Nationwide Credit Card and overdraft (N.I Belfast)

[Lilythepink]

Got a reply from FOS and they say that Nationwide have done nothing wrong, and are quite entitled to put a charge on my house. They considered that they had treated me ok, and they were within their rights. Going to go further with this, need to know what to put in the review

[Lilythepink]

Can anyone tell me, if a creditor can ask you for a expenses/income details, even though you are offering them £20 a month on two debts. I thought only a court could ask that?

[Lilythepink]

Its the Natiowide again.

 

 

They have now transferred my overdraft debt to Moorcroft.

 

 

Nationwide did not give me any warning, as I was paying them my token payment of £1 a month, which they accepted.

 

 

I couldn't see my a/c on line, to see what was happening,

 

 

I assumed all was good, until I received a letter last week, saying that it was unsatisfactory,

and that they were passing it on to someone,

 

 

no mention why or who.

 

 

I am about to email Moorcroft,

 

 

and would like an idea what to say.

 

 

I still cannot access the templates in the library.

 

 

thanks in advance

[dx100uk]

why?

 

 

if the moorcrap letter says their client is nationwide

 

 

you IGNORE them.

 

 

dx

[Lilythepink]

Yes they say they have been instructed by Nationwide,to take further action, but no mention what it is.....

 

thanks DX:smile:

[dx100uk]

ignore them

 

 

dx

[Lilythepink]

Another letter from moorcrap, threatening to advise their client (Nationwide) to bring me to court. I thought Nationwide had sold my debt?? Nationwide have never answered any of my emails about my account, and now this. Who is moorcroft, and why are they saying their client.

[dx100uk]

as post 121

 

 

dx

[Lilythepink]

as post 121

 

 

dx

But does that mean the debt is still owned by Nationwide, as they have ignored me over the last months, when I have emailed them several times, asking them what is going on, as I cannot see my account on line any longer, so I am not paying into a thing that I can't see. Worried though, they are very tricky to deal with, and have threatened me with court again.

[dx100uk]

ignore silly DCA's

they don't own the OD Debt

and it mostly chagres.

 

 

dx

[Lilythepink]

thanks

[Lilythepink]

Back again,

 

 

Moorcrap are now saying they can offer me discount and

 

 

if I don't contact them, they will do a doorstep visit, and what time would I be in.

 

 

This has been with the FOS, and I have had no word back from Nationwide,

 

 

and I did not accept the FOS decision,

 

 

yet Moorcrap seem to have the debt.

[dx100uk]

so what no powers dirty mac brigade

ignore them

 

 

dx

[Lilythepink]

Back again.

 

 

I have just received a letter from Registry Trust Limited,

stating that they have data on me with a undefended default.

 

 

the sum of money is familiar, and it is my Nationwide Credit Card.

 

 

I never knew anything about this, and in fact was waiting for Nationwide to contact me,

after they withdrew their solicitors letter, and court proceedings some time ago.

 

 

What does this mean, and I did not defend it, because I didn't know it happened.

 

 

So worried about all of this, and their jargon frightens the life out of me.

[dx100uk]

scan in up please

 

 

goto WWW.thrustonline.org.uk and see if anything shows for the address given

 

 

dx

[Lilythepink]

Search on trust registry, shows the undefended default.

[dx100uk]

so they've got a CCJ by the back door

whats its date and who was the claimant?

 

 

and what address was the claimform sent too?

 

 

something smells here

 

 

dx

[Lilythepink]

On reading Stepchange, they cannot obtain a CCJ without getting some kind of money order and they havent done that either.

 

Are they demanding the money, I haven't received anything from the court itself.

 

This letter from Registry Trust was sent to my home address today

[dx100uk]

cause they can get a CCJ, they simply serve it to an old address.

 

 

we need to SEE this letter please

 

 

dx

[Lilythepink]

Will scan it now.

 

I haven't got an old address, I have lived her for nearly 40 years

[Lilythepink]

Let me know if you can see this letter from trustonline.org

 

The solicitor has written to me saying that they put this on hold from June, but that once it is with the court, it can't be withdrawn. When this was done, I was still in negotiations with Nationwide to pay back the debt.

 

Hope this is ok

[dx100uk]

ring the court ask for a copy of the judgement

 

 

dx

[dx100uk]

then time to get the CCJ set aside

as you were not given the chance to defend

 

 

I assume this is for the CC debt?

[Lilythepink]

I have attached two letters one from solicitors and Nationwide.

[dx100uk]

names on nationwide letter