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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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I was very seriously ill and the debts defaulted because I was made redundant on medical grounds with a brain tumor.

 

The debts have caused me to have serious anxiety to the point that I am now agoraphobic.

 

I am scared of these companies and what they will do to me.

 

I couldn't cope with the letters and phone calls starting again....

 

seems to me that you've been duped on all your debts

 

sadly that's what happens where you are scared of them.

 

now you know.

 

dx


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Wow ok....this helps. Nationwide was a personal loan not a bank account. Lloyds was a bank account

 

yes its getting confusing now

 

why don't you start a thread for each debt in the named bank forum

off the main forum tab top left

 

dx


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Thank you so very much for all of your help.

It still feels like a minefield but I will make a start on all of it.

 

I will send a CCA to Idem for M&S and Nationwide personal loan and also the 2nd default needs a letter to Nationwide compliance manager.

 

I will go and try and search the site for templates for the default and start the CCA for the others.

 

Thank you again you have been an amazing help :)

 

Will do thank you

 

I wonder if anyone could help me.

 

I have been issued with 2 defaults on a Nationwide Personal Loan account.

 

One was in 2007 and one in 2013.

 

My understanding is that they can not issue 2 defaults on the same account.

 

I have been advised by the site team to start a new thread on this.

 

The site team told me I would need to write to Nationwide's compliance manager,

 

can anyone give me a letter template?

 

Also should I raise a CCA on this account?

 

I am very new to all of this and the debt has caused me really problems with anxiety

I am scared to move forward but the thought of a life with this hanging over my head is also not appealing.

 

I am looking to write a letter to Nationwide as they have put 2 defaults on the same account.

 

I have found the following letter but I wonder if someone would check over it for me and tell me if it is correct.

 

Also does anyone have the correct address for the Compliance manager at Nationwide that I should send this too?

 

Dear Sir or Madam,

 

FORMAL COMPLAINT UNDER YOUR CONSUMER CREDIT ACT 2006 COMPLAINTS PROCEDURE

NOTICE TO CORRECT DATA UNDER DATA PROTECTION ACT 1998

 

I note that you have 2 defaults registered against me in relation to account xxxxxxxxx originally issued by Nationwide Trust. This is against the guidelines issued by the information commissioner, and is an unfair practice.

 

Please take this as a request to correct data under the Data Protection Act 1998.

 

Please send me a copy of your complaints procedure as required by law, with acknowledgement of this formal complaint.

 

Yours Faithfully,

Edited by dx100uk
merge

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just to clarify for readers

 

BOTH the defaults were issued by Nationwide themselves

 

and the debt is still owned by NW


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Hi, Are both these entries under the Nationwide name or is one in the name of a debt purchaser/DCA?


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On Noddle there is only the 2013 default showing and that is in the Nationwide name.

I have the paperwork for both defaults and they are both from Nationwide

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Ok you need to check Equifax or Experian (both have 30 day free trials).

My guess is you may have two default notices possibly with different dates, but NW have in my experience have sent two separate DNs to make sure that at least 1 is read by the account holder.

 

 

So you will have only on entry on CRA files.

 

 

If there is more than one entry on CRA files a simple letter to the Data Controller at NW is all that is needed to request the removal of one entry.


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I have a Default Notice dated 8th December 2007 so this is no longer showing as it is over 6 years old.

The account is still not paid so they have issued me with another one dated 16th May 2013 which is showing on my CF.

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Gilly, I have answered on your other thread but, the situation appears different on this one.

 

I guess that what has happened here is that you remedied the first default and NW did NOT register a default on the account and did not report to CRA files which is all normal.

 

Then when payments failed NW defaulted the account and registered it with CRAs so only one entry will appear on the files.

 

Simply the issue of a DN does not mean a default has been put on credit files.

 

Gilly can you please keep to one thread on this.

 

Yes you may have a DN but that does not mean that a default was actually placed as you say in the other thread you remedied the default so NW would not have reported to the credit files.

 

You will see on the other thread a fully explanation you have only one entry on credit files.

 

I will ask the site team to merge the threads.


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Sorry about that, it is because I am new to this.

 

The account as far as I can recall did not get fixed until after the DN in 2007 was served.

 

I will need to look back at my statements but I am pretty sure it did default

then I brought it back into performing a few months later..

 

.. Does that mean they maybe cancelled the first DN?

 

Also the account was defaulting since 2011 but they served the DN in 2013..

 

.I kind of need to get this fixed as otherwise I have another 5 years of this nightmare :(

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Yes as said getting a DN does not mean the default was placed on the account and/or reported to the CRAs.

So only one default is showing on CRA files.

A SAR to NW will get you all the data on this.


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Ok I will raise a SAR

 

....what should I be looking for to see if the original DN was served?

 

Thank you for your help with this.

 

Also if the 2013 DN is correct would I maybe have a case for asking them to change the date to reflect when the account actually went in to DF?

 

Thank you for your help in this,

 

my apologies for being dumb

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Ok I will raise a SAR....what should I be looking for to see if the original DN was served? Thank you for your help with this. Also if the 2013 DN is correct would I maybe have a case for asking them to change the date to reflect when the account actually went in to DF? Thank you for your help in this, my apologies for being dumb
.

Yes you will be looking to see if the first DN was followed through, but if it was not then the 2013 DN will stand.


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Ok I will raise a SAR and come back to you when I have the information.

I am pretty gutted that I now have another 5 years to wait till I can clean up my file,

I hate that they have penalized me for being ill, it is very unfair.

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Two threads merged


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If the 2013 DN does stand would I have a case for asking for it to be backdated to when the account DF the second time? It would have been in 2011

 

I have had a look through my paperwork and the account defaulted in February of 2011.

 

However I reclaimed PPI and they put the money owed to the account reducing the overall debt.

 

Also they said that some of the PPI would count towards monthly payments and as such the account came out of default for a number of months but closed 2011 in default again.

 

The date of the second default notice and the one that is on my CF is 06/02/2013 on the credit file but on the Default Notice the date is 16/05/2013 with the date set to fix the arrears by 05/06/2013....

 

Then there is the issue of the first DFN from 2007.

 

So I will raise a SAR today but I just wanted to give this update and see what anyone thought.

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Hi, an update on this.

 

I raised a SAR and I am still waiting for it to come back (today is the 40 day point)

 

however, I have looked at my credit report today via Noddle and this account has disappeared!

 

Do you think they have realised their mistake?

 

I have raised a dispute via Noddle which I know they are looking into.

 

Do they take disputed accounts off your file until they can check or has this been removed altogether?

 

I want to get excited that this has now been removed but I am concerned I am being premature..

 

..any advice as always would be most helpful.

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The default notice date is Not the date that the actual default is placed on an account it may be some time later.

 

 

The default notice date and the default date are not the same.


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Hi, thanks for responding.

Yes I understand that the two are not the same thing However it was 2 defaults one in 2007 and one in 2013 for the same account.

I raised the SAR to see if the 2007 Default notice was served and I am still awaiting the paperwork...

.however on checking my credit file today the account has disappeared...

so my questions are: have they realised their mistake or has the CRA removed the account as I have disputed it with them?

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Was the first default notice followed through and did a default entry appear on credit reference files?

If so what was the default date showing on the files then.

 

 

There is some confusion here post # we have the account "defaulted" in 2011 and " out of default" and back into default after some months, and the "original" DN in 2007.

 

 

I'm guessing here that none of the earlier DNs were followed through probably because of PPI reclaim payment and that the account was properly defaulted in 2013.

 

 

Also Noddle is not always reliable and seems often to be out of date, because it uses 2nd hand data from its parent call credit.


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Ok sorry for the confusion hopefully I can clarify:

 

Checked CRF and saw that Nationwide had posted a default for 2013 for an account that I couldn't pay from 2010 onward.

 

I recalled that I had already got a default from them and

 

when I looked about the forum I saw that they could not file to DFN against the same account.

 

I found the paperwork for the notices however I was still not sure if the 2007 DFN had been served so I raised a SAR.

 

The SAR is due back now (today is the 40th day).

 

Up until 3 weeks ago Noddle was showing the account with the default date of 2013.

 

Today the account has disappeared from my file.

 

I raised a dispute with Noddle regarding the default dates and they are investigating.

 

My question is,

has Nationwide made a mistake, and the 2013 default should not be on my file and have removed it,

or has Noddle just taken the account off my file while they investigate?

 

Not to worry if nobody knows the answer,

I am sure all will be revealed with the SAR.

 

Thank you as always for your input and advice it is really welcomed and helpful

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As said the DNs are not defaults just notices that the account may be defaulted after a certain date if the situation is not remedied.

 

 

You can ask Noddle why this has been removed, personally I would check Experian and or Equifax to see what data the hold.


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I have got the SAR back and there are 4 default notices that have been sent to me.

 

I have never received a sums in arrears notice before but just last week I finally got sent one...which I thought was odd.

 

the first default for 2007 said I had to bring the account back up-to-date by a certain date,

the statements after this show that the account was still in arrears but that I paid an extra £50 a month towards the arrears

whilst still paying the monthly agreed amount.

 

The other DFN are from 2010 till 2013 when the account completely defaulted.

 

The default on my CF is 2013.

 

Now I appreciate that I need to have the DFN however what I find unfair is that the clock has only started counting down since last year when the account has been in default since at the very latest March 2011.

 

Can I do anything to get them to change the default date?

 

Also if I was served a DFN in 2007 I can't see anywhere whether this notice,

or any of them for that matter, were ever served on my CF....

 

Because the DFN is supposed to fall off after 6 years I have no way of knowing if it was served.

 

However I got car finance in 2009 so I am thinking that is wasn't.

Edited by dx100uk
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Hi,

 

 

As you paid extra on top of the required payments the creditor did not default the account at that point, ( a fair and reasonable decision)

however when you failed to continue the agreed payments a further DN was issued (again correct procedure)

 

it would appear from what you say that the account was brought back to an agreed level between 2010 and 2013 and the once again broke down and a default was finally placed and recorded on CRA files in 2013.

 

All previous default notices are of no consequence now, the creditor has finally decided that the contractual " relationship" is not recoverable and had placed the default.

 

There is no reason what so ever in this situation for the default to be back dated.

 

If the terms of a DN are met by a debtor to the satisfaction of the creditor a default is not placed and not recorded on credit reference files.

 

Not what you wanted to hear I know but that is how it stands.


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if the account has gone from the CRa file

 

I would suggest the accounts original default has run its course

and it & the Account have now been removed under the ICO guidelines.

 

wont matter how manymore DN's they issue

 

its gone ..end of it causing you Credit issues

 

though the debt of course still exists.

 

dx


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