good evening, I am having problems with nationwide verified by visa . I have been trying to pay my gas bill online over the last few days but the payment has been declined/not authorised by nationwide. I have tried numerous times checking and double checking that I had entered all information correctly, but to no avail, my payments have been accepted in supermarkets and today at my vets with no problems. I thought it maybe a problem with british gas website but today I tried to purchase goods online and the payment was declined again! there wasn't even the security page from verified by visa to enter password etc just a message saying we are unable to process the order as yourself cannot be verified by your bank. Seems rather odd as I have made other payments and my direct debits using the visa card are going through ok, any thoughts to why this is happening please?

Hi, I've read some past threads on debt regarding debts following you abroad and that CCJs cannot be obtained on a non UK resident...is this still the case? Also, are EPO's expensive to obtain? I now reside in Sweden, moved here 2 weeks ago and will not return to the UK for the foreseeable future. I have a credit card debt with Nationwide for 408gbp which has now been passed to Bryan Carter. I lost my job in the UK for a while and got myself into debt including with council tax and tv licensing but cleared those before leaving as I had a temporary assignment for a few months. I am now left with a Nationwide loan, overdraft and credit card. I did explain my situation to Nationwide and the payment for loan (around 7k) and overdraft (1k) is on hold until November as I explained my situation, so I'm unsure why credit card was not included in that, especially considering it's for much less value. Now I have explained the same to Bryan Carter, who are threatening CCJ because I can't pay, even though I informed them that I do have intention to pay nationwide, as discussed with them for their other products - as soon as I have a job. I am not trying to evade this, but do not want a CCJ issued and to be chased for it in Sweden...please help because Bryan Carter say they can still obtain a CCJ from a foreign address, and are asking me for a uk C/O address in the meantime, which I most definitely will not provide.

Sorry for a new thread but i need answers to this one I am currently setting up a DMP with STEPCHANGE - hopefully this will be completed tommorrow. However I was just going through my mass of letters and noticed I had missed a default notice from Nationwide for my loan ( Owing £3800 ) I dont know what it is and it says action must be taken by the latest tommorrow Shall i ignore and carry on with my DMP arrangement or do i need to contact them I dont really understand what a default notice is thanks

Hi all, I have an over draft with nationwide for 1,800. Yesterday i received a letter from nationwide saying that they are reducing my overdraft to 1,100. At present i am in my overdraft 1,791 and in a panic. I'm not sure what will happen will I be charged the interest of 50p a day or is it worth me asking for a repayment plan and asking for the account to be closed. My tax credit payment get paid into this account and now i'm wondering if i should ask for payments to be paid into another account advice would be very much appreciated.

hi all Just a bit of advice please Out of the blue I have had a visit from Scotcall in relation to Nationwide for £359.84 I wasnt in when they called but they have left a postcard for me to call them I used to be with Nationwide a long time ago, having a current account with them I had no credit cards/loans or even an overdraft on this account so Im aonly assuming these are bank charges So how do I play this ? Its not on my credit record, well not as far as I can see. But obviously they are braying on my door for the money What the next step for me please ?

Hi, Starting separate thread for each debt per DX's advice:-D Can't CCA an overdraft ? Currently owe £2500 ish....... should we make token offer of payment or wait until we get CCA results from other creditors ? Have just been ignoring so far, And also start process for any reclaims.

Hi, Starting separate thread for each debt per DX's advice:-D I'm not being chased for this as they do not have my current address...... but can I CCA them using same details as my partners card i.e. presume that KPR will be chasing it also ?

Hi, Starting separate thread for each debt per DX's advice:-D CCA request printed & being sent Monday, then need to get started to see if anything to reclaim.... This is being chased by KPR debt collection & have already made an offer for reduced full & final......

Hi I wonder if anyone has any information about the legality of the above,. My son has a basic account which does not have an overdraft facility, and he has accumulated several charges for returned direct debits.(£15 a pop) My probably simplistic understanding of the Supreme Court ruling was that the bank charges were legitimate because they were a core or ancillary term and in effect a fee for consideration of an overdraft, of course this is not the case in a basic account, as an OD is not an option. If this is correct is there cause for an action for reclaiming these charges under the UTCC'S and under common law as being an unfair (penalty)

I hope somebody would be able to assist me with this. A couple of months ago the money I was getting from DWP for my mortgage stopped (I am on JSA income-based) and I started racking up my mortgage arrears. Up until then I was able to keep up with my full repayments with some help from "external sources" (mainly friends). When that happened, I did contact the lender to let them know that I'd be able to pay the interest on my mortgage, but nothing else as I couldn't afford it. Even though I spoke to them on numerous occasions and they verbally accepted that I am going to pay less (though I never thought of asking them to confirm anything in writing - silly me!), about 3 months ago I received a demand letter to pay ALL the arrears, the whole mortgage (around £115,000) or else. I did contact them then to let them know that at the present time I cannot afford either and that the money I get from DWP barely covers my most urgent needs, though I am able to pay the interest. They didn't budge and after that I received a solicitors letter giving me 15 business days to either clear the arrears or pay the entire mortgage, otherwise they will apply for possession order. As I wasn't happy with the way I was treated (their stance hardened significantly after I received the demand letter) I made a complaint to them. They did respond, though quite late and did not address my points. In the meantime I received my court papers and found a solicitor which I paid to represent me in court. I was advised to complain to the ombudsman as they haven't followed the action protocol and that is how we were able to adjourn the hearing for the start of next month. Unfortunately, I can't afford to pay any more solicitor fees and I am on my own with this (no legal aid as I don't qualify). What I am not clear is what happens if I have to make a court appearance and there is no decision from the ombudsman? Is the case going to be adjourned again? Similarly, if my complaint (about the lender not following the protocol and not treating me fairly) is upheld what then? Do we start from square 1? Is the judge likely to dismiss the case on the basis that they did not comply? Also, if the ombudsman sides with the lender, I guess I am stuffed and there is nothing to prevent them from getting possession of my property, is that correct? Many thanks. -==-

Hello, This is my first post so apologies if it's not to the right place. I've spent a bit of time trying to look at other posts and in the library, but am still struggling to get my head around what I am meant to do. I used to have a Nationwide bank account which was about £300 overdrawn. This was closed about 7/8 years ago and I made repayments (or so I thought). Then out of the blue I get a letter from Nationwide saying that they have sold a debt of £440.07 to Aktiv Kapital Portfolio AS, Oslo, Zug Branch. I was surprised by this firstly because I thought I had paid it back and secondly this is more than the debt was to start with. Shortly after I get a letter from Aktiv Kapital demanding repayment, followed by many more letters. In my confusion I paid a one off £10 through their website which I probably shouldn't have done but just did it to put off the letters. I've now been receiving lots of letters and phone calls from Credit Security Limited on their behalf. So what should I be doing next? I'm not entirely sure that I owe anything , and if I do I don't see how it can be that much. I had a look in the library. Am I meant to send a CCA letter like this one? Or the general debt letter? Or something else entirely?? My mind is boggled so any help would be much appreciated!

I made a complaint re: a miss sold LoanCare single premium policy on behalf of my partner. Nationwide seem to be trying to stall at every turn. The latest being that they need information on 1. employment status at time PPI was sold 2. Details of Employer, number of hours worked, particulars of his companys sick pay entitlement 3. Details of alternative means of making repayments, such as level of savings held with proof. They will not progress any further without this info. Now we have the results of the SAR, Nationwide have most of this info already, apart from savings and sick pay entitlement. Interestingly, we discovered when my OH took a top up loan on top, they charged him for another policy on top without telling us. Do Nationwide have to have this info and is the 8 week deadline still in force while they wont progress? Thank you

Love some advice from the repossession gurus on here ... I have a Notice of eviction set to be carried out on Monday,19th August Currently in arrears to the tune of £5,500. My normal monthly repayment amount is £347 I have had previous agreements with the lender (Nationwide) to pay reduced amounts and have had a portion paid by the DWP, but payments from myself have admittedly always been sporadic over the past 2 years, and not always the full agreed amount. Currently there is no payment from the DWP and I am not in a position to make any form of significant monthly payment. Speaking with Nationwide, to prevent the repossession at this stage, they would be looking to receive the full amount of the arrears. I will not be made homeless by the repossession and I am looking to move on anyway. The house is not currently on the market and there is not a significant amount of equity in the property. There is also a charging order against the property for a loan with Black Horse. Is it worth fighting the repossession at this stage? Given that I am looking to move anyway, and that realistically speaking, I cannot afford any type of repayments in the short-term, certainly none that Nationwide would accept at this stage. Is it worth me trying to hold onto it or should I just let it go and let Nationwide have the hassle of trying to sell the property. My head says let it go and foget about it…my heart says, try and keep it, retain some dignity, and try and sell it myself, although I do not see that this second option is even viable at this stage. Any help/advice much appreciated

I have been dealing with my parents' credit card debts since finding out about their financial difficulties last Summer. I've found lots of useful help on these forums but now need some guidance about what to do next please. I have calculated and set up affordable payments for them and reviewed and increased the payment amounts in April after one company wrote off a debt because of their circumstances. My current issue is with my Dad's Nationwide credit card account. (He is 76 and has heart failure and diabetes) Yesterday he received a letter dated 06/08/2013 on KPR Debt Recovery headed paper.(hopefully attached with a copy of my last letter to Nationwide). It refers to "previous correspondence" and a Default Notice (which has never been received). It is the first letter on KPR paper that he has ever received and he has been making the accepted regular payments without fail. I have already explained his health position and the need to avoid stress and anxiety etc. numerous times and they have a signed authority to deal with me but they continue to threaten legal action. Please could someone have a look at my attachments and advise me how to respond to this latest letter? Thanks for any assistance

Hello everyone, In an attempt for a final push to sort out my debts I'm looking for someone to help me, the attached agreement may not be enforceable, it isn't signed by Nationwide.......now the catch is that this agreement was made because the FOS upheld my complaint re PPI so does it need to be signed to be enforceable? It is a whole new account number etc. The reason I ask is because Nationwide took me to court last year, despite paying them £59.64, I was in an arrangement with them through PayPlan. I just had the court papers land on my mat which was quite aggressive in my view, I had no way of paying the full £2.2k which was still owing. They did however write to PayPlan with a formal demand before court action commenced but I didn't get that, I've only just discovered it because I DSAR'd PayPlan. Is there anything I can do? I had the CCJ cleared. Oh and I paid the full amount (Mum lent me the money) and they still continued to default my credit file for 6 months after I settled the account, I reported that to them in April this year and they cleared one CRA but last week I've discovered they still have it incorrectly on Experian, is that against DPA? [ATTACH=CONFIG]45300[/ATTACH]

Ok hi everyone been a while since I have been on here, so here's what has happened I got a letter back in April from Aktiv Kapital about a debt from Nationwide which I have not made a payment according to my credit report since April 2008..... The account is now 9 months from being statute barred.I have heard nothing from Nationwide since 2008 and now I have this letter from Aktiv Kapital saying the account had gone into default in 2009. As I was moving I sent the letter back saying no longer at this address and I have not had any further correspondence, I did put a redirection on our mail. I checked my credit file this morning and there plain as day is a default from Aktiv Kapital. What should I do? If I send them a CCA and they send me the argeement then the counter will go back to zero won't it? Please help I need some advice on what to do next. Tnx

Hi all, Following on from my own recent success with reclaiming PPI (with of course help from here) I am now currently assisting my mother with her first reclaim, a credit card that she used to hold with Nationwide. this was the first one that she found a good selection of (but not all) statements for. The card was originally applied for in January 2003, so am I correct in saying that this was prior to PPI regulation? Until taking voluntary retirement in 2005 my mother was a teacher, always employed by local government / council with good sickness / redundancy benefits six months full, six months half etc. At the time the credit card was taken out my mother had just been diagnosed as a insulin dependant diabetic and at no point was this discussed in relation to the PPI applied to her CC. Quick timeline: 17/06/2013 - Complaint Letter Sent 19/06/2013 - Letter recieved from Nationwide confiming reciept of complaint letter 03/07/2013 - Telephone call to my mother from Nationwide asking for additional questions and for more info. As instructed by myself she refused to be drawn into converstation over the phone and requested any additional questions to be put in writing. 10/07/2013 - Letter from Nationwide with further questions (Letter attached below in PDF) My mother has answered these addtional questions honestly and to the best of her knowledge. However before she sends the letter I wanted to ask those in the know what sort of bearing a pre existing medical condition would have on a PPI claim? Should it have been taken into account when the card was applied for? My mother has never claimed on the PPI policy that was applied to the card and the card was settled in full some years ago. Her voluntary retirement was not due to health grounds and the only time off during her employment was to attend clincs or hospital appointments for her diabeties, she was never off work ill because of it. Her condition is fully managed by insulin and does not affect her daily life. She has had both cataracts done due to diabetic myopathy but the diabeties has not lead to any other medical conditions. Any advise or comments on their letter gratefully recieved Many thanks Ginge

i got a fee for some reason forget why at nationwide building society , i refused to pay on the day due to being upset about it . i did not pay it in the end i moved house this , that and the other and forgot about it tbh no excuse but there you go . its been about 3/4 years now ,i just recieved a demand for £335 from a debt collection agency . where did this figure come from , what can i do about this , sould i just pay ?

Hi! I just had an appointment in Nationwide to open a current account and they would not accept my Biometric Residence Permit as proof of identity. How is this possible??? I am non EU national and don't have my passport. I have been granted a leave to remain for 2.5 years. They want to see my passport with visa. I found out they their requirements for opening new accounts is outdated and they asked me for identity documents that do not exist any more. Is there a way to fight them because it is ridiculous? Should I contact FSA maybe? Does anyone know what to do?

Hi, does anyone have any experience with Nationwide PPI claims ?, they wrote to me saying I may have been mis-sold PPI, I filled in the form they sent and posted it back, my reasons for mis-sell where that I was covered via work and I sent them copies of all my benefits etc. I have seen on other forums that Nationwide are usually really good and turn complaints around very quickly, they are still well within the 56 working days but I got a phone call the other day from them running through the complaint form and them asking me all sorts of questions, they are obviously going through my bank account as well (they are also my main bank) as they are asking me about money coming in from a company (my husbands work) and nowhere would this have been mentioned on my loan application as it was solely in my name. The gentleman I spoke to was very nice and said I would hear within the 56 days but just wondered if anyone else had also had calls from them and them questioning you about your bank account transactions.

Hi all, i have a flex account, i have had charges totaling over £400 in the last 9 months, Now i hate DD and SO and try to avoid them and pay by cash or card wherever possible. Now i have been charged a few times for a unauthorized overdraft which is mad as ive never had one, i dont have a overdraft or a reserve limit. If i go to make a payment by card and thers no money the card declines, simple. If a DD tries to come out and thers no money it gets returned same with SO, nationwide have never honored a payment that has taken me overdrawn, So in essence i cant go overdrawn. One day a payment went in a 2am and i made a card payment at 8am, when it showed on statement it showed i made the card payment 1st then the money went in later so for x time i was overdrawn, i know i wasnt and when i tried to explain this is impossible with my account nationwide didnt give a crap, Ive also had where i have not had enough money for a DD payment to be made so thats a £20 fee and then ive been charged another £15 for having a unauthorized overdraft even though i didnt as DD was returned but the £35 in fees has taken me overdrawn to which i get another £15 unauthorized overdraft fee. Its a vicious circle and it cant be right. whats can i do. Nationwide simply dont seem to care

Ok, this is a long one, so bear with me, but any advice would be much appreciated. I called Nationwide 3 weeks ago to cancel the Continuous Payment Authority (CPA) on my debit card to which they declined, which as far as I'm aware is against the law? I unfortunately have had to start signing on again, this money goes in on a Monday. Last Wednesday (29/05) I emailed CFO Lending, informing them that I removed the CPA with them. I awoke Monday morning, to find that they had taken £160, and taken me over my overdraft limit. I am now in the process of claiming the money back,and already have some of it. But due to Nationwide's incompetence, I have been unable to eat, pay rent, and I have incurred charges on my account. Do I have any grounds for compensation? Any help would be much appreciated, thanks

Nationwide have agreed to pay back single premium PPI we had on a loan in '99. Some £2600 plus only about 4 years interest of around £500. The reason they give is that the loan was defaulted on and the debt sold off. They say that to get any more interest then we have to go after the DCA. I'm sure it's wholly their (Nationwides) responsibility and not any of the several DCA companies it's since gone through. Am I right? Thanks.

I opened an account with Nationwide about a year ago, I signed up for the cash card + account with no overdraft facility. I am absolutely rubbish with numbers and got locked out of my online banking, I have tried many times to reregister and keep getting locked out before I can log in again and have had no statements. I am only guessing but I am being charged £100 a month in bank charges, I have had no notifications of charges as all statements online which is locked out. I think I have paid £1000 in charges, but no way of accounting for them, they have been mainly charges for going overdrawn after delayed visa transactions followed by another charge for being overdrawn because the charge sent me back overdrawn. I know the high court ruled the charges are "fair" but would my case be "exceptional"? Where do I start? Thanks in advance

Hi All I received a letter from Equidebt, who are chasing a debt bought by Aktiv Kapital from Nationwide. This debt consists entirely of bank charges. I would like your advice on, 1. Reclaiming the charges 2. Scraping Equidebt and Aktiv off my back. 3. Getting the default removed from my Credit file. Thanks in advance. Shystar