Nationwide Credit Card

[Never-In-Doubt]

Re: Nationwide Credit Card

Thanks will have a read. They have just infuriated me and to start callin 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.

Really, it's misleading but that's about it. You won't get far complaining sadly.

[CleverClogs (RIP)]

Re: Nationwide Credit Card

Kpr have sent a notice stating if not paid in full they will serve a ccj and charge on house.

Oh, they have, have they?

Rather than commenting on a paraphrase of their threat-o-gram - which you may have misconstrued - I'd like to know exactly what they threatened to do. Could you post a verbatim copy of their threats?

My question is they have on numerous occasions sent a copy of priority application form and confirmed thus is my signed cca. Only one side of copy, no terms and conditions, apr, etc. also application form is for a account number that was closed and demand for another account number. Pre 2007 application

Then they plainly have not complied with your request - and would not have done even if the account numbers matched.

Does the account number on the application form have any relevance to you?

Ahh this is normal for Kpr, if you try and reduce things they go on the offensive and go in all guns blazing

And, it seems, they write nonsense and threaten actions they cannot take.

[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

[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?

[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.

[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

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

Is it ? Ok will do. Thanks

[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

Yes Any help is most appreciated

[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)

[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

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.

[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

[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.,