I am still waiting for NatWest to return the SAR this has only been a week so I am not expecting it anytime soon.

This morning we received the attached correspondence in two seperate letters,

referring to an alleged loan my wife took out,

they have separated this from the larger sum they merged

and kindly added me as well,

as you know,

they are unable to provide a CCA for these alleged debts.

My concern is two fold ,

how have I been added and why has interest been added,

even though this is a small amount.

I thought when an account was in dispute everything froze.

Do I need to pen a letter?

As always any advice gratefully received

Rgds

Wanda

NWBCMS.pdf

under FCA rules

should they wish to charge interest

they must send a better than 12mthly statement.

as for if/if not its anything to do with you

if they cant find the agreement with your sig on it

tough luck on them.

ps, when someone posts on a thread

everyone else that posts gets an email alert

you don't need to send a PM.

dx

Notice of Sums in Arrears

The creditor is under a duty to provide the debtor with a notice stating that he or she is in arrears and exactly how much money is owed.

Section 11 of the CCA 2006 amends the CCA 1974 by inserting a new section - 86D - that sets out the consequences for a creditor if he fails to notify as required by sections 86B or 86C.

If the creditor fails to provide a notice when required to do so, then throughout the period of his failure (i.e. from the date that it was required to be given until the end of the day on which it is eventually provided), he is not entitled to enforce the agreement.

In addition, the debtor or hirer is not liable to pay any interest that relates to the period of the creditor or owner’s failure.

Regards

Andy

So, to clarify, no response from either of us at this time, even if they do find a CCA (which my name will definitely not be on) the added interest in the interim will be unenforcible.

Do I have to CCA request Natwest directly, I have only CCA'd Moorcroft so far and it was then that they ceased interest in the debt and informed me of the situation and forwarded the letter from Natwest to them.

Wanda

Yes you must request NW for your agreements.....asking Moorcrap for it may as well ask your milkman:-D