Credit Security Limited / Nationwide

[klassykitty]

I had a basic bank account with nationwide in 2006, no overdraft facility.

At the beginning of 2007 one of my direct debits couldnt be paid due to lack of funds in my account and so i was charged a fee causing me to go overdrawn. Im not sure if there were other returned DD fees, but then i was also being charged fees for being overdrawn, fees upon fees, this has caused me to have an overdraft/debt of £429.96 on that account.

Recently ive been getting lots of phone calls to my house about this debt and letters from Credit Security Limited.

How do i go about tackling this situation?

I am 22 weeks pregnant and dont want to keep being harrassed by these people!

[klassykitty]

I had a basic bank account with Nationwide in 2006, no overdraft facility.

 

At the beginning of 2007 one of my direct debits couldnt be paid due to lack of funds in my account and so i was charged a fee causing me to go overdrawn.

 

Im not sure if there were other returned DD fees,

but then i was also being charged fees for being overdrawn,

fees upon fees,

this has caused me to have an overdraft/debt of £429.96 on that account.

 

Recently ive been getting lots of phone calls to my house about this debt and letters from Credit Security Limited.

 

How do i go about tackling this situation?

 

I am 22 weeks pregnant and dont want to keep being harrassed by these people!

[Bazooka Boo]

Ah ha!

 

Cash cowing their customers eh!

 

Who is calling you? The bank or a puerile DCA?

Send whoever this http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

2nd class post but obtain "Proof of posting" which is free from the PO counter.

 

When did you last pay toward this?

[klassykitty]

DCA is calling me, i have never paid towards it, credit file says i first went overdrawn february 2007, i havent touched the account since then.

[Bazooka Boo]

Which clueless DCA is it?

 

I reckon this is already SB.

[klassykitty]

Credit Security Limited, passed over from capquest, will it become statute barred at the beginning of next year? 6 years after the debt started? I didnt realise bank charges became statute barred.

If it was already statute barred it wouldnt be on my credit file? only got a copy 2 days ago..

[Bazooka Boo]

No SB starts from the day after the cause of action, or inaction, ie. when you last paid or acknowledged in writing.

 

A default on your CRF can be placed on their up to six months after the last payment, just because it is on your file does not mean that it is not SB, entries on the CRF last for six years, yes, but when you add in the fudge factor that they may have added it up to six months after the last payment you can see where I'm coming from.

[klassykitty]

Ahh i see, so should i send a statute barred letter?

[dx100uk]

poss not true

 

there is no relationship between default dateand SB date as such.

YOUR last financial tranaction in/out or payment was ?

[dx100uk]

as this debt is 99% PENALTY charges

and

 

its a DCA chasing for a DCA

 

i'd guess they'd go nowhere near a courtroom with it

for fear of a counter claim.

 

who name is against the debt on the cra file?

 

a dca ibet?

 

just remember, they are not bailffs and have very few legal powers

even if they own the debt.

 

trying to spoof you me thinks

 

dx

[klassykitty]

The last financial in/out would of been them trying to pay a direct debit,

i didnt touch the account once it went overdrawn,

it just continued to get more overdrawn.

 

After having a closer look,

 

the credit report has it listed as nationwide,

 

it says start date 4/10/2006 and default date 21/01/2009

but shows in payment history

 

i started going overdrawn in feb 2007, showing 1, 2, 3, 4, 5, 6 etc

 

until D january 2009.

 

Hope that makes sense?

[dx100uk]

yep so the debt will not fall off your cra file till the defaults 6th birthday.

 

now last tranaction again...........

 

YOUR last one, not one of their charges..../ failures

 

dx

[klassykitty]

It would of been jan/feb 2007 or before, cant say for sure as ive got no access to the account, but didnt use it once it went overdrawn.

[dx100uk]

then it is or must be very close to SB date

 

hence the fleecers trying it on.

 

dx

[klassykitty]

Yes theyve become really persistant the past couple of months, i told the bloke on the phone i wasnt speaking to him and to put it in writing but i still keep getting unknown number calls to my home and mobile, and at least one letter a week! Maybe i should wait until after xmas and then send them a statute barred letter.

[Stigman]

When was the last payment that you made into or out of the Bank Account?

 

This is very nearly statute barred so they are having their last push at collecting and also someone wants a chrissy bonus from you!

 

A quick check of your credit file will reveal if listed, the default date (this can be up to 6 months after any last activity) and the balance.

 

Never let any DCA worry you, if you do answer the phone, refuse to go through any security questions, laugh and say "in writing only" and hang up, it's your phone line, you pay the bill so never be afraid to answer it.

 

Stigman

[klassykitty]

Ive posted in Banks - Nationwide and got a few responses, the default date on my credit file says 2009 but the last payments made in/out of account were around jan 2007, which is when the account started to go overdrawn, i havent used it since.

[Stigman]

Your basically 6 - 10 weeks max away from the debt being statute barred.

 

If it was me, I would personally ignore until 24hrs past statute barred date then send the statute barred letter.

 

Please note that the Statute Barred date is from the last payment/acknowledgement and not the default date as some DCA's would love you to believe.

 

Stigman

[Bazooka Boo]

Make a formal complaint to ofcom about the misuse of the communications network.