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Jacky202

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About Jacky202

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  1. Sorry to hear you're having this trouble too! I've done as advised here, but not heard anything back yet from Nationwide complaints department or from the DCA. So still waiting to hear what happens next. Best of luck!
  2. Thank you very very much, Pinky69 and BB! That's great news about not needing to say much! I'm used to sending long letters, but on this subject I haven't a clue lol! Much appreciated for setting my mind at rest and advising on what to do next. Will get right on it
  3. Hi Pinky69! Thank you so much for your reply. That is very reassuring to hear that someone else agrees the credit agreement is unenforceable and the DN unlawful! I haven't been through this before - as you can probably tell OK, so... 1) should I not respond at all to CCSCollect (the debt collectors)? 2) Re the letter to Nationwide Complaints Dept: should I just say what you've said here and nothing else? Or is there a standard letter along these lines? Sorry - I have no idea what to say as it's all new to me! 3) Re the DCA - how do they relate to Nationwide? Again a
  4. Here are the pages they sent as my CCA. If someone could just check whether this is enforceable I'd be very grateful!
  5. I've been doing some scanning to give more info... Here's the letter from CCScollect today:
  6. Here is the full thread from the Nationwide forum (so you can see all the history), though I haven't had a response there recently and really need some advice if possible. http://www.consumeractiongroup.co.uk/forum/nationwide/198126-nationwide-cca-received-help.html Thanks again!
  7. Hi, I hope someone can help... Nationwide have recently contacted me through CCSCollect Debt Collectors saying that unless I pay the amount overdue on my credit card (nearly £5,000) or make an offer to pay acceptable instalments 'within the next seven days' (due around about now - I tried a thread in another forum but didn't get a reply) then they 'shall have no alternative but to take action through the County Court to recover the amount due together with court costs and legal fees'. Now this account has been in dispute for a year and I've barely heard from them in this time. I thin
  8. Hi, Nationwide have recently got back in touch with me about my credit card debt (about £4500). I requested a CCA about July last year. They sent the form I'd filled in for the credit card, but not what anyone here thought looked like a credit card agreement (see previous posts in this thread). I replied with a letter that Clemma posted here - saying I do not acknowledge this debt. Since I last posted there's been silence from Nationwide. Now they are contacting me through CCS Collect saying the following (typed as scanner out of action): 'Our client Nationwide Building Society
  9. Hi, Nationwide have recently got back in touch with me about my credit card debt (about £4500). I requested a CCA about July last year. They sent the form I'd filled in for the credit card, but not what anyone here thought looked like a credit card agreement (see previous posts in this thread). I replied with a letter that Clemma posted here - saying I do not acknowledge this debt. Since I last posted there's been silence from Nationwide. Now they are contacting me through CCS Collect saying the following (typed as scanner out of action): 'Our client Nationwide Building Society
  10. I think I'm going to call the tax office today and ask that they agree I will pay the amount in full by the end of December, but to please not insist on the £77/mth plan because my work is very up and down. For example I have no money spare right now, but in two months when I'm paid for this job I ought to have enough money to clear most of the debt. Wonder if they'll go for that! I actually doubt it, but it's worth a try. Wish me luck trying to get through to them! x
  11. Lol I know what you mean but in this instance I was spending the hours trying to get in touch with the tax office (being on hold forever then being cut off ) and talking to the CAB, CCCS and Payplan and getting action set up with Payplan for dealing with my other creditors. But yes an hour or so was spent just worrying, because I couldn't get through to anyone by phone because it was lunch time. All in all I spent 4 or 5 hours on all this yesterday. I agree totally - just worrying about the situation is a waste of valuable time when we could be earning. Totally agree with that and that's
  12. Not your fault at all. It took me by surprise when the woman from the inland revenue said this on the phone. Ok I haven't paid on time in the past but they haven't ever sent demands like this before. I guess that doesn't make any difference though - if it's late it's late. Thanks for breaking it down like this. I hadn't thought of that. At the moment I don't have any non essential payments, so I'm just going to have to try and drum up an extra £10/wk business... My only other option is to agree to pay the lump sum by end of December (which is their aim to clear the debt by then
  13. OK well I've just been on the phone to CAB and Payplan and neither can help with the inland revenue situation! CAB have no appointments until Sept so referred me straight to Payplan or CCCS. Payplan apparently aren't able to deal with priority debts. They said I have two choices, either keep telling them I can only afford £30/mth and hope they listen or borrow the money from somewhere and pay the amount they're insisting on (£77/mth)! Is this really all I can do? I don't want to risk them coming to the house and wanting to itemise everything because I don't want to lose my car! And
  14. I've received a letter today from HMRC stating that I've failed to respond to their request for payment. I sent them the letter explaining my financial circumstances but they haven't received it (I need to dig out the receipt as I sent it recorded....) The letter said that if I don't reply in 48 hrs of receiving the letter then they will make arrangements for someone to come to my house and list my contents and sell to auction to recover the debt... So I called them, said about the letter I'd sent offering a payment plan of what I can afford and they said this was *too low*! I have o
  15. Doh! yes PPI - I don't have that and if I had had it they would have stopped it now. Re the list, I thought I had heard that said before which was part of the reason why I didn't send it to them. Glad to hear it's not essential! Thanks again x
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