Thanks everyone. Is there any hope if we argue that we did not receive the letter? or should I wait until it goes to a debt collection agency and then offer to pay if default is removed? Any other suggestions? Has anyone ever known nationwide to remove a default as a goodwill gesture even?

Hi all I had a nationwide account for years to which I added my husband about 6 years ago - this was for ease of use but tbh I managed (mismanaged) the account. There was an overdraft on the account which kept being suspended as due to a variety of reasons we occasionally went over - then I started on a plan to reduce the overdraft each month - again at various times I forgot the date that it was due to reduce and went over - each time it was set up again the date changed so this kept happening. Eventually due to charges etc which they added I got cross and fell out with them! - long and short they demanded full payment - I could not do this so they stopped account and sent debt letters. Husband recently applied for credit and was refused - have checked his credit file and there is a nationwide default on there - this is the only blemish on his credit file. I have a number on mine so not especially worried as I am 4 years into 6yrs when defaults will fall off. However I want to sort him out as this is really my fault. I now could pay this amount but had a brief conversation with Nationwide - said I did not remember a default notice and could this be sorted - not surprisingly they said no. My question is that I would like to try the template for not having received a default notice - in an effort to get this removed. Should I be successful I will happily pay debt as presumably they could write a letter and put it back on again. I have had a look at some of the template letters but remain a little unclear as to whether they have to be able to prove a default notice was sent - if they cannot do this within a time period do we then write to credit agencies asking for it to be removed with copies of letters sent to Nationwide and they will remove it (and I then pay the debt) This seems too simple?? thanks in advance for any advice.

I am not sure what you mean by "it doesnt work like that at all" - which bit are you referring to? I have been told that they now have my bank statement and are considering lifting my limit and they will be in touch. Will keep you all posted.

Hi With the card you get a sort code and an account number so dont see why you couldnt pay in a cheque? At the beginning you are limited to having a balance of £2000 to get this raised to the £15,000 limit they refer to - be able to deposit via a bank account and to access additional cards you must send them a copy of your Limited Company Registration. If you are a soletrader then you must sent them a recent bank account (so you must have a bank account as an individual) Hope this helps. I just got card today - need to be able to take payment via bank transfer - I am a soletrader - failed limited company and poor personal credit history - will let you know if they approve the raising of the limit as some months I will need to pay in more than this.