hearing.

as you know I filed for the loan to be statue barred as I have not made any payment for the last 6 years.
they have come saying my last payment was in 2010 via a PAC-agent payment? Plus there has been various payments of £50 with an entry of won-write on? Again I have no idea what these payment are and who has made them?

they are also asking the court to

lift the stay of proceedings
strike out the defence or
for summary judgment and
for an order that the defendant do pay the claimants costs on a contractual (indemnity) basis pursuant to CPR 44.5

what are all these agent payments and can they legally pay money towards my loan just to show payments have been made?

would really appreciate any help with this as I can sense it is starting to go over my head and with a court date set I am starting to get a little anxious!

kind regards
Mikey

[Mikey4]

Re: Northern rock loan problems!

Would you think it would be best for me to get a solicitor at this point or is this still something I can sort out my self?
i do feel this is starting to go over my head a little.

Also so after all this time would they have not applied for a CCJ against me by now?

would really appreciate any feedback,I know your all really busy on here but just don't want to run out of time with the court date set.
Cheers
mikey

[Kati]

Re: Northern rock loan problems!

Would you think it would be best for me to get a solicitor at this point or is this still something I can sort out my self?
i do feel this is starting to go over my head a little.

Also so after all this time would they have not applied for a CCJ against me by now?

would really appreciate any feedback,I know your all really busy on here but just don't want to run out of time with the court date set.
Cheers
mikey

Hi [MENTION=44179]Mikey4[/MENTION] ... I haven't had a chance to read through your whole thread yet, but before I do I want to say if you are starting to feel in the slightest way unsure then you can get free legal advice from the National Pro Bono Centre ( http://www.nationalprobonocentre.org.uk )

Kati x

[Kati]

Re: Northern rock loan problems!

We'll just had a letter through the post stating that restons are taking me to court on the 16th October via a telephone hearing.

ok ... that gives you a timescale to work with!! :tinysmile_grin_t:

as you know I filed for the loan to be statue barred as I have not made any payment for the last 6 years.
they have come saying my last payment was in 2010 via a PAC-agent payment? Plus there has been various payments of £50 with an entry of won-write on? Again I have no idea what these payment are and who has made them?

can you ask for clarification on these?? Surely there will be a record of how/where/when these payments were made somewhere ....

I'm sure you will get help/advice with this soon Mikey!

Kati x

[Mikey4]

Re: Northern rock loan problems!

My last payment was on the 07/2007 since then there had been payments made up until 2010 with these wordings before the payment
cdad miscellaneous debit
Pac agent payment
PP payment
Woab bad debit write off
uddc payment
Won write on payment
Pacx agent recall
Woff write off

I have no idea what these payments are and how legitimate these are?

[Amethyst]

Re: Northern rock loan problems!

They sound like internal management of the debt rather than anything that would be construed as a payment or acknowledgement by you. it isn't a secured loan or anything is it? So should be stat barred. I'll see if I can suss out what those transactions might be.

[Mikey4]

Re: Northern rock loan problems!

Hi amethyst
thankyou for your reply.
No it's unsecured for definite

[Amethyst]

Re: Northern rock loan problems!

My last payment was on the 07/2007 since then there had been payments made up until 2010 with these wordings before the payment
cdad miscellaneous debit
Pac agent payment
PP payment
Woab bad debit write off
uddc payment
Won write on payment
Pacx agent recall
Woff write off

I have no idea what these payments are and how legitimate these are?

Hmm can't find anything other than the woab write off, it sounds to me that it went out to a couple of debt collectors and came back again, the only worrying bit could be the won write on payment bit .... could always try a sar to northern rock although possibly a bit late time wise.

[Mikey4]

Re: Northern rock loan problems!

In what way could it be worrying amethyst

[Kati]

Re: Northern rock loan problems!

According to this site ( http://www.wdisf.com )

PAC stands for Post Approval Changes - http://www.wdisf.com/PAC-stands-for-...l-changes-.htm
PACX stands for Private Automated Computer Exchange - http://www.wdisf.com/PACX-stands-for...r-exchange.htm

I might be barking up the wrong tree with these two (and I cannot find any of the others) ... but, they do seem to tie in

K x

[Mikey4]

Re: Northern rock loan problems!

Have I posted this in the wrong section as it doesn't seem to have many replies?
Would really appreciate a little guidance on this but also understand you all have jobs and busy lives.
Does anyone know of a good solicitor that would deal with something like this?
kind regards
mikey

[Amethyst]

Re: Northern rock loan problems!

Could you have paid a Debt Collection Agency, or maybe had a Debt Management Plan, that's made payments to the loan?

Your defence is that the debt is statute barred.

I still think you are fine, we should write a Witness Statement though to go into court 14 days prior to the hearing.

This should say when your last payment as made (and if you have it include your bank statement showing that payment) and state that you have not made any payments to anyone else for this debt since then.

You should also try check your bank statements from the time they say these £50 payments were made.

Did you get a copy of the credit agreement?

[Amethyst]

Re: Northern rock loan problems!

Had you had PPI on the loan at all that paid out when you stopped paying ?

(just trying to work out what the PAC agent bits are about )

[Mikey4]

Re: Northern rock loan problems!

Hi
yes there was ppi in place on the loan.
They have sent me copy's of the credit agreement
I have got bank statements which state when I last paid monies to them.