SAR's returned, just how do you work them out? Is there something special that I should be looking for?

OK, so I send the SAR to Nationwide? Do I send anything to KPR? I don't believe I have PPI on this but I do on a MBNA card. - thats not in default!

A SAR on both? and PPI, I dont know!

I have two accounts with Nationwide The personal loan as above for £7500 - they have it marked up as late payment for 6 months late (for 8 months) then last month down as default. From my credit file looks like £50 per month was added for 4 months in the early stages of late payment. Account since 9/2011 The Credit card - £3800 (not referred to in the letter) marked up as 6 month late payment (for 7 months) then 4 months default. - I'm guessing this will be about the time they handed it over to KPR department. with one £50 charge added the 2nd month of default. Account since 8/2011 Both will have been signed up for online.

Unsecured personal Loan

Its a personal loan that I took out in 2012, Had an arrangement for 12 months £1 per month KPR, stated contacting me 6 months ago wanting more Ive not entered any communication with either nationwide or KPR in the year since ive been paying the £1per month I'm sorry I don't know about my credit file as Ive not got an up to day version of it. What else do you need to know?

I don't know of any charges - no correspondence on this matter.

Hi both many thanks for the swift response Ive done nothing other than agree the £1 per month. No CCA request,..

Hello and many thanks for this very helpful forum, Ive been reading around for a few days on here but cant see something that I can directly relate to, so I'm hoping that someone can point me in the right direction of what to do. Situation I have 3 outstanding debts with various lenders all of which I have negotiated a £1 per month payment. I'm a job seeker and I'm also attempting to get my own business up and running - No income from this as yet so I'm just on the basic JSA - but also poss looking to move to tax credits (or the equivalent of). One company Nationwide have appointed KPR to as they quote 'your account which has been passed to us to recover the outstanding debt' Amount £7500 - Date of letter 7th March - received regular post 11th March 2014. Now, my agreement for the £1 per month with Nationwide is approx 12 months old and KPR have been calling and writing to me for 6 month prior to receiving this letter,. . Ive never entered into any conversations or correspondence with KPR over this matter. I also haven't entered into any correspondence with Nationwide since this arrangement was set up. The letter from KPR going on to say call us immediately to discuss what discount is available to - 'settle the debt by paying a significantly reduced one off discounted sum. I'm lost to what my response to this should be? Any help would be very gratefully received.