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Nationwide Gone Quiet Ssssshhhhhh

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Ola, I Had A Nationwide Credit Card, And I Cca'd Them, They Cashed My Cheque For £1.00 And Wrote Back To Me A Few Weeks Later Saying They Had Lost My Agreement And Credited My Account With £5.00 To Which I Stopped Paying. I Wrote To Their Cusotmer Complaints Team And They Persisted In Their Debt Collection. They Even Sent A Man To My Door With An Emforcement Letter... Then All Of A Sudden Nothing.... Not A Word.... Been 5 Months Now And Nothing.... Now Heres My Predicament. Do I Disturn The Hornets Nest And Write To Them Asking For My Default To Be Removed (afterall They Can Not Prove I Agreed To Them Sharing My Info) But That May Set The Collectors Off Again. Or Do I Keep Quiet???? Also If Anyone Can Help Where I Go About Claiming Back The Interest They Have Charged Over The Years When They Did Not Have An Agreement??? Surely That Comes Under Demanding Money By Menaces (pay Up Or We Will Visit You Are Harrass You And Take You To Court) When I Had Not Agreed To Anything?!?!?!?! Any Suggestions...

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Without the agreement then they're going to have a hard time enforcing it (need more info to be certain of this), however re the default it depends what your plans/needs are in terms of applying for credit.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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