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Nationwide credit card now ARC Europe


jamiemate77
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Hi all i need advice on how to tackle this 2195.00 credit card with Nationwide. It has now gone through various places and ended up at ARC Europe. They are now issuing court proceedings and i wish to send them a letter which tells them i cannot afford to pay more than £1 a month. I'm currently going to college whilst living at my mum and dads which is a pain from all the phone calls and letters. I am barely working and havnt been in receipt of JSA as i'm at college and also i struggle to get one day a week work with friends or family right now. This has been on going for probably over a year now however ive not been financially stable since. Thanks all.

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Hi,

 

Some history of the Card would help, how old is it, any charges or PPI, has it been defaulted and does it show on your credit file.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Hi its about a year and a half old, i have no clue if its defaulted or not however my guess it has as i have received letters off nationwide through time but been unable to come to an agreement since its been through about 5-6 different companies since.

Its had charges added on through time as well but no ppi.

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Have they only threatened to issue court proceedings at this stage ?

 

You can send them the letter in the link below

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387358-Request-to-make-£1-token-payments-for-X-Months

 

If you are receiving telephone calls to your Parents home, then your Parents will need to send a letter asking them to cease and desist as it is their telephone and not yours.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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OK confusing

 

WHO is writing to you. Is it Nationwide or is it someone else?

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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