Nationwide Default Notice (balance owing 98% charges)

[bearing]

Hi there,

 

Have just received a default notice from Nationwide current account, now the majority of this default amount is made up of charges. What is my course of action on this?

 

There are also a few things on the default notice itself which make me believe it's a little dodgy, i.e. my postal address is not on the notice (just my name) and also it gives me a remedy date of 6th March, with a letter dated 20th February and sent first class, by my calculations I should have until the 8th.

 

Anybody want to give me some ideas on what action I need to take.

 

I can upload the notice if needed.

[craigers]

dispute the balance and reclaim the charges using the updated claims letter? get it in before 6th march, ie immediately. a disputed account can't be defaulted, although they will probably do it, but its further ammo for you.

 

also, ignore the date just now. if they do default you its good ammo for removing the default.

 

if they then terminate the account it would be an unlawful recission of contract, meaning you'd only be liable for the arrears.

[bearing]

I hadn't realised there was an updated claims letter, I was under the impression that all claims for current account charges were dead in the water since Govan Law had exhausted every avenue.

 

The arrears 'are' the entire overdrawn balance.

[craigers]

how are the charges made up? charges because of charges?

[bearing]

how are the charges made up? charges because of charges?

 

I'll have to check on the exact amounts but I think I went overdrawn for a couple of days, then went back into credit. Everything after that was as you suggest charges added because the charges had taken me overdrawn. There is a direct debit bounce charge in there also, but the rest are charges upon charges.

[bearing]

Where is the updated claims letter by the way?

 

I've had a quick look but couldn't find it.

[phatram]

bump

[bearing]

Need to get a letter off today if I'm to contest this, anybody any ideas?

 

Can't claim as per the new developments as I don't have evidence of them being misrepresented.

[ebonym]

Hi - you need to say which bank you're with as maybe someone might have a letter from the same bank as you giving you the ammo you need. Good luck!

[bearing]

Cheers, it's Nationwide.