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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Wescot letters re natwest.


terryduff
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After getting a letter from a dca for an outstanding Nat West debt

I sent a cca which they have said must be sent to RBS directly,

 

should I do this or avoid contact

the debt is around 8 years old possibly more and been paid through a dmp since 2006

the balance has increased by around 1200 pounds which was my Nat West overdraft strangely enough.

 

What should my next move be do I contact them with a SAR then cca or just leave it alone.

There is nothing about this on my credit file

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If the DCA is only acting on behalf of the bank, just ignore them. Completely. Deal with the bank direct for a SAR.

 

Also, i hope you arent using a fee paying DMP.

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

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I was but I have seen the error of my ways

 

So would you recommend I SAR the bank then cca request?

 

 

I also wondered if my debt management payments were always going to a dca does that mean I haven't paid the creditor?

 

 

And if thats correct would the debt be statute barred

 

 

since I've had no contact from the bank and have paid the dca rather than the creditor

Thanks

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PLease help with the following info.

 

Name of Original Creditor

Have you received a Notice Of Assignment?

Who OWNS THE DEBT Currently?

Rough Amount

Date of LAST PAYMENT received by the owner of the debt (And previous owner) and any letter acknowledging the debt

TYPE of debt? Eg credit card, Over draft, Loan, Catalogue, Phone Bill

ANY PPI or other insurances?

Any overlimit or late fees IF this is not an overdraft or current account

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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National Westminster bank

I don't know what a notice of assignment is sorry

Experto credite are collecting for RBS as my cca letter told me to contact RBS

13,500 owed which never seems to go down

I have been paying money village(spectrum) through dmp and have sent sra request to see payment detai

ls they have been paid this way for 8 years at least never direct to RBS/NAT WEST always to a dca

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Notice of assignment = a letter from the creditor and/or the debt collection agency stating that the account has been sold or assigned for collection to them.

 

 

SAR to NW now.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What type of account is this, current/current with OD/loan/Credit card.?

 

When was the last payment and/or written acknowledgment made?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I'm fairly sure it was a loan never had anything in writing from the creditor and only from dca last month payment made every month through dmc to the dca and I only had one letter off them saying they have received payment and that was last month

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Have you had any statements (at least one a year)?

 

Do you know how much was originally owed and what has been paid off?

 

Is this a paid for DMC?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Not until last month original amount has gone up but I suspect they added my overdraft to the loan but I don't know this for sure the amount owed has never got smaller I'm hoping the SAR will show what's gone on,it was paid for but not anymore

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Emm I know they state no initial fees, but I wonder what they siphon off from each payment.

 

Did MV get interest and charges stopped?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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1500 quid and you have done it all yourself or through a free DMC.

 

I would SAR MW as well I think you have paid much more in fees than you have paid off the debt!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Excellent Terry,

I hope we can help you sort this out!

 

Have a good weekend!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

I got a reply to my SAR today,

it tells me they cannot locate the information I asked for and requests further information about the accounts previously held with the bank,

 

 

this can include:

Sort codes

Account numbers

Account types

Relevant opening and closing dates

Previous names

Full address history

Date of birth

Other RBS group brands you may hold accounts with

 

This seemed a bit vague then I realised I used the expert credite reference instead of the Nat West account number

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  • 2 years later...

Hi there

 

I have received two letters from Wescot

one wants me to phone them to confirm my address

and the others wants payment of a old bar west loan

 

can anyone recommend what I should do regarding these please.

 

I had been paying through debt management from 2004 until a few years ago

then paying a different DCA directly but they started returning my payments.

 

Thanks in advance

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who was the DMP with

and have you sent everyone you are blindly paying a CCA request?

 

what is a bar west loan ??

 

a dca is not a bailiff

and have

no such legal powers at all.

 

 

I smell a cash cow here

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... 

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