Hi Folks,
Today I received a default notice from nationwide, followed by a threatening bully-boy tactics phonecall from KPR which has me extremely on edge.
I have an outstanding overdraft of £2400, which I havn't made payment on since november (Seeing as my last payment was over £1000) and 99% of the remaining amount is a flood of bank charges.
However, I fear I've left it too late to start challenging the bank and disputing the charges, since KPR contacted me today acting on behalf of Nationwide.
I sent a request for statements, along with a £10 cheque a while ago. However, I did not send it proof of delivery and therefore have no proof it has been received. I plan to send another tommorow, recorded delivery, along with another cheque. Have I left it too late?
KPR called me and used there bully boy tactics to make me agree to paying back £400 a month, but I am not in a financial state where I can afford to do this.
What advice can you give me regarding this? I really want to dispute the amount I'm being charged, but I don't want the default to go on my file. (KPR have said I wont be defaulted if I keep up with the payments they offered me over the phone).
I've done some reading now and realise it was stupid of me to deal with this over the phone.
What should I do now?