I'm a bit confused - Nationwide Credit Card

[TX213]

Well very confused really.

I have a Nationwide Credit card that is in default and I have been making regular payments for a while.

Nationwide Recoveries have recently called me to say they are intending to get a CCJ and charging order on my property. Unless I pay a "discount on outstanding balance without prejustice" with an approx. 30% reduction on my outstanding £7k owed or agree a monthly payment to pay it off within 60 months (the full amount I think)

I took out the credit card in 2011 and would imagine their paperwork is all above board so if they do decide to go down the CCJ route will I have any way of avoiding/defending against it?

[Amethyst]

Re: I'm a bit confused - Nationwide Credit Card

When you say making regular payments do you mean under an arrangement DMP or been paying the minimum payments?

[TX213]

Re: I'm a bit confused - Nationwide Credit Card

I sent and income and expenditure statement to them last July, (along with all my creditors) and I've been paying them £6 per month since negotiated by myself.

I was served with a default notice in July last year.

[TX213]

Re: I'm a bit confused - Nationwide Credit Card

So I was just wondering if I if will be able to avoid a CCJ if they go after one as the credit card is so recent.