Nationwide Credit Card

[Sweety200]

Re: Nationwide Credit Card

Fo you think ? On what ground ? Get so confused by the enforceability aspect of an application form as am i right in saying now the lender can just send current terms and conditions to comply under cca request ?

[Riz]

Re: Nationwide Credit Card

Nationwide can be a bit trigger happy on going for a CCJ and subsequent charging order sometimes, but sounds like they would be more than abit foolish to try in this case.

[Sweety200]

Re: Nationwide Credit Card

Hi thanks for replying. No when i went on a payment plan 2 years ago thry froze the interest. They told me nationwide only accept pp for no longer than 5 years therefore rhetvwud only accept minimum 75 a mth.which i hAve paid until last mth when i paid 50. My last cca request was 3 yrs ago. I had numerous letters back and forth challenging the validity of the ptiority application form and they confirmed this was my cca.,

[Undercover Elsa]

Re: Nationwide Credit Card

Hi Sweety, welcome to AAD!
Sorry, more questions!
Are they still adding interest to this and your other account?
If it becomes necessary to do an Income & Expenditure, I can help you with that. Sounds as if you're paying them far too much for your circumstances.
When was the last time you sent a CCA Request?

I'm so glad you found AAD, you're not on your own now dealing with these bullies.

Elsa xx

[CleverClogs (RIP)]

Re: Nationwide Credit Card

Tell them that Santa is out in his workshop, that you're Mrs Claus and you're taking messages.

When they try to persist, go into the "Have you been good or naughty this year?" spiel.

[Never-In-Doubt]

Re: Nationwide Credit Card

Rather than having some fun with the call centre mutton-heads? (link)

yea there's always that -

[CleverClogs (RIP)]

Re: Nationwide Credit Card

They have just infuriated me and to start calling me telling me they will put a charge on house has just made me so angry with them

laugh at them and say good luck & hang up.

Rather than having some fun with the call centre mutton-heads? (link)

[Sweety200]

Re: Nationwide Credit Card

Yes Any help is most appreciated

[CleverClogs (RIP)]

Re: Nationwide Credit Card

They said it was the original credit card. Apparently it was lost so they replaced with a new account number. The demand shows one number and the application shows another

Did you report it lost?

Even if it was your account, they have still failed to comply with your s78 request unless and until they supply a readily legible document containing all the Terms and Conditions at the time you entered into the credit card agreement.

If they do not comply with your request, section 78 (6) applies and they should not be able to obtain judgement in their favour until/unless they do comply. (link)

[Sweety200]

Re: Nationwide Credit Card

Is it ? Ok will do. Thanks

[Never-In-Doubt]

Re: Nationwide Credit Card

It was. Tel call. She said the options for kpr if i dont pay in full or retain the 76 a mth payment is to obtain ccj andapply charge on the house. Then she said i can pay as little or as much off the debt. They wud not force sale but when i sell they will take the debt Amount. This way nationwide have secured their debtband i can pay bak what suits me !

Write a complaint and demand that they pull the telephone call for review then because that's quite a lie and a severe breach of their regulatory guidelines.

[Sweety200]

Re: Nationwide Credit Card

It was. Tel call. She said the options for kpr if i dont pay in full or retain the 76 a mth payment is to obtain ccj andapply charge on the house. Then she said i can pay as little or as much off the debt. They wud not force sale but when i sell they will take the debt Amount. This way nationwide have secured their debtband i can pay bak what suits me !

[Never-In-Doubt]

Re: Nationwide Credit Card

Oh, they are, are they?

Is the Fundamentally Clueless Authority aware of such deceptive naughtiness?

Well they are internal to Nationwide. Whether they have interim authority or not isn't really important.

[CleverClogs (RIP)]

Re: Nationwide Credit Card

KPR are nobodies. Nationwide internal dept.

Oh, they are, are they?

Is the Fundamentally Clueless Authority aware of such deceptive naughtiness?

[Sweety200]

Re: Nationwide Credit Card

They said it was the original credit card. Apparently it was lost so they replaced with a new account number. The demand shows one number and the application shows another