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KPR and NationWide Credit Card & OverDraft Debt help


jamiemate77
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Hi

 

ive recently been having trouble with KPR due to nationwide credit card and an over draft,

 

can someone help me with a letter to get them off my back,

 

im fully prepared to go into a plan when im working,

but as i have temporary work at the moment its hard to stick to a proper plan,

 

however if i word it right they may be able to stop trying to send me letters with my final notice before court action.

 

The biggest problem is facing the fact they are demanding over 100£ payments in order to wipe the collection,

which i can barely afford £20 at the moment.

 

I also have to personally go into nationwide to pay the money into my account when i have it.

 

They ring my home non stop and constantly barrage me with letters,

but they ring they ask me alot of personal stuff and demand that i pay it

but i have told them i barely work but its still something.

 

Im not asking them to cancel the debt,

its just i cant magically make money appear to pay them back a reasonable amount.

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If they ring again, laugh and hang up, seriously! And keep doing it until they get the message.

 

You MUST make a formal complaint using their complaints procedure (The bank that is)

plus I am pretty sure KPR are in fact NW in house parasite debt collectors.

 

Send the clowns this http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone

 

Every single time they ring in future laugh and hang up,

go through your phone providers malicious calls procedure if they continue once you have sent the letter.

You can send it 2nd class, but obtain proof of posting which is free from the PO counter.

 

When did you take the credit card (CC) out and how?

 

How much of the overdraft (OD) is the banks fees and charges?

These can be reclaimed using the hardship route.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi okay

i will send them this letter,

 

the bad thing is my mum and dads house they ring, and im not in whenever they ring,

my mum and dad are seriously ticked off with me and them too.

 

I took the credit card out over a year ago, and its around £2000

 

so where i could not keep up with the payments they decided to default it then ask for it back before the year of 0 interest was up,

 

the over draft is £200 and i payed £20 under a month ago which they have probably added charges too

and demanded over £100 saying £20 is not enough.

 

I would say alot of it is charges from nationwide that got it there.

 

Initially i had a ban on an over draft

then they magically took it away

and let me spend money when they wasnt supposed too.

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yep KPR are nationwide in house DCA.

 

i'd take this route for both debts....

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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