Gass V Nationwide

[GASS]

Hello All

 

Firstly I had a flexaccount with Nationwide which had overdraft on. Out of the blue Nationwide cut it by 100 saying I had not used the account and then systematically charged me 20quid each month plus interest for being over the remainder of the overdraft.

 

I have received letter today saying they are removing all of the remaining overdraft and still charging me. They have sent my account to a company called KPS, I have not been informed of this and I so consequently am getting bombarded with letters from both Nationwide and KPS.

 

Little background - hubby's business suffered greatly in 2008 and we deceided to take out an IVA in 2009, to be perfectly honest I had forgotten about this account with Nationwide othrwise wuld have put this in the IVA too.

 

We are not in a good position financially and I am finding it hard to deal with this side of things, suffering with depression sleepless nights and struggling with work too.

 

May - received statement from Nationwide saying 258 overdrawn, this is made up partly or overdraft facilitie and part charges on unauthorised overdraft.

 

May - letter from Nationwide asking for full balance overdraft to be repaid, no time limit, but stating they will register a default notice and ask KPR to recover amount. I have double checked paperwork and cannot find a DN.(!)

 

June - Formal Demand for Payment from KPR, balance is now 282.81

 

17th July - Letter from Nationwide - review of overdraft facility, withdrawing the full overdraft of 200.00 on 13th August and to bring account into credit.

 

20th July - Final notice from KPR asking for full amount to be repaid, now a priority case and will be sending to debt collection agency.

 

I sent them a letter asking them who they were (type of provie it letter I suppose) Resons was they are acting on behalf of their client blah blah blah

 

12th August - letter from Fredrickson International Limited, Immediate payment required, asking for full payment and to contack them immediatley.

 

Letter from Fredericksons International and low and behold a yellow card in an envelope stating CONFIRMED RESIDENT at the top.

 

Okay yesterday I have now received a letter from solicitor, PLEASE CAN SOME ONE ADVISE THE BEST COURS OF ACTION, This is being passed from agency to agency and I am getting in a real tiss about it.

 

Do I respond directly to Nationwide and offer an amount each month, bearing in mind financial difficulties Do I try and get the charges back that they have added to the account??

[GASS]

Help !!