so what would you all think is our best approach to this? do we write back to NW and tell em that we will not be paying? not do anything till their 30 days are up, then write to them? do we even acknowledge the CCA, if so what do we say? Sorry to be a pain Sytra

thanks or all your help so far:) Sorry, i am getting a bit lost now, doesnt take much The application was picked up in branch, taken away, filled in and signed at home then the next day dropped back into branch and they told her to wait while details were input, we didnt get any other details from them just the card through the door a few weeks later, she wasnt informed of credit limit at time or nything like that, dont know if that makes any difference?? Its not that we are trying to get out of paying it, but we are finding money VERY tight and nationwide are not being very helpful or understanding, all we want to do is find out if they can "legally" enforce the debt or if we are in control of it! Sorry for all the questions Sytra

We cant remember for sure if it was signed in branch, but probably was, my partner remembers taking form back and having to sit there while they typed it onto computer. Cheers Sytra

Hi been advised by Conar686 to post in this forum, any advice on this reply to a CCA request from Nationwide Credit Card. The whole thing is only on one side of A4 paper and i cant really make out any small print. This is virtually full size Bottom of 3rd column 4th column I cant see any T & C's anywhere, no sign of Interest rates etc, nothing else was sent with this form. am i correct in thinking this is non compliant and they are still in default, or unenforcable? Thanks for your help Original post under Nationwide http://www.consumeractiongroup.co.uk/forum/nationwide/117637-experienced-help-please.html

Would you suggest that i write to NW and tell them of non compliance or should i just wait as the 30 days starts tomorrow then write after they are up and NW have committed an offence? Sorry about all the questions Sytra

And this is the last column, i cant see any proper terms or APR etc. Hope this is a bit clearer Sytra (sorry being a pain in the axxx now)

I have managed to enlarge it a little bit, this is the first bit at the bottom of third column

Not sure if i did this right!! ANy thoughts Sytra Well seems to have worked, believe it or not this is nearly the original size, as i say the whole lot is one side of A4 paper.

Hi not sure if i have linked this properly, was wondering if someone could cast there experienced eye on this for me http://www.consumeractiongroup.co.uk/forum/nationwide/117637-experienced-help-please.html?

Ok im being thick, nothing unusuall there........ Please can some one advise me how to use photobucket:oops:

Hi everyone, I hope someone can help me with this, we CCA'd Nationwide for our credit card agreement, they have replied by sending just an A4 sheet of paper photocopied with my partners details, i am going to try and put a copy up for you to see. It starts with credit card application blah blah but this is all they have sent, got no T & C's and cant make the agreement small print out, it is way too small. I realise that they must obviously have the original otherwise they could not have shrunk this down so much. i cant see anything to do with interest rates etc. Am i correct in thinking that this is not full compliance and they are still in default? Any help appreciated Sytra

Ok thankyou very much for your help, will get onto this straight away

Yep we are having fun with NW at the minute, sent a request for the CCA the 12 working days are up tomorrow and as yet not one bit of communication from them. please default please default:-D

Maybe im missing something here!!!!! we run a small business and accept all forms of payment, maybe we should start charging to recieve cheques etc could make a fortune..... seriously though we do accept all payment types and as such we have to accept that the banks charge us to pay these in why cant these massive multi million pound co's take a small cut in profit to keep the customer happy, oh of course i know why... the fat cats cant do without 5 or 6 holidays a year or with out their big posh rollers etc

My head hurts:???: Been looking for a copy of a SAR i can send to HSBC regards a business account (sole trader), have read on here that i cant include certain terms so getting a little confused. Does anyone have a copy of these letters i can use or adapt to suit our situation? All we want to do is try and get some of their charges removed so that we can clear the overdraft (the one they put us in without even requesting one). since then they are charging approx £180 per month just in interest and fees. I know we cant claim the account handling fees but hey thats small compared to the rest they are trying to get away with. Any help would be greatly appreciated and greatly recieved I am really sorry if this has been answered elsewhere on the forum, but i just cant seem to see it. Sytra

I like the last paragraph of this article "the co employes 280 people" yeah and one brain cell between em. sytra

LOL i remember them days, it is possibly just the new "digital" ones then, ok as long as i didnt offend anyone. Reading this thread with interest as might have to try and take barclaycard on for my sis Sytra

Sorry to go off thread for a mo but a passport does have your sig on it, it has a scanned copy in the bottom right corner. not meaning any offence here just a little oversight

Hi Re post 10, not all Fully Comp insurance policies cover you 3rd party on other vehicles, it is always worth checking if that is the cover you want. Sytra

Hi looks like NDR are still a dormant co, my mother is getting hassled by them demanding money......... i feel a CCA coming on

Hi everyone, please could someone help with a small credit card prob!! We sent a CCA request of the other day to Nationwide for a credit card debt it was signed for on Tuesday this week... then today we get a phonecall from a solicitors regarding this debt.. My question is as we have requeste the CCA does this put the account into dispute and if so are they allowed to get solicitors to chase the money? when i spoke to the solicitors he didnt even know what a CCA was? besides the account is in my wifes name but he still spoke to me, surely thats breaching the data protection act? The solicitors are called Brown & White or Graham White their number is 01932 332032 but i cant find any info on them. thanks for your help Sye

Sorry forgot to say we are in the process of changing bank accounts at the moment.

Hi again, we have been thinking about this and we dont remember signing an agreement, we think we applied for the card, got accepted then card arrived but not sure about an agreement think she just signe an application form??? do you think it would be best to CCA or SAR them to try and get a copy of the agreement? if i am correct and we SAR them then will we have a copy of the charges applied over the course of the last few years, is this right? Also either way we go would this put the account into dispute and stop them from passing the debt to another DCA? Sorry for all the questions Sytra

Hi everyone, i have been a member of the forums for a while now and find them very informative. I am not sure where to post this so have posted here and in nationwide thread. I however now have a problem i could do with some help with, my wife has had a nationwide account and credit card for years now and never had any probs. Things have gone wrong and we are very short of money as a result missed a couple of payments on the credit card, tried explaining to nationwide with no success. Nationwide have now cancelled the credit card but are still adding over £100 in interest and charges each month to the account, bearing in mind we are only managing to pay about £50 pm of the account the balance is just shooting up further, is there anyway we can try and stop the interest being added so that at least we can bring the balance down a little bit??? Also they have informed us that as a result of the credit card being in arrears they have closed one of my wifes accounts that had an overdraft facility and now they are demanding the full amount of the overdraft in one go, can they do this as now we are in even more xxxx than before as the total of the card and overdraft a is now nearly £16000. We have already started to recieve letters from KPR debt recovery (a trading name of Nationwide) demanding money. As we have a number of other accounts with nationwide all with a minimum amount of money in them, but money we need nonetheless, would it be better to try and open accounts elsewhere incase they decide to close those aswell?? Sorry it is so long, but any help is very much appreciated, and if these questions have been answered elsewhere then i appologise but i am just getting so confused with things at the minute. Thanks Sytra

Hi everyone, i have been a member of the forums for a while now and find them very informative. I however now have a problem i could do with some help with, my wife has had a nationwide account and credit card for years now and never had any probs. Things have gone wrong and we are very short of money as a result missed a couple of payments on the credit card, tried explaining to nationwide with no success. Nationwide have now cancelled the credit card but are still adding over £100 in interest and charges each month to the account, bearing in mind we are only managing to pay about £50 pm of the account the balance is just shooting up further, is there anyway we can try and stop the interest being added so that at least we can bring the balance down a little bit??? Also they have informed us that as a result of the credit card being in arrears they have closed one of my wifes accounts that had an overdraft facility and now they are demanding the full amount of the overdraft in one go, can they do this as now we are in even more xxxx than before as the total of the card and overdraft a is now nearly £16000. We have already started to recieve letters from KPR debt recovery (a trading name of Nationwide) demanding money. As we have a number of other accounts with nationwide all with a minimum amount of money in them, but money we need nonetheless, would it be better to try and open accounts elsewhere incase they decide to close those aswell?? Sorry it is so long, but any help is very much appreciated, and if these questions have been answered elsewhere then i appologise but i am just getting so confused with things at the minute. Thanks Sytra