Sorry for being thick but whats my next step.

Opened an account with Nationwide. I can't set up loan DD because I can't afford the full payment.

Thanks for the quick replies. Tried to close the account but they refused. Said they need an account to take payment out of. It is part of the DMP. Sent a DPA request in yesterday. Regard letter of complaint regarding banking code, is there a template letter anywhere or could you give me some idea what to write. Thanks again.

I have a managed loan with HSBC and can't afford to keep up the repayments. I have sorted a DMP with the CCCS and they have written to the bank with an offer of £24 per month. The full payment is £55. The bank as refused this offer and still tries to take the payment from my overdrawn account, and bounces it and charges me £25 for the privilege. I have been into the bank and wrote them a letter asking them to cancel the Direct Debit but they refuse to do this. I received a letter today saying I am now 3 months in arrears and a Default notice could be issued or further action taken. I rang them again but just wasted my time. Any advice what to do next please?

Thanks CurlyBen. Letters printed and in the post box tomorrow.

Hello everyone. It's my first post on the debt forums so please be gentle with me. I had pneumonia two years ago and got in arrears with our payments. We couldn't catch up with back payments and have started a DMP with the CCCS. Everything was going fine then out of the blue we received a letter from Direct Legal & Collections saying we owe £177.68 to Hillesden Securities. The debt is to the Yorkshire Bank for charges added when we went overdrawn due to a banking error but the Yorkshire Bank wouldn't accept this. This is from 2005. My question is do we now owe the money to DLC or Yorkshire Bank or whoever? I received a letter this morning from Aplins Solicitors threatening legal action. What's our best plan of action. Thanks in advance.