Nationwide QY code.

Nebulous2

I took out a Nationwide account and credit card around 18 months ago. I spent a lot of money on the credit card and have been paying it in full every month since the 15 months 0% ended.

I'm in dispute with Currys over a purchase and have started the small claims procedure, though papers haven't been served yet - so they don't know that. (Scotland) I sent a section 75 claim to Nationwide along with a copy of the letter before court claim around a month ago and they have not responded in any way whatsoever.

I've just got my new Noddle report and it is still showing a green circle with a UC code in it, whilst underneath it is a QY which says Query account under review. I've paid my disputed bill in full and continued to spend on the card.

What does that mean? Is there a risk Nationwide will close my account, simply for claiming my Section 75 rights?

WhyNot?

Nebulous2 wrote: »

I took out a Nationwide account and credit card around 18 months ago. I spent a lot of money on the credit card and have been paying it in full every month since the 15 months 0% ended.

I'm in dispute with Currys over a purchase and have started the small claims procedure, though papers haven't been served yet - so they don't know that. (Scotland) I sent a section 75 claim to Nationwide along with a copy of the letter before court claim around a month ago and they have not responded in any way whatsoever.

I've just got my new Noddle report and it is still showing a green circle with a UC code in it, whilst underneath it is a QY which says Query account under review. I've paid my disputed bill in full and continued to spend on the card.

What does that mean? Is there a risk Nationwide will close my account, simply for claiming my Section 75 rights?

Sorry, I don't know the answer to your question, but you don't usually sue both Currys and make a claim via the credit provider.

Personally I'd go after Currys, as they are still trading and presumably have the funds to settle your complaint if judgement is eventaully awarded against them, and most importantly, because they are who you are really in dispute with.

S75 really is there to cover such eventualities as the original supplier is not contactable or gone out of business. In this case, if you pursue the matter against the credit card provider, they will call currys to give evidence to dispute your claim anyway (assuming currys plan to dispute it, which presumably they will as you are already discussing court action against currys)

Not sure where you have got to with the card provider? Are you pursuing legal action against them, or simply made a complaint to them at this stage? The advantage of a complaint lodged is that it won't cost you anything and the credit provider may support your point of view (and so convince currys accordingly)

If you really want belt & braces approach, you could sue both parties, but you should do so as a single action brought against both of them, jointly & severally.

Refer to your credit card agreeement as to what powers they have to close your account (such powers will be stated within the terms you agreed). You'll almost certainly see they can close your account anytimne they want and without any resaon (subject to notice). If you start taking legal action against your card provider, they may well rely on this term, either citing irreconcilable differences arising, or probably not giving any reason at all.

As you are going down the credit card route, you presumably have already made a complaint. If the outcome of that is not what you feel is correct, then ideally you should go to the independent ombudsman before considering court action and see what they say.

Nebulous2

My question was about the credit file and why a row of green dots has become a UC and a QY. I'm trying to get an idea of what is likely to happen next - partly because I could transfer my bank account from Nationwide if they are going to be silly beggars.

I have a thread already about my dispute with Currys. My dispute is primarily with Currys, Nationwide have just been caught in the crossfire.

Initially I wanted Nationwide to do a chargeback, but they were quite unhelpful with that and demanded I complete a claim form and a claim handler would get back to me. By that time I was ready to send an LBA to Currys so I copied Nationwide in and sent them a section 75 claim form at the same time. I gave 14 days to reply, it has been over a month with no response from either so I have completed the court papers and submitted them to the sheriff clerk. Its a single action with Currys and Nationwide as joint defendants.