Court Action Now

[KPRHERO]

So I originally got involved with a bank recharge company over a nationwide debt and trying to reclaim charges.

 

Around the time the whole bank charges thing kicked off I aked Nationwide to cancel a DD, they didn't do so, and I was charged, they refused to refund it, and said they couldn't find any paper work to validate my claim.

 

I told them (thanks to the advice of the original company) that the charges were illegal and I would not be paying it as they refused to be reasonable about paying back the debt I couldn't afford. I told them that the account was in dispute until such time as the charges were argued in the courts.

 

They then opened another flex account for me, and said whilst the bank charges were being debated in court I could use the other account. They then decided to continue adding charges until it was over 500.00.

 

I went back to the bank and told them that it was wrong of them to charge me whilst waiting for the decision as it was being dragged out by the courts, and they agreed to stop the charges and put the claim on hold until after the court case - I have the letter for this, two in fact.

 

I then heard about the hardship fund and tried to apply for it via the bank, but they refused it and basically were totally out of order in the way they treated me.

 

I then received a debt collection letter, they had refered me to a debt collection agency, even though I had told them the account was in dispute, and they wouldn't try to collect on the debt.

 

I spoke to the debt collection agency, who after a bit of arm twisting behaved quite reasonably and went back to nationwide, I then eventually got the reply that they would not try to persue the debt until after the court case.

 

My response to them, was that the debt was in dispute, and twice I said if Nationwide wish to recover any money then they are to take me to court for the money, as I don't believe the outstanding monies is a fair reflection on what is owed. I even said this to Nationwide before the debt collection letter, I had said it all along to be honest.

 

Now I suppose my question is, can a debt collection agency continue to ask for money when I have told them to tell the people they are acting on behalf of to take me to court, and if nationwide refuse to take me to court, can they then keep forcing debt collection upon me?

[vjohn82]

Here's what you should be reading

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

Then construct a letter based upon the points you feel are relevant in the guidance.