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    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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natwest summons for joined overdraft and loan


tedney
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Hello, I have looked at various posts on here to obtain some guidance and have some questions!

 

This is the situation:

NatWest ignored my written correspondence,

and served a Default Notice in December 2007 for a joint (with my wife) current account.

 

They continued to ignore written correspondence, and issued a CCJ to my wife (without prior advice)

in March 2008 and to me in May 2008.

 

Their claim included the "standard" court interest under s.69 at 8%

and charges for solicitor The overdraft was around £5200.

 

Their claim was for approx £5200, plus interest and costs Of this approx £3,200

 

we found to be their unlawful charges and interest,

so we counterclaimed for this,

and both cases (mine and my wife's) are currently stayed pending the outcome of the test case.

 

We have recently received a

"Terminated Overdraft Notice" sent from Natwest

"In compliance with the Consumer Credit Act 1974 because you have failed to make required payments"

in which they indicate added interest (without a rate quoted) which provides a balance of over £5,800.

 

I have continually kept the bank informed of my financial status,

and I have even had a third party agent write to the bank prior to their issuing of the Default,

all of which were ignored.

 

I am making regular payments in line with the amounts agreed with the third party agent.

 

My questions are:

1. Is it relevant for me to obtain a copy of my original Credit Agreement?

2. Can the bank keep adding interest, even after the issuing of a CCJ?

3. Should I respond to this notice in any way?

More info can be provided!

Thanks in hope someone can help us!

Tedney

 

Hello, Any chance of some help please?

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1. Is it relevant for me to obtain a copy of my original Credit Agreement?
Not really as for an overdraft the agreement would simply be a letter from the bank.

 

2. Can the bank keep adding interest, even after the issuing of a CCJ?
The CCJ hasn't been issued. A county court claim has been issued but no judgement made as your claim has been stayed. They shouldn't really be applying interest or requesting payment as the claim is at court.

 

I am making regular payments in line with the amounts agreed with the third party agent.
Why are you making payments if the balance is made up of charges and interest levied on these charges and the case has been stayed?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thank you for your response Rory32.

To take the points you mentioned:

 

 

1. Is it relevant for me to obtain a copy of my original Credit Agreement? Not really as for an overdraft the agreement would simply be a letter from the bank.

 

But the bank are sending me "official" docemnts quoting the Consumer Credit Act 1974

"This Notice is given in compliance with CCA" "

We are sending you this notice because we are obliged to do so under the act"

 

2.The CCJ hasn't been issued.

A county court claim has been issued but no judgement made as your claim has been stayed.

They shouldn't really be applying interest or requesting payment as the claim is at court.

 

Unfortunately I do not have a scanner, so cannot scan document,

but "Notice" shows added interest, and two only of monthly payments, and the following relevant (?) phrases:

 

 

"If you have difficulty repaying your overdraft, please contact us if you have not already done so to discuss repayment"

(Of course I have contacted, and am repaying that which is not contested charges).

 

 

"THis notice does not give detials of missed or partly made payments previously notified whether or not they remain unpaid"

" You may have to pay default sums and interest in realtion the missed or partly made paymnets indicated above in addition to any default sums and interest already included in this notice.

 

 

Please contact us if you would like further details"

 

 

It also refers to an Office of Fair Trading Information Sheet,

which was inlcuded with the notice,

which they aprticularly refer to "their(sic) right to charge interest,

and about applyng for a Time Order.

 

3. I am making regular payments in line with the amounts agreed with the third party agent.

Why are you making payments if the balance is made up of charges and interest levied on these charges and the case has been stayed?

 

There is a net balance,

excluding charges and interest,

left on the account,

which is closed.

 

 

It is this balance that the payments are hopefully

(although it doesn't seem like it, as the NWB is still adding interest!) reducing!

I though it best to maintain payments, so the court can see my intentions.

 

The notice also shows a "Formal Demand Expiry" balance, which they have used as an opening balance for the notice

 

Rory32 Sorry for format of my response, I am not yet used to how to show "quotes" from other posts. Apologies!

 

Hello again

I shall try and post a little clearer! Sorry.

 

1. Is it relevant for me to obtain a copy of my original Credit Agreement? Not really as for an overdraft the agreement would simply be a letter from the bank.

 

But the bank are sending me "official" documents quoting the Consumer Credit Act 1974 "This Notice is given in compliance with CCA" "We are sending you this notice because we are obliged to do so under the act" Is this relevant please?

 

The CCJ hasn't been issued. A county court claim has been issued but no judgement made as your claim has been stayed. They shouldn't really be applying interest or requesting payment as the claim is at court

 

I understand that claim is stayed.

 

 

Unfortunately I do not have a scanner, so cannot scan document, but "Notice" just received shows added interest, and two only of monthly payments, and the following relevant (?) phrases: "If you have difficulty repaying your overdraft, please contact us if you have not already done so to discuss repayment" (Of course I have contacted them, and am repaying that which is not contested charges). "This notice does not give details of missed or partly made payments previously notified whether or not they remain unpaid" " You may have to pay default sums and interest in relation the missed or partly made payments indicated above in addition to any default sums and interest already included in this notice. Please contact us if you would like further details" It also refers to an Office of Fair Trading Information Sheet, which was inlcuded with the notice, which they aprticularly refer to "their(sic) right to charge interest, and about applyng for a Time Order.

 

Should I just ignore this notice, or do you suggest a response please?

 

Why are you making payments if the balance is made up of charges and interest levied on these charges and the case has been stayed?

 

There is a net balance, excluding charges and interest, left on the account, which is closed. It is this balance that the payments are hopefully (although it doesn't seem like it, as the NWB is still adding interest!) reducing! I though it best to maintain payments, so the court can see my intentions.

The notice also shows a "Formal Demand Expiry" balance, which they have used as an opening balance for the notice.

 

I hope the above is clearer, many thanks for help so far.

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But the bank are sending me "official" documents quoting the Consumer Credit Act 1974 "This Notice is given in compliance with CCA" "We are sending you this notice because we are obliged to do so under the act" Is this relevant please?
The notice would have to state that. However the 'agreement' has part V (form and content) exemption from the Act, which is why a letter from the bank stating the amount of the overdraft, APR and charges, etc. would be the agreement.

 

Should I just ignore this notice, or do you suggest a response please?
Is this just a notice of sums in arrears or a default notice?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hello rory32.

The covering letter, and the notice, is headed "Terminated Overdraft on ac**** number xxxxxxx.

 

The letter says

"we are aware that you may have already been in contact with us regarding your situation or to arrange a repayment plan.

We are sending you this notice as we are obliged to do sounder the Consumer Credit Act."

 

They issued a default notice in January 2008.

They took me and my wife to court in March and May 2008.

We are counterclaming charges.

Thanks again.

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Just file it under ignore then.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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OK thanks very much

 

Can anyone help please?

 

I have a "terminated overdraft" (their words) with natwest.

 

I was sent a Default notice in January 2008.

 

Since July 2007 both I and the CAB have written to them.

 

Effectively, most correspondence has been totally ignored.

 

They issued a claim in April 2008.

 

I counterclaimed, and this action is now stayed pending the OFT ruling.

 

In December, and again today I have received a document from natwest which states

"This Notice is given in compliance with the Consumer Credit Act 1974

because you have failed to make required payments"

 

These two documents are the first of their type I have received.

 

Does this mean that, if not have been recieved before,

that natest were in breach of the act by not sending such documents before?

 

Additionally, the first notice indicates a balance outstanding far in excess of the court claim,

 

Can natwest keep increasing (with interest) the debt,

even though the the total as indicated in their claim is in dispute?

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Update:

I have now received a further "Notice", this one is different from the first.

 

 

The first one indicated an "Amount of Last Two Payments" which is the debt according to NW (including disputed charges and interest) and additional interest they added after the overdraft was terminated (Jan 2008).

 

 

The current notice does not include this total figure, merely showing "last two payments due" which, I assume is their interest charges, and details of my last two monthly payments.

 

Why do you think that these forms, with covering letters, are now being sent, even though they have issued a claim please?

No letters or forms have been received from NW since September 2008 until their first form in December?

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They are sending them because the Consumer Credit Act has been amended and they are now required by statute to send you a notice of sums in arrears.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Tedney,

 

This is what i got today from those ********

 

http://i222.photobucket.com/albums/dd235/womble1988/img163.jpg

 

Page two has interest charges on it.

 

 

 

It is probably the same as what you have got.

 

Just more charges thrown at us!

Edited by womble72
my account no on there
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Yes. What they are now legally obliged to send you is:

 

Notice of sums in arrears, including an arrears information sheet, within 14 days of the debtor going into arrears; and

 

A notice of sums in arrears at six month intervals for the duration of the period that the debtor remains in arrears.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hello Womble72, Yes you are correct, exactly the same documents obviously amounts vary!!

 

Thanks for your input rory32.

 

 

I have other debts, 3 loan accounts and eight credit cards, all dating back over about a year since default notices issued.

Some have been passed to DCA's whilst other not.

NW is the only one I have received the notices from.

Are the others now acting illegally?

 

Hello Rob

Well spotted!

They don't give up! I

am making monthly payments on various accounts.

 

 

NW record my payments as being received on the day it leaves my account (with another bank!) their 5 working day time period is another smoke screen!

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Thanks for clarification, outstanding query:-

Thanks for your input rory32. I have other debts, 3 loan accounts and eight credit cards, all dating back over about a year since default notices issued. Some have been passed to DCA's whilst other not. NW is the only one I have received the notices from. Are the others now acting illegally?

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Section 86B(6) provides that a notice of sums in arrears under a fixed-sum credit agreement (a loan) or a consumer hire agreement must include a copy of the current arrears information sheet under section 86A, and section 86C(3) makes equivalent provision in relation to notices of sums in arrears under running-account credit agreements (a credit card).

 

This came into effect as of October 1st 2008.

 

If the creditor or owner fails to provide a notice of sums in arrears when required to do so, then during the period of his failure to provide the notice (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.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 weeks later...

Hello

Does anyone have, or can anyone point me in the correct direction to obtain the dates of NW quarterly periods for the last 6 years, and possibly before (!) for debit interest. Thanks in Advance:)

 

Thanks for that yourbank, but I could only access basic home pages on this, no pages where information provided. Thanks anyway

 

Thanks for the explanation rory32.

I am only receiving these notices, mentioned in posts 8 and 11 for an account with an overdraft facility.

 

 

I also have a loan account which has also been defaulted, and is being dealt with in the same court case as the account with the overdraft.

 

 

I am not receiving any notices for the loan account, and neither is any interest being added, according to a check on a CRA.

 

Will this anomaly help my case, as, if I understand your post correctly,

I should be receiving a notice of sums in arrears for both accounts?

 

 

Thanks again.

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  • 3 weeks later...

I have a stayed court case with NW.

They issued a summons for current account with overdraft, and a loan.

Both accounts on one summons.

 

 

I claimed back unlawful charges and mis sold PPI.

 

 

Meanwhile, I am paying monthly payments in accordance with CAB advice.

 

 

NW are continuing to add interest on current account, but not on loan account.

 

 

Both accounts have been defaulted. All this happened before I found this site:).

 

I have not sent SAR or CPR 31.14 Request.

 

 

Are these relevant or is it too late?

 

 

Case has been stayed since October 2008.

 

 

Any help/comments would be welcome please.

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  • 2 weeks later...

If I understand correctly, you are defending their claim as most or all are charges. So if their appeal is throw out you will win the case. They then will have to repay all the charges in the original claim plus all the charges added since. Of course if they win in the House of Lords???

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Yes, claim had substantial charges and mis sold insurance.

 

I do not know if added charges are interest or charges.

 

Are you saying that if OFT case is positive in consumers favour,

that court should rule that monies added to their claim after its issue,

in addition to those defended, should be cancelled out?

 

Either way, as the claim is already issued, if they are adding sums after the issue date,

then another claim would have to be made by them?

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Thanks cerberusalert. I have not done that. As already subject to court proceedings, do you think they would still comment? My concern is that if OFT case goes against, will the court add on the added "costs" after the summons was issued? Surely once summons issued, apart from statutory interest the amount of the claim cannot be increased.

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  • 8 months later...

Update

Since receiving the original "Terminated Overdraft Notice" sent from NatWest "In compliance with the Consumer Credit Act 1974 because you have failed to make required payments" last january,

 

 

I had understood from previous posts on this thread that I should receive one every six months.

Is that correct? I have not received any more!

 

Additionally, on checking with a CRA today I have found that although I received a default notice in December 2007,

the DCA's record shows 30/04/2008 as the issue date, and the current balance has now increased by approx £900 since january.

As stated there is a stayed case regarding this account.

 

Should I be doing something about the default date anomaly and dramatic increase in the debt since january?

I am continuing to pay monthly sums to Nwst, albeit less than £10.00

 

Any advice would be welcome. Thanks

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  • 1 month later...

On updating my files, I have found that NW have refused to supply me with a copy of the original T & C's for a business account opened in 1975 as "the paperwork is no longer available"

Additionally, they say they are unable to supply copies of letters produced automatically by their system for a personal current account.

Anyone have any thoughts on these, especially the letters, as the account these pertain too is the subject of a stayed case at the moment?

Thanks

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