MKDP & nationwide credit card debt Defective DN/TN?

[Stagparty]

Thanks very much bigegg Did anyone manage to check my 12+2 days calculation?

[bigegg]

I'd say tomorrow - its twelve full days after the day of postage, but near enough

[Stagparty]

That's cool - thanks bigegg - they won't get my letter until tomorrow at the earliest anyway

[pdaddy]

hi all, i have been reading your thread with interest (no pun) and was wonderign if anyone can help me - me and the wife are goign out of our minds as we not usre where we stand with our recent CCA letter to nationwide for our loan.

 

heres a copy of my CCA letter response from nationwide, does anyone know if theres a proper nationwide thread relating to loans/cca letters...

 

can anyone please spend a minute and put me and my wifes plea for help to bed.... were misearble with this and its cuasing so much heartache and stress for us both... i have a feeling they have played ball and fully complied... i just need to know if this is enforceable..or not?

 

thanks guys really appreciate any help with this.

 

hope my attachment insertion has worked, first time tryign this..

 

 

http://www.consumeractiongroup.co.uk...1&d=1250259356

[cerberusalert]

hi all, i have been reading your thread with interest (no pun) and was wonderign if anyone can help me - me and the wife are goign out of our minds as we not usre where we stand with our recent CCA letter to nationwide for our loan.

 

heres a copy of my CCA letter response from nationwide, does anyone know if theres a proper nationwide thread relating to loans/cca letters...

 

can anyone please spend a minute and put me and my wifes plea for help to bed.... were misearble with this and its cuasing so much heartache and stress for us both... i have a feeling they have played ball and fully complied... i just need to know if this is enforceable..or not?

 

thanks guys really appreciate any help with this.

 

hope my attachment insertion has worked, first time tryign this..

 

 

http://www.consumeractiongroup.co.uk...1&d=1250259356

 

There is a Nationwide forum The Nationwide - The Consumer Forums

 

Your attachment is too small, if you upload it to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & copy & paste the URL in your thread we'll be able to see it o.k.

[pdaddy]

[pdaddy]

thanks for the info appreciated, heres the document, uploaded to tiny pic - so you shoudl be abelt osee if properly now? cheers Pete

[bigegg]

It looks enforceable to me.

I should do an income/expenditure sheet, work out how much you can afford to pay per month REALISTICALLY (£1?).

enclose first payment as a cheque/postal order, and ask for bank details to pay by standing order.

DON'T GIVE THEM YOUR BANK DETAILS TO PAY BY DIRECT DEBIT

Do it in writing - don't offer more than you can COMFORTABLY afford (even if it IS a quid a month).

DON'T TALK TO THEM ON THE PHONE.

Pay it every month - ignore their begging letters for more.

DON'T GIVE THEM YOUR BANK DETAILS TO PAY BY DIRECT DEBIT

 

DON'T TALK TO THEM ON THE PHONE.

 

RELAX - the worst that can happen is you get a CCJ where a judge orders you to pay what you can comfortably afford (even if it's £1)

 

RECAP:

DON'T TALK TO THEM ON THE PHONE.

 

DON'T GIVE THEM YOUR BANK DETAILS TO PAY BY DIRECT DEBIT

 

DON'T TALK TO THEM ON THE PHONE.

[pdaddy]

hi bigegg -thaks for info. will certianly take heed of your advice - as theyre constnatly phoning the wife every day - shes at meltdown point. im nearly there! can i ask what the reasons are why we dotn talk to them on phone any more? and the bank detials bit - i dont understand? maybe theres a short answer or thread i can check that explains why? i just want to be on top of my game - to be forwarned is to be forearmed and all of that! cheers Pete

 

ps - did income sheet - nattionwdie not interested and sent back very insultign letter about financial hardship and said in a nuthsell we dont qualify for it... its ridiculous!

[bigegg]

we don't talk to them on the phone because they are all, without exception (as far as I can see) a bunch of bullying liars who will say ANYTHING to make you pay extra - regardless of how much you can afford, or how hurtful it might be.

 

There have been at least two posters on here who have been told that they would have social services have their kids taken into care because of outstanding debts.

 

Either way, talking them leaves a bad taste in my mouth - it's much easier to avoid it.

 

As to bank details, if you set up a standing order - YOU are in charge of what they take out of your account.

If you set up a direct debit, they might "accidently" take an extra couple of hundred quid a month.

[Stagparty]

Quite an interesting development.... well maybe!

 

A day after the "it's in dispute, send it back to Nationwide" letter was received by KRP, they have written to me offering a substantial discount if I settle now.

 

So whilst I am not inclined to accept any settlement at the moment as I don't believe the agreement is valid, I'm wondering what they mean by "substantial" - any ideas anyone?

 

Also is this a standard first communication from KRP (after the "hello we are KPR, give us lots of money" letter) or do they maybe realise that the agreement is probably unenforcable?

 

On the other hand though, they've continued to try and collect despite being notified that the CCA request has not been properly complied with and the account should be sent back to Nationwide. The charitable part of me says that the fact their letter was sent the day after mine was received means they perhaps hadn't had chance to process my letter. The uncharitable bit of me says actually thats not my problem, they'd received my letter and should immediately have put things on hold.

 

Opinions and advice is welcomed!

[cerberusalert]

No doubt this wonderful offer also asked you to telephone them to negotiate?

 

A well known DCA tactic.

[Stagparty]

Hahaha - how did you guess Cerberus

[pdaddy]

hi bigegg - i also forgot to say whislt the pic i uploaded had all the detials on it - the actual T&Cs are on a completley separate piece of A4 paper - it looks like its been photocopied, im not sure,should i now check if they are this years (2009s) T&Cs? or should i check to see if theyre the actual ones we should have had pertaining to our 2005 loan? can anyone else advise on this? as im sure i read in another thread that they cant sedn you the most up to date T&Cs, they have to be the actual T&Cs at the time of the loan application... this right yeah? thnaks in advance

P

[pdaddy]

bump - anyone?

[bigegg]

They should send you the T&Cs from the date of inception of the agreement - it's what you agreed to *THEN* (allegedly) which you want to know - not what is (in)valid now.

[Stagparty]

The title really says it all.

 

Two days ago I got a threatogram from Fredrickson's regarding a disputed Nationwide debt.

 

Today I got a yellow card in an envelope from AIC about the same thing.

 

Do I just send the "I'm confused letter to AIC" or something rather stronger?

[dx100uk]

ignore

you're on a phishing list

 

the more you reply the more

'there's a mug at this address' markers you'll get.

 

dx

[Stagparty]

Thanks dx.

 

I wondered if Freds and AIC were connected?

[ODC]

A few DCAs allegedly use AIC because of the quality (lack of) of their bully boy threat monkeys

[Stagparty]

Thanks ODC - it starts to make sense now.

Edited November 26, 2009 by Stagparty
Unconnected comment removed

[palomino]

In answer to your question : one.

 

This has happened to me. I wrote to the original creditor (a bank) asking in very forthright terms what was going. I also threatened them with FOS if the matter wasn't resolved immediately. It was - with an abject apology.

 

Perhaps you could follow this course.

[Stagparty]

I have an alleged debt with Nationwide Credit Card. I CCA'd Nationwide and the document they produced is not compliant with the Act so I wrote and told them this.

 

They sent a reply which made no sense at all, asking for my signature so they could send the Credir Agreement, when they had already sent the "credit agreement"

 

I then got a couple of letters from KPR which I replied to telling them the CCA request had not been complied with.

 

Then got a letter from Fred's to which to replied saying the CCA hadn't been complied with. Freds replied with the same document that Nationwide had already sent, so I replied again saying "not compliant" CCA request not fulfilled account in dispute etc.

 

Got a couple more letters from Fred's saying don't ignore, it won't go away so replied saying "CCA not complied with"

 

Had a "letter" from AIC which I didn't respond to and mistakenly answered a call from AIC but didn't acknowledge who I was and told the guy to never call the number again.

 

Today I've got a letter from Bryan Carter and I'd like to nip this in the bud before it gets any nastier. Carters say they want payment in full or they will recommend proceedings will be taken without further notice. They go on to say if I dispute liability I should write and state my reasons and supply the appropriate documentation in support of my argument.

 

My immediate reaction was to sit on this and do nothing but I don't think this is a good idea. I then thought about writing to Carters and referring to previous correspondence but I've never dealt with Carters so any advice and do's and don'ts would be appreciated

 

Thanks

SP

[PGH7447]

try this

 

dear sirs

 

thank you for your letter of XXXX I note the contents.

 

Thank you for confirming that the enclosed "pre contractual application form" is in fact relied upon by you as a properly executed credit card agreement

 

It is not for me to give you legal advice on your documentation and perhaps if you are unable to see the defects in the agreement you should not be in possession of a consumer credit licence

 

I do not intend to engage in circular arguments on this matter therefore all future correspondence , save for service will be filed unanswered

 

amend to suit

 

curtesy of diddydick

[Stagparty]

Thanks PGH - is that to be sent to Carters? Carters didn't send anything.

Thanks again

SP