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Hi Am in a running battle with Nationwide and various collections agencies since 2010. Now ARCEurope have written to me and advised me that as the account I hold was a Flex Account and not a Credit Agreement there is no Consumer Credit Agreement. Is this correct, seeing as I had an overdraft on the account. Any one else had this? They are also asking for a full financial statement from us, which I dont really want to give. My argument is that I had an authorised overdraft-limit of £300 that I had used to the limit and was in the process of paying back, when Nationwide took a large amount off the overdraft reducing it by £100 and then started charging me with what they called unauthorised use of the overdraft each month. I have been arguing this since July 2010. I am about to write to Nationwide again asking if they will refund the unauthorised charges and then I will conisder a payment plan to to repay the outstanding amount. Any thoughts
