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    • OK, relenting on my above irritated post ... It's worth defending it.  At the very least they are likely to offer a deal. Plus  PE have added two completely invented amounts.  The £100 charge has morphed into £125.  Then they've added £50 legal representative's costs although they have no legal representative.  Even if it went all the way to court and you lost, the  judge would likely disallow the made up £25 + £50. Please fill in the sticky as dx asked. Then dx will be on with details of how to defend.
    • Quite interesting that the Conservative East Midlands  Mayor candidate doesnt mention conservative on his promotion LOL   but he does claim that he, a Conservative politician, is the man to fix the 14 years of Conservative devastation of the region - inc 'fixing' problems inc the utter devastation of the roads, bus and train services that his party have  imposed   Must all rotate around the meaning of fixing he actually means .. fixing noun dishonest activity to make certain that a competition, race, or election is won by a particular person:   .. or perhaps he just means 'fixing' - preventing change
    • Yes, absolutely normal for them to waste everybody's time and money by asking for more time – which they are entitled to do, of course – but it is simply a waste of time. They use prepared template defences. They know they are in the wrong but they simply want to make your life tough because they don't care about you. However do keep an eye out. You never know there is just a 1% chance that they could miss the deadline in which case you should apply for judgement immediately.
    • Will check back in when the SAR from MCB is back and get advice on how to raise the formal complaint and what to say x
    • With the best will in the world stop being an idiot.   Feeling bad because of a soulless entity that couldn't give a **** about you.   Life happens, it's how we move on.   SAR to MCB. Once info is back, raise a formal complaint.
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Nationwide credit card


chrisphilip
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Straight to the point where going through some issues with money

Wife works and now is pregnant I lost my job while ago.

 

issue credit card missed few payments owe money.

Nationwide are saying they wont accept the offer we have made to pay the money back.

Now we have Nationwide bank account with overdraft.yes we have an overdraft money is paid in every week and month so running well.

They said to me on the phone they will take the overdraft away and can take any money going into that account to clear my credit card account.

My question is can they do that?

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The short answer is YES, they can 'offset' money going into your account to pay whatever other accounts you might be unfortunate to have with them.

 

The best answer is to open up another account, with a completely separate banking group whereby they won't be able to dip their grubby mitts into it and take what they like.

 

As there are no ethical banks left anymore, your choices are pretty limited, but don't feel at all obliged to stick with the same one out of some kind of misguided loyalty, your just a number to them, regardless of how long you may have banked with them.

 

Kick them into touch, protect your income first.

 

Nationwide have no say in the matter as to how much they can & can't accept, they WILL accept whatever you offer end of.

 

Keep everything in writing, NEVER deal with this over the phone.

 

How long have you had the CC?

When did you take it out?

How much of the balance is the banks fees and charges?

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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