I am not the least bit surprised that
they did not accept 1 pound per month because it meant that the debt would not
be paid off in your lifetime.
I'm afraid that your partner has done
you a disservice by withholding your post.
This is now going to be quite
difficult to deal with because of the timescale involved and the delay.
You need to make an application to
court to set aside the judgement which it appears that nationwide have against
you. You can only apply to set aside the judgement if you have a reasonable
prospect of defending the case or there is some other compelling reason.
Unfortunately, you don't seem to have a defence because the fact remains that
you do oh £7000.
There is another issue with setting
the judgement aside and that is the delay between when the judgement was
received (which I do not know from the facts you have given me) and now. You will have to give a reason for the
delay and along with your application to court to set the judgement aside, you
will have to provide some proof that you are in hospital and were no longer
living at your own home.
Your partner will also be required to
give a statement as to why he/she did not pass correspondence on to you. I
think the mobile phone being cut-off is immaterial because everybody knew where
If you do manage to get the judgement
set aside, it just means that the nationwide cannot enforce the judgement but
they can take you back to court to try and get the judgement put back in place.
If you do not get the judgement set
aside or you don't deal with it, it can be enforced by taking money straight
from your bank account, sending bailiffs round to take goods, putting a charge
against your house, getting your employer to pay money direct from wages (if
you are employed) or ultimately, you could be made bankrupt.
This is not something that you must
sit on and you must make an application as soon as you can to set aside the
explains the process
Does that answer
the question.? Can I assist any further?
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follow up any individual point you make
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