Nationwide Credit Card and overdraft (N.I Belfast)

[Lilythepink]

Very urgent, please help. Nationwide attachment of earnings of £200 a month, cannot afford this at all. Notice of charging order has just been delivered with an attachment of earnings form. Notice to my co-owner as well. Nationwide send me a letter stating Not to worry, as if the charging order went ahead, I can pay as much or as little as I like, which calmed me down a bit. Now this today, even though they have no agreement, and the solicitors have not provided me with the paperwork that they got the CCJ on, as the agreement was not enforceable So much confusion between the courts/solicitors and Nationwide. Please give me some advice? Very urgent

 

Can someone please help me with this, as I have now have to go to a hearing with a master at court? HELP

[honeybee13]

Hello Lily. When is your hearing please?

 

I've flagged your thread for the site team.

 

HB

[Andyorch]

This is Northern Ireland

 

http://www.legislation.gov.uk/nisi/1981/226/article/73

 

When a debtor is in employment this office can make this order to deduct a regular sum of money from his/her salary. The debtor is given a 'protected earnings rate’ after a report has been done on them to assess their means. The rate is based upon individual debtors circumstances and will include an allowance for debtor, their partner, and any children. The office also allows for rental/mortgageicon payments and any rates. The Office will deduct any child benefit payment made for each child.

 

This rate therefore protects an amount of money that they need to live on; the excess amount can then be used to pay off a particular debt. However the Attachment of Earnings Order does not exclude the Office from issuing further enforcement orders, it is merely a means of ensuring regular payment towards a judgment/debt.

 

Under certain circumstances, a debtor may be given the opportunity to object to the Order being made (normal objection period being 8 days) and if a written objection is received the case will be reviewed by a designated officer or in certain circumstance, listed before the Master. After the hearing the terms of the order may be confirmed, suspended or varied according to the circumstance of the case.

[Lilythepink]

Thank yo .But nationwide have told me several times in emails and letters which I have sent to the master saying that they do not require any payment now as it will be a charging order. Do not understand this at all

[Andyorch]

Charging Orders are only put in place to secure the debt...they still want payment... hence the Attachment of Earnings Order and any company that states otherwise is fooling you.

 

Stop listening to Nationwide Lily and act to protect yourself.

 

In England if you do not return and complete the AoE within 8 days you can be incarcerated

 

Andy

[Lilythepink]

I have it in writing and it is before the court.

[register]

What was the outcome?

[Lilythepink]

What was the outcome?

They got the charging order. They got it through as they didnt let me know what was happening and the solicitors threatened me by saying if i contested it and lost i would have to pay their costs.

[register]

unlucky. what court was it? craigavon? i feel for you, i hope it isnt too much per month.

[Lilythepink]

I used to bank with Nationwide, had a credit card and flex account. 

 I became very ill after things happened and were beyond my control.  

 

Eventually the credit card debt ended up in a CCJ, and my tax credits were taken by Nationwide to pay off my overdraft.

 

They would not give me my tax credits which were to pay my mortgage and household bills until I was well enough to get back to work.

 

I could not gain access to my bank account, so therefore the overdraft had disappeared. 

 

I decided last year, after nearly 6 years of not seeing what my balance was on my overdraft. 

Nationwide then put my account into default and into a debt collectors hands.   

 

The nationwide overdraft had over 1200 in charges, and they said they had contacted me and sent me letters/statements over the last 5 years. 

 

I have received no phone calls or letters or I would have tackled the charges when they started putting them on.   

 

I have requested the records of phone calls and copies of the letters they sent, but they said it would take months, that is because I didn't receive them.

 

Now it is with Arrow Global and another default on my credit report. 

I am going to make a complaint to the FCA, as these charges are staggering. 

 

 Any advice?

[dx100uk]

merged loads of threads for full nationwide history.

 

I would suspect NW defaulted the OD years ago 

so it shouldn't even be showing?

when was the last time you used the account??

 

dx

 

 

 

[Lilythepink]

I haven't used Nationwide since 2012

[dx100uk]

and they only just decided to issue a defaulted date on your credit file?

 

[Lilythepink]

Yes and they dated it 2014.

But it has only appeared since I asked for paperwork.

 

I have asked them to take it off as yes there was a default but it was way back in 2012

[Andyorch]

So the original NW default of 2012 was never showing or registered to your CRAs ?  

[Lilythepink]

No I defaulted when I was unable to pay, but no default ever appeared on my credit report

[dx100uk]

On ‎26‎/‎08‎/‎2012 at 12:07, Lilythepink said:

Have given instructions for salary to be paid into my new account, but Nationwide have frozen the interest, and a very nice person from nationwide phoned me and told me they will extend the token payment until December, but unfortunately they have to issue a default.

 

I have already put a note on my credit file that my late payments were due to illness, but the default puts me back where I was 6 years ago.

 

Don't want any more debt anyway, and I use the credit union, who are easier to deal with, they gave me a three month payment holiday immediately. And I have read on here that lenders use their own scores, and not those that are given by cra....

 

so this didn't happen??

 

dx

 

[Lilythepink]

Ok it must have.  Couldn't remember but that means it has been defaulted twice and they added interest

[dx100uk]

what has adding intor not got to do with defaulting a debt?

[Lilythepink]

They told me that the interest would be frozen after the default 

[dx100uk]

I was once told the moon was made of cheese..

 

pers I wouldnt be doing anything until/unless arrows get their pet solicitors to issue a letter of claim.

this would be easy to defend in court regarding the unlawful penalties.

you're not paying it anymore now so sit on your hands.

 

 

 

[Lilythepink]

Thank you