Help Needed please - KPR Debt Collection for Nationwide

[jcsmum]

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

Edited August 12, 2013 by jcsmum

[Bazooka Boo]

The majority of their letters are spat out by their computers, however their continued ignorance of your instructions to send their missives to you would be my first issue and complaint.

 

They do not dictate to you what you pay, YOU TELL them what they will receive, they can either like it or lump it!

 

And for their continued ignorance I would round the payments down to £10 a month.

Unfortunately they don't care about customers loyalty, your Father is just a number to them.

 

Have you done all the usual CCA requests and claimed back their fees and charges?

[jcsmum]

Thanks for your speedy reply!

I haven't done a CCA because he only applied for the card in Feb 2011

and still has all the copy application papers that he was given by the branch.

 

There is a section that states their charges as £12 respectively for exceeding the credit limit or returned payments and he hasn't done either of those.

 

I assume that the "previous correspondence" they refer to is previous letters on Nationwide headed paper rather than from "KPR".

 

What should I do about the fact that he hasn't had a Default Notice that they refer to?

[dx100uk]

KPR are nationwide in house dca.

 

can you redo your PDF attachments

 

they contained pers info.

 

dx

[jcsmum]

Couldn't see the personal info (I must be having a moment!) but have removed the attachments from the post now, sorry!

[mr_mastiff]

Have they acknowledged your right to act on your parents behalf

Edited August 12, 2013 by mr_mastiff
more needed to be added

[jcsmum]

Yes they have (they've had a signed authority) but they still send things to him anyway

[mr_mastiff]

jcsmum, I believe you must write a letter of complaint to the compliance officer of KPR stating that their continued harassment of your father, contrary to both his requst and your written instruction to them are a clear breach of OFT

guidelines. You must insist that all correspondence in relation to this matter must be sent to you. If they do not desist from their harassment of your father you will make a formal complaint to the OFT>