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    • Hi dx, thanks. Yes actually, that is the case with this one! I've taken tomorrow off work, I need to review the whole binder for each of these and I'll refrain from further questions until I do just that. Just on hold for court ref Claim #2
    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
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racking up charges upon charges, HELP!!


kylecagedfox
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first off im sorry if this has been answered somewhere i did search thoroughly through the forum threads but i couldn't find this particular situation...

 

after being laid off in January i used most of my redundancy money to pay off existing bills and such and eventually left me with £0.02 in my account and thinking everything's sorted,

 

 

i didnt look at my account for a while and when i went back it was a whopping £-160 and what had started as a £15 charge for a returned direct debit has now just racked up charges for being overdrawn and i didnt think they were allowed to make money off their own charges?

 

 

i rang up nationwide and after some shpeel they said there was nothing they can do.

i managed to get a tax rebate which just managed to fix the problem and Lowe and behold the charges kept coming

 

 

now i'm back at square one and its only going to get worse,

this has been going on since march,

 

 

now ill admit im not the best with money but after starting a voluntary apprenticeship where i dont make much money if any im running out of ways to fix the problem, help!

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Hello and welcome to CAG.

 

First things first open a new bank account with a different banking group, secondly lodge a formal complaint with Nationwide, and exhaust their complaints procedure, OR until they have refunded you those charges.

 

Keep EVERYTHING in writing, you need a paper trail of evidence.

 

Do you have a complete history of your account with them?

 

Have you told them IN WRITING, that you're in financial difficulty?

 

Open a new account with a different banking group and get ALL of your money paid into that.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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