Nationwide Credit Card and overdraft (N.I Belfast)

[dx100uk]

only if this were ME....

 

i'd do nothing of the sort.

 

let them goto court with this

 

I doubt if they would wish their actions

like knowing levying PENALTY charges

on accounts when the OP is on benefits

to be exposed in court.

 

not sure if you done the following

but this is what I would do...

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

[Lilythepink]

Thanks for that, will do that this week, as I just don't know why they think that it is fair, and the FOS thinks it fair, to let them get away with this.

 

Have to get writing! thanks

[Lilythepink]

Just to update on Nationwide CC, which I made an agreement for 6 months, to pay £1 a month, from March.

 

 

Just received a letter from a DCA, saying if I don't pay up,

they are going to take legal proceedings.

 

 

I have paid £20 a month, and never missed a payment within the arrangement.

 

 

They never sent me a letter of assignment to this DCA,

so they can't do anything can they????

[citizenB]

Just respond with something along the lines of..

 

I am very concerned by the tone of your letter. I have entered into a repayment plan with BANK and no payments have been missed.

 

In view of the above, please advise on what basis you are intending to instigate legal proceedings ?

 

I look forward to your urgent response.

 

 

 

Can you let us know what DCA this is.?

 

It is likely they are simply acting as 3rd party collection Agents on behalf of Nationwide so no NoA would have been sent. However, you can send the attached letter to establish if there has been an account ownership change. Please note that the attachments are both the same letter.. however, some caggers are saying that the word doc doesn't download properly

 

If there has NOT been an assignment then the DCA are breaching OFT guidelines by saying they can start to litigate when in fact they do not have the right.

 

As you are in a repayment plan, then it is unlikely a court would look too kindly on them issuing a claim anyway

 

 

[ATTACH=CONFIG]43294[/ATTACH]

 

[ATTACH]43293[/ATTACH]

[Lilythepink]

KPR collection, and I have just noticed that they say they will pass it on to a DCA, but it is a very nasty tone of wording. Yes I have an agreement for months...

[citizenB]

KPR collection, and I have just noticed that they say they will pass it on to a DCA, but it is a very nasty tone of wording. Yes I have an agreement for months...

 

Ok,

 

In that case they are "in house" agents. So there has been no assignment, so you can forget sending that letter (the attachment).

 

However you must send this one demanding to know on what basis they are going to litigate.

 

 

I am very concerned by the tone of your letter. I have entered into a repayment plan with BANK and no payments have been missed.

 

In view of the above, please advise on what basis you are intending to instigate legal proceedings ?

 

I look forward to your urgent response.

 

You need to make sure you keep copies of everything received and sent - however, IMHO, this is harassment, pure and simple.

[dx100uk]

KPR are their own inhouse lot

 

waste of time responding if you don't want too

 

also read the letter properly

 

it does not say WILL.

 

dx

[Lilythepink]

Thanks, you try and keep them informed, and make arrangements with them, and this is what they do to you..

[Lilythepink]

Now I have received a phone call this morning from KPR, told them I wasn't in.

 

I still have the arrangement in place with Nationwide,

and am about to fill in an I/E form/

 

Things have gone up, like the house insurance because of the burglaries I have had, and my car insurance is through the roof.

 

I am in an arrangement, and have very little to buy everyday things.

 

Very very worried again,

 

cried my eyes out,

 

am I ever going to get out of this.

[dx100uk]

you have an arrangement

 

thee is nothing they can do

 

ignore them

 

pay the £1PCM

 

dx

[Lilythepink]

£1.00 it will be from now on, as I have overpaid on my arrangement from day one.

[Lilythepink]

I have had another letter about my overdraft charges from nationwide, and they want my I/e again.

 

They say they cant refund charges on an active account, but it is only active, because I have been putting money in, and try and stop going over my overdraft limit.

 

Are they entitled to have my I/E, and I did send them the letter asking them to accept a payment of ..... a month,

and told them my situation, BCOBS, if they didn't accept the offer, I would only be paying them £1 a month for the rest of my life..... no pleasing them,

surely they can see that there is no salary going into my bank a/c......

[dx100uk]

total bowlarks. the charges are a penalty end of.

 

never heard that excuse before...its an active account, cant refund!! wow

 

under BCOBS they have treated you unfairly.

 

that's ok you've nailed your colours to the flagpole.

 

stick by them.

 

dx

[Lilythepink]

thanks for that, thought I am going bonkers with this lot

 

But are they entitled to ask me for my I/E again and again?

[dx100uk]

I&E sheets are none of their business

 

only a judge can demand those details.

 

dx

[Lilythepink]

Thought I had read it somewhere. Will I just sit it out then, or make them an offer?

[Lilythepink]

Nationwide are now torturing me with phone calls, landline rings first and then my mobile, 4 times a day.

 

 

Even though I am in written communication with them, an automated phone call, a text message left.

 

 

How can I stop them?

[tedney]

Use this: Harassment by telephone - response letter

http://www.consumeractiongroup.c o.uk/forum/content.php?493-Harassment-by-telephone-response-letter

[Lilythepink]

thank you

[Lilythepink]

Checked my credit report, and Nationwide have lowered my overdraft, without telling me,

which means I have even more charges than before, as it looks like I have spent over my limit, even though I haven't touched it.

 

I contacted Nationwide re my WTC going into the wrong bank, and now the Nationwide say they cannot look at my account as KPR are dealing with it.

 

HMRC are reclaiming the money back, to put in my new bank account.

 

Can HMRC get this back, as HMRC said to make sure the bank was not using WTC to pay off an overdraft, as it is a benefit.

[dx100uk]

KPR are NW's in house DCA

 

so they are lying.

 

hmrc are correct

 

the money is for YOU to live on

not for their bank charges

 

have you looked at a BCOBS complaint to NW?

and get the charges removed/refunded

 

see here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits

 

dx

[Lilythepink]

I have tried that, and they just quote the case at court, that they are allowed to charge me. The case of McGuffin, or something. So I have no money, and they are wanting me to pay the overdraft off. I had to go out as the phone calls where driving me mad.

 

What was the email address, as I can't find it anywhere?

[dx100uk]

no they cant The case of McGuffin, or something

is nowt to do with BCOBS

 

post up the letter

 

dx

[Lilythepink]

Quote from letter

 

"As you may know, Nationwide (along with other financial service organisations) has been involved in legal proceedings with the OFT in relation to the fairness and legality of account charges. The Supreme Court judgement in the test case was given on the 25 of November 2009. The Supreme Court ruled the the fairness and legality of unauthorised overdraft charges cannot be challenged under the Unfair Terms In Consumer Contracts Regulations on ground of price."

 

However my overdraft was authorised, and it was only over the limit because of their charges.""

[dx100uk]

time to ignore them again and keep paying the £1PCM

 

dx