Showing results for tags 'nationwide'.
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Hi, Anything I can or should do regarding a Nationwide account currently with MKD at £587 despite credit report reading 'Defaulted on 11 Apr '11 with a default balance of £0'. Account was opened on 5th July 2006 and no contacts or payments been made since 2009 at the most... .the entire balance is charges as never had credit or overdraft. Any advice kind folks? Thanks NS
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Is there a way of stopping or challenging this from being renewed at the end of its 5 years (before the actual debt is cleared)? Original debt: Nationwide Overdraft back in 2004 of £3500 Nationwide refused to deal with Christians Against Poverty who were sorting out a repayment schedule at the time and as soon as they were involved took me to court. They had been phoning me in the evenings to try and get me to repay the overdraft and had offered if I could pay the overdraft of £2000 - they would waive the £1500 over that but I was pregnant at the time and about to come off on maternity leave soon and did not have that amount of money available to me then. The guy I was speaking said that in that case they would take me to court and take my house away from me. Decree was granted in April 2005 and Order of inhibition on any property I own after that. Was renewed on expiry in 2010 and due again to expire in May. Have £1900 left of balance. Have not received any statement of the account since the decree in 2005, so have no idea of interest and charges that have occurred or how much I have actually paid back. First was passed to Morton Fraser solicitors and now with Aberdein Considine. I have tried to put in a claim for unfair fees and charges that were added to the account - the overdraft was £2000 and the fees and charges the rest. Morton Fraser said I was not allowed to contact Nationwide Building Society to do this. Never got a reason why they would not look at the fees and charges - on the one hand Nationwide were saying to contact Morton Fraser with a settlement offer and they would consider it through them but Morton Fraser said they received no such instruction from Nationwide - so just kept going round in circles. This was a few years ago and I had too many other things going on in my life to fight with them about who said what so just left it. However, I want this inhibition removed so I can move on with my life. I could possibly just about manage to settle the debt before May, but it would be a struggle (we are a family of 7 so every penny counts). I do still have some other outstanding debts that I still am paying that defaulted at the same time. Any advice on how to go about this one? -
Hi, I've been in dispute with the Nationwide for the last 12 months, regarding unfair charges and incorrect data on my credit files. We have not been able to come to an agreement so I am considering starting court action in the next few weeks. First I will list a history of the account: Sorry it's so long, but it does cover everything. I've only got around to making a SAR request in the last few days, so I can't submit a claim until I receive the paperwork as I want to double check exactly what letters they sent me. But even before I receive the SAR paperwork, I want to prepare my claim and make sure that I submit everything 100% correct. The laws which I think they've breached include: Unlawful termination Unlawful default Breach of contract Unfair treatment Unfair terms Data protection act (passing on letter to MKDP) Data protection act (Incorrect data on credit file) As a starting point, exactly which laws should I read into more and are there similar cases that it's worth looking into? Also I would really like to claim defamation because that's what they're doing, but I've read elsewhere that defamation cases are highly risky and expensive, so I guess I'll leave that. One problem is claiming damages. I've read elsewhere that you have to show a breach of contract and law and the hardest part is that you have to show quantifiable damage. How do I quantify the damage to my business and credit rating? When I submit a claim, do I have to state a maximum that I am claiming, because if this is a high value, then isn't the court fee really expensive? Can I claim damages for the stress and hassle that this has caused?
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Recently we had our bathroom done and ordered some glass splashbacks from an on-line company called Cameo Glass to fit round our wash basin. When we ordered custom made white glass splashbacks (for some £200), we (reasonably, I hope), expected something made from opaque white glass. Nothing on their website suggests otherwise, though we now know competitor websites do make it plain that this is not the case. What turned up was white back-painted "clear" glass. This wouldn't in itself be a big problem if they had actually used truly clear glass. What we got has a distinct blue tint to it. On the left is what we've now used in our bathroom... [ATTACH=CONFIG]56336[/ATTACH] We tried to get a refund, and were simply told "that's what it's like". We are in the process of putting a chargeback request through Nationwide but they're being useless and have twice written to us first saying that this doesn't fall within the bounds of a chargeback, yet confirming in the same letter that "goods not as described" is one of the categories, then latterly saying that it's our problem for misinterpreting what we were buying. I have now asked them to show me where it explains on Cameo Glass' website that "white glass" is in fact white painted, slightly blue-tinted clear glass. I think the mistake we made was complaining about it not being white glass, but back-painted, rather than placing emphasis on it not actually being white (though this was stated in the original complaint). What do you think? -
I am a foster carer and when I began fostering over 3 years ago I took out a new home buildings and contents insurance policy with Nationwide. I specifically told the guy who sold it to me over the phone that I was a foster carer and needed suitable insurance to cover me for potential damage by foster children. He said this policy would be fine. I have been paying it for nearly 4 years and not made any claims but yesterday one of the young people that I foster caused considerable damage to my house during an outburst of temper, including a broken window and internal doors. I called the insurance company today and was told I was not covered because there is an general exclusion concerning damage caused by anyone living in the house. This means that I have been paying for nearly 4 years for a policy which was not what I asked for. Do I have any claim against the Nationwide for selling me a policy which did not meet my clearly stated needs? -
Hi all, please can someone advise? I opened a Nationwide current account in January 2009. I had an overdraft limit of £1000. By June of that year I was in financial difficulty and the overdraft went over it's limit. I think it went up to about -£2K. I've always been scared of confronting debts and did my usual burying my head in the sand. Nationwide closed the account and demanded repayment and I ignored it. Since then every so often I get letters from various DCAs demanding payment but I've ignored them. More recently a company called Redhill and latterly MKDP have written wanting me to set up a repayment plan, which I've chosen to ignore. This week MKDP wrote to me saying they've done searches with the CRAs and other databases and have reason to believe I'm still at my address and they are instructing their pre-legal dept to review the account blah blah, with a view to CCJ. Help!! What can I do? I'm a year off this being statute barred. Is there a way to delay things by putting it into dispute? The debt now stands at nearly £8K - mostly made up of charges put on by Nationwide before they sold it. How can I legally challenge this? If someone can point me in the direction of the letter I perhaps need to send to stop them in their tracks it would be much appreciated. Thanks in advance.
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Fredrickson international started hassling me about a week ago via text , calls ect, over a £400 dept to nationwide, today they phoned my employer, causing me no end of problems, I have a meeting with my line manager later today, I have written to them, saying I will only deal with them in writing, I asked for a means test form, as I am a single dad living in a rented furnished property , after my wife kicked us out, please can anyone advies me what to do, before I lose my job. Thank,s -
Hi, hope you can help I opened up a flex account with Nationwide in May and they offered me a £1000 interest free overdraft (which I signed for) for a year. Today I got a letter from them to say that my overdraft has gone down to £250 and from November I will have to pay interest. Are they allowed to just withdraw an agreement? Thanks
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Hi there. My brother and I are in very similar positions with our houses in that we both bought around the same time last year and selling the same time this year. The big difference is between our ERC's which we both have Nationwide. My ERC will likely be around £3500 which I do think is excessive and unaffordable (hence the sale) but my brothers is £9,500 which seems totally ridiculous. It's essentially 5% of his mortgage. Where do we stand with these. I saw the stickies but they appeared to be around 2007 so am not sure what has changed if anything. Any help is greatly appreciated.
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Hi can anyone post a copy of a Nationwide credit card agreement from before August 1999. Cheers. These don't seem to contain prescribed terms.
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Hi all i need advice on how to tackle this 2195.00 credit card with Nationwide. It has now gone through various places and ended up at ARC Europe. They are now issuing court proceedings and i wish to send them a letter which tells them i cannot afford to pay more than £1 a month. I'm currently going to college whilst living at my mum and dads which is a pain from all the phone calls and letters. I am barely working and havnt been in receipt of JSA as i'm at college and also i struggle to get one day a week work with friends or family right now. This has been on going for probably over a year now however ive not been financially stable since. Thanks all.
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Hi I have had some great advice from viewing previous threads with regard to getting debts I had written off from HFC and Barclaycard/Lowell by going down the SAR route, but I have a different issue which I havent been able to find anything about........ I had a flexaccount with Nationwide which I last used approx 5 years ago at least, it had an overdraft which spiralled to £902 mainly I believe made up of unauthorised overdraft charges. This debt has been sold to Aktiv Kapital who have recently started sending me letters and phoning (though at present it is only once a day - I know AK often phone upto 10 times a day - I have experience of this!) What I was wondering was is there anything I can do to get these off my back? I believe overdrafts are not classed as credit agreements so Aktiv Kapital may be more difficult to chase away. (I also have another debt, Egg credit card with AK which I am paying at £1 per week). I do not have any paperwork from Nationwide (old statements etc) as I moved house back to my parents due to extreme financial hardship, and basically got rid of everything apart from my bed and some crockery.... I also do not want to give these people any personal information, I am working but am currently on a Zero Hrs Contract so my wages are variable. I hope someone maybe able to help or should I just ignore them...... which I have no issue with doing!
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Opening a thread that I'll keep updated as it progresses. I received a letter today from Nationwide regarding a credit card debt I had with them. They informed me that they have passed the debt to CCSCollect. The debt they are referring to became statute barred in January 2013. However, when I called CCSCollect to have them remove my details, they claimed that a payment was made to the account in 2012. This would have been impossible, as I was living in Chile at the time, and had no means to transfer money to the UK. I've sent a letter copied to both CCSCollect and Nationwide today detailing the last payment, the default date, and the date the debt became statute barred. I've stated that the debt is unenforceable, I do not acknowledge any liabilty, and that I will not be making any payments. I also explained why any payment they claim I made would be fradulent - and stated that if a payment had been made, it would have shown on my credit file. I suggested CCSCollect return the account to Nationwide, as they have been sold an unenforceable debt. If they decide to go any further with this, does anyone have the link to the template letter to demand that they prove I made the payment? Hoping this'll be the end of it, but we'll see. Thanks, everyone!
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Hi i was in debt £26 to Paypal after sending the payment by echeque whilst it was processing i got an email from credit solutions and didn't take any notice of it as the payment was pending but after checking my statement i had been charged £90 for unpaid direct debits from paypal putting my balance to minus then because it went to overdraft i have then been charged £20 for emergency overdraft what should i do now?
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Hi, Apologies as not sure which section is best. I will shorten this as rather complex. Have a passbook from Greenwich Building Society from 1971 with £5,000 in it. (was my father in laws mother but both passed away now - mother in law still with us!) I found out that ultimately it was sold to Portman and then to Nationwide. So wrote off to Nationwide, send copies of the passbook and they now say that as it is well over the 6 years and due to the Limitations Act 1980 that they do not have any details of the account and all files would now be destroyed. I have a problem with this as there could be £5000 somewhere from 1971! Anyone know how to proceed with this? Many thanks Swanleyboy
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I have noticed for the last few months, one debt appears twice on my credit report, with two companies - Nationwide and MKDP - both applying monthly defaults. A screenshot is attached. I am guessing that Nationwide sold the debt onto MKDP. However, if MKDP are listing a default date of 8 January 2009 (when it was sold on?), why would Nationwide then state a default date of 3 August 2009? Furthermore, if the debt is indeed owned by MKDP, then why does Nationwide continue to apply monthly defaults? Also, having read another thread on here regarding MKDP, is it likely that as of January 2009, MKDP did not actually hold a Consumer Credit Licence?
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Hi Everyone, On the 2nd and 3rd May totally £1250, my card was used and a refund was given for a number of transactions from a betting site. But then on the same day as the refund they used up another £1800. I then disputed these again. My daughter also put £2000 in my account without knowing what had been going on and this was also taken. In total I have £3550 missing. The fraud team at Nationwide said that they have a great relationship with the casino in a 'we don't believe you way' and asked me to go in the branch and present my passport to verify my ID and speak to them while I was there. I arranged that I would go on Friday of last week and I went but the woman I arranged it with was on holiday! They said I would get a call back on Monday but no call was made only a message stating that I had to again go in the branch. No apology or explanation. I phoned them up and said that I had already done that and was told that someone would call me back. No call back. I sent a steaming email (several) to Graham Beale and got a call back today telling me that I had to go back into the branch as it wasn't done correctly and sorry but that is procedure and nothing can be done without me doing so. I explained that they have left me with no money or no account, my husband is recovering from brain surgery and that I have limited walking capabilities because I had a knee replacement that is still painful. All I was told was NO NO NO they couldn't help. I have been on the phone to the BBA, FOS and the FCA to get advice and was told that they should make reasonable adjustment in regards to my circumstances. So another hot head email sent to Mr Beale. I have done what they wanted and its not my fault their fraud team are incompetent. I wouldn't mind but I have to take a taxi to get their which costs £10 each time. This would be the 2nd time. I had to lend money to go to the branch on Friday and cannot do it again. Isn't there anything else I can do as I can't see them helping me at all. Thanks Carole
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Straight to the point where going through some issues with money Wife works and now is pregnant I lost my job while ago. issue credit card missed few payments owe money. Nationwide are saying they wont accept the offer we have made to pay the money back. Now we have Nationwide bank account with overdraft.yes we have an overdraft money is paid in every week and month so running well. They said to me on the phone they will take the overdraft away and can take any money going into that account to clear my credit card account. My question is can they do that?
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Hi all. I received a letter this morning from Nationwide telling me my account "has been legally assigned to MKDP LLP and all future payments should be addressed to them." Nationwide (and a variety of debt collection people) have been chasing me for this for about 7 years. About 6 months ago I received a small amount of money, and contacted CAB to ask whether they think I should get in touch with Nationwide to pay off the debt. They advised that because I hadn't heard anything from them for around 18 months, I should "let sleeping dogs lie". I now find myself wondering what I should do now I have heard from them! I have struggled with mental health issues over the past 5 years (This is when they've been at their worst) but am working hard to rectify them at the moment, and I don't want to start being hounded as this could affect my recovery. I don't have the full amount (Just over £400) to pay them now, or i would consider paying it them in full just to make them go away. However I would struggle, and probably fail, to keep up with a repayment plan as i'm on benefits at the moment and am already struggling to pay bills etc. Aside from not being able to afford it, I am morally aggrieved at having to pay this money at all! All of it is bank charges because I went a few quid over on a £50 overdraft when I was 17! I acknowledge that I should have paid the initial charges, but £400+ does seem a little steep considering I didn't actually lend anything! So, I decided to get some advice from you lovely lot 1. Should I make any contact at all, or continue to do what I have been doing and hope they go away eventually? 2. If I do get in touch, are these companies usually willing to accept a reduced amount if you pay straight away? (I have about £200 in savings but I don't know whether that would be enough to satisfy them.) 3. Is there any way to get debts that consist mainly/wholly of charges written off on the grounds of it causing unnecessary additional stress? After all I don't actually owe them anything. (Or on any other grounds?) 4. Is there anything else you can think of that I may have missed!? Thanks very much for any help you can offer. -
Hi, I hope I have posted this in the rigjt place. I wonder if anyone can help me. I was served a default notice by Nationwide in December of 2007 for arrears on a personal loan account. I eventually managed to bring the account up to date but in 2011 defaulted again and was served a default notice in July 2013. I have read on other threads that an account can not be served with more than one default notice. Is this correct ? if the account was brought up to date then defaulted again? I have the paperwork for both defaults which state different amounts being owed but for the same account. Also if it is correct that I should only have one default then what should I do to get this changed on my credit file? I am working hard to pay off the amount still owed and also on another couple of debts. I have 3 defaults in total on my CF but the other 2 are 3 years old so I am half way to cleaning my file. Another question that I have is that it will probably take me another 3 years to clear the debt, will the monthly DF on my credit file mean that even in 3 years my when the DF fall off I will still be in a bad position as the debt will only just be paid? Sorry for the multiple questions. Any help would be very much appreciated
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Hi everyone I wonder if you can help. I've scanned the Nationwide thread and can't find anyone who seems to be in a similar situation as me, so I hoped you may have some advice or could point me at nyone who may be in a similar position. I had a Nationwide Credit Card that went into arrears at some point between Dec 2008 and February 2009 (so unfortunately not Statute Barred yet) Over the years I've had numerous agencies chase this debt and unfortunately being a mixture of disorganised and a bit lazy I never got round to sending any letters to these agencies to dispute the debt The various letters from agencies started in June 2009 was with KPR who I understand are Nationwide's internal collection agency, followed by: Roxburghe - October 2009 Graham White Solictitors - Nov 2009 Wescot - May 2010 Nelson Guest and Partners Solicitors - June 2010 I then received a notice of assignment from Nationwide and MKDP in October 2011 saying that the debt was legally assigned to MKDP on 30th September 2011 Following that I have further letters from: MKRR - Nov 2011, Dec 2011, Jan 2012 Raven Recoveries - March 2012, May 2012, June 2012 Keynes Collections - Dec 2013 (Notice of Intended Legal Action) This morning I received a notice from the county court in Northampton with the following claim details: "The Claimant claims the sum of being monies due from the Defendant to the Claimant under a regulated agreement originally between the Defendant and Nationwide. The Defendant's account number was XXXX and was assigned on 10/10/2011, notice of this has been provided to the Defendant. The Defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The claimant claims the sum of and costs. The Claimant has complied, as far as is necessary, with the pre-action conduct practice direction" i have until 29th March to respond and I have no idea what the best course of action is or even if I have any recourse at all at this point, so any helpful advice would be appreciated Many Thanks Syd -
Hi, I have recently received a statement from Nationwide and i have been charged £15 for a cheque that i wrote and had no money in the account to honour. However i wrote the cheque of £10 which was to pay for a SAR at another bank, that other bank returned my cheque and although i have tore that cheque up, i have a letter from them stating that they returned it. The reason they returned it is because i complained that the bank in question was being deliberately obstructive when it came to the SAR, so im assuming they chose not to charge me for this as they were at fault in taking so long to uphold the SAR, what should i do with Nationwide though?
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Hi everyone, I am new here and looking for some advice regarding Nationwide charges and my credit score. I had some store cards when I was at university and got into trouble (no ccj's). It's now 12 years on and my OH and I are hoping to buy or first house in 2 years once we've saved up the deposit. So I recently checked my experian file for the first time, and whilst there is no mention of my previous bad accounts (all statute barred by now), I was surprised to see some numbers in the 'Account Status' section where my Nationwide accounts are shown. I opened up a second current account (no overdraft) with Nationwide last year with the intention of using it solely for business, and set up a standing order to my accountant every month. Shortly after I stopped using the account, and forgot all about the standing order A couple of months later I saw to my horror the SO had kept trying to go out, hadn't, and NW had charged me for it! Charges ammounted to over £200! I transferred money over to cover the charges which now amounted to an unauthorised overdraft. However NW kept charging me again every month, an interest charge, and a few for the unauthorized overdraft, all without my knowledge (I'd paid £200 to cover charges and thought all was fine). Anyway I saw my statement and rang NW in tears. The lady was very nice and said as I'd never had any charges refunded before she would stop all charges and interest and close the account. I didn't ask, and wasn't offered a refund on the charges I'd already paid for. Fast forward a few months to now. I checked my credit report and saw this [0] 2 1 0 0 0 0 1 0 0 0 0 £0 £81 £61 £41 £21 £0 £0 £80 £45 £30 £15 £0 Account Status Details: (1 - 12 months) It does not say there is any kind of default but it shows 'settlement date' 19/12/13. I cannot see my score but on noddle it shows 1/5 so this has obviously decimated my credit! My question is can I get these awful markers removed from my credit file, and if so how? I have read about BCOBS and wondering if I could use this? My second question is, with these markers on my file is there any chance I could still be accepted for a mortgage in 2 years time? We will have around a 25% deposit, looking for a house around £200,000, and have a combined income of £60,000. I will have 5 years self-employed records by then. -
I have a simple question ... Can a Bank do the following to me without any notice whatsoever? I did not know I was overdrawn and had a bunch of money in my other account, it would have taken me a second to transfer if I recd. a notice. All these were slapped on me on a single day. 31/01/2014 PAID TRANSACTION CARD PAYMENT TO xxxx £25.00 £1,050.33 31/01/2014 PAID TRANSACTION CARD PAYMENT TO xxxx £25.00 £1,075.33 31/01/2014 PAID TRANSACTION CARD PAYMENT TO xxxx £25.00 £1,100.33 31/01/2014 PAID TRANSACTION CARD PAYMENT TO xxxx £25.00 £1,125.33 31/01/2014 UNARRANGED OVERDRAFT USAGE FEE £20.00 £1,150.33 Thakns -
I am receiving a message advising the page cannot be displayed. Does anyone know if there is a problem with the Nationwide Online banking service ?
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