Jump to content


  • Tweets

  • Posts

    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • UK travellers have been turned away at airports because their passports are not valid for EU travel.View the full article
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Merged debts by Natwest to £21k loan - THey cant find CCA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2773 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

NatWest, who combined them, a you cant do that, combine non CCA with accounts covered by the CCA

is this still paid as one to Natwest

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 months later...

Sorry for earlier misinformation,

 

 

I have come home and Moorcroft, who are administering our 'perceived' NatWest debt have sent us this letter,

 

 

I was certain I had received this back already but reveiwing records it seems it is just the SAR that I got back.

 

What next, and what does this mean?

Attached now in PDF

 

Rgds

Moorcroft No CCA.pdf

Link to post
Share on other sites

Just received this in todays post from Moorcroft declaring themselves no longer responsible for the collections on this account.

 

They have enclosed correspondence from Natwest stating they are unable to locate a CCA preventing them from 'Pursuing recovery' of the debt through the courts.

 

I have attached both letters for perusal.

 

Can anyone advise as to what we are supposed to do next?

 

Sorry admin for continuing this on this thread, please feel free to move it to a more appropriate new thread.

Rgds

Wanda

Moorcroft2.pdf

Natwest2Moorcroft.pdf

Link to post
Share on other sites

thought it smelled

 

 

I've made a new thread for this loan

 

 

have you sent them an sar

because I can bet your bottom dollar atleast 50 of these merged debts will be charges/ppi/insurance/penalty fees I bet.

 

 

when did you take the loan out please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thank you for starting a new post dx

 

These are as you say merged debts, the loan was started in Aug 2008 which now makes up £3900 of the debt, a debt from 1995 (current account) £1700 and the remainder£15,300 from 2003 also current account. The amount showing as Current Account is from a Mastercard which was linked to the account, they obviously made this an overdraft when we hit trouble.

These are the details on our Experian Credit file.

 

The SAR I submitted (x2) were returned with the postal orders and we were referred to their PPI complaints dept, after a 2 week wait they wrote to us to confirm they have no record of PPI on our account(s).

Rgds

W

Link to post
Share on other sites

Well, dont pay them another penny until they provide a valid CCA. Something they are unlikely to ever produce.

 

Basically until they provide the CCA, the 21k is legally unenforceable.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I'm loving that ethos Renegade, however, if they continue to default will this ever 'drop off' my credit file and what could the statement 'may take such actions as are legally permitted to recover the outstanding debt' mean at its worst.

 

the default date is the default debt its set in stone so after 6 years it will drop of your credit file . however they will make the history with 'd' to show account is still in default

Link to post
Share on other sites

doesn't matter what they put in the calendar section

there should be a defaulted date in the debt summary

and that I would guess should around you third short payment.

 

 

a debt vanishes from the file on the defaults 6th birthday regardless to any further updates.

and regardless to being paid or not.

 

 

the SAR's were nowt to do with any PPI

 

 

so what did you send them?

our SAR

 

 

they cant refuse it

its a legal document...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I'm loving that ethos Renegade, however, if they continue to default will this ever 'drop off' my credit file and what could the statement 'may take such actions as are legally permitted to recover the outstanding debt' mean at its worst.

 

At its worst? The only legal actions is that they can send letters asking you if you are willing to pay. Thats it :) Until such a time they produce a CCA, which from your info, would be pretty much impossible for them to do. And they know it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

yep paid or not.

 

 

they are hiding stuff which is why they skirted around the SAR reply.

 

 

the current account will be mostly OD fees and interest I bet

the marstercard I bet has PPI

and the old loan too?

 

 

ca I just check

they made you sign a new agreement when they merged everything in 2008 was it?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Think you are right regarding SAR, there were charges etc on the joint account, altough they didn't refuse the SAR they called my mobile (no idea where they got the number from) asked what info I wanted all via phonecall and I misguidedly said PPI, not sure I want to request it again though as I am quite happy at this moment in time without them delving any further.

 

We cannot remember signing a new agreement in 2008, they must have merged these debts when we entered the DMP in 2012/2013.

Link to post
Share on other sites

they cant do that

 

 

sar

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi dx,

 

Would you SAR and stop payments?

My only worry is they uncover something at this juncture.

 

I know you are not the 'I told you so types' but aren't the DMP's supposed to check enforceability/legality before setting up arrangements, not trying to pass the buck but at the time my head was not in the game.

Link to post
Share on other sites

Stop payments anyway. They havent complied with the CCA request. It is your choice though if you want to stop payments as CAG cannot condone debt avoidance. But remember, your debt is 100% legally unenforceable until that CCA request is complied with.

 

And as for DMP's, they rarely every check for legit debts. They just take your money and blindly pay. THe paid dmp's are even worse.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

not this is just it

free or fee paying DMC's don't do any checks

they just blindly pay anyone that even remotely appears to be owed money too.

 

as pointed out by NatWest themselves

they cant enforce the 'debt'

 

sorry but the bottom line here is you've been had blind by numerous companies.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

don't send that please

there is no such thing as being in default of a CCA request and sec 10 etc

is very old hat now.

not sure where you got that from

but its basis is years old.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

They wont be able to supply a CCA for this debt. Send the SAR, get reclaiming and breathe a nice sigh of relief

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...