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bilco105

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  1. bilco105

    Defaulted

    I should also note that I have been very co-operative with them. The debt is currently with a 3rd party debt collector, which I am making small payments every month to show willing.
  2. bilco105

    Defaulted

    Hi There, I currently have an outstanding debt with nationwide, around £2000, most of which is bank charges. They recently defaulted my account, even though I had agreed to make small monthly payments with them until the bank charges case is closed. As a next step, I contacted nationwide using the templates you have, requesting my statement of charges be repaid. They replied to me with a standard letter that basically stated that all cases are currently on hold due to the bank charges case. A fairly standard response by the looks of this. Where do I go from here? The next template is only relevant if they havn't replied, which they have - stating they are unable to act until the case is closed. Whats my next step? - should I continue and inform them that I am filing for legal proceedings? - the next step? Thanks
  3. Hi Folks, Today I received a default notice from nationwide, followed by a threatening bully-boy tactics phonecall from KPR which has me extremely on edge. I have an outstanding overdraft of £2400, which I havn't made payment on since november (Seeing as my last payment was over £1000) and 99% of the remaining amount is a flood of bank charges. However, I fear I've left it too late to start challenging the bank and disputing the charges, since KPR contacted me today acting on behalf of Nationwide. I sent a request for statements, along with a £10 cheque a while ago. However, I did not send it proof of delivery and therefore have no proof it has been received. I plan to send another tommorow, recorded delivery, along with another cheque. Have I left it too late? KPR called me and used there bully boy tactics to make me agree to paying back £400 a month, but I am not in a financial state where I can afford to do this. What advice can you give me regarding this? I really want to dispute the amount I'm being charged, but I don't want the default to go on my file. (KPR have said I wont be defaulted if I keep up with the payments they offered me over the phone). I've done some reading now and realise it was stupid of me to deal with this over the phone. What should I do now?
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