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Robinson Way/Natwest - CCA Request


TeenyBash
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if you cant ignore them, maybe draft up a template letter along the lines of;

no acknowledgements, a cca request is outstanding, comms in writing only please remove my tel from your records.

ensure you dont acknowledge anything.

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don't send anything to a DCA's whose client is a bank

sent a complaint to NatWest CEO.

re CONC guidelines seeking compo for harassment.

 

dx

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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click conc

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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Just did, thank you.

 

Going to hunt through paperwork, however from my recollection I do have a letter from NatWest from a couple months ago where they admit they cannot find the CCA for the loan and know it's unenforceable, yet they took back the account from Robinson Way and now have passed it on to Westcott who have been calling and I recieved a letter from today.

 

Not sure what I should write to NatWest.

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I would guess none of these letters threaten anything?

 

dx

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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Share on other sites

I need to read Wescot letter again, but, no, I don't think so.

 

This is what I got back from NatWest per CCA request for loan in August:

 

"Thank you for your recent letter regarding your account detailed above.

 

We regret to advise you that we are currently unable to locate the Loan Agreement form; however our efforts are to continue to trace the documents. Our record of the setting up of the loan has insufficient detail to enable us to recreate the agreement with the required degree of certainty that is required.

 

We appreciate that, under Section 77(4) of the Consumer Credit Act, we will be unable to take steps to enforce repayment of the loan should you decide not to meet your obligations under the loan. However, we believe that you should continue to make repayments as the agreement remains valid.

 

You should note that your continuing default will be reported to the Credit Reference Agencies as Section 77(4) only prevents us from pursuing recovery of the debt through the courts.

 

Please contact us on the above number to discuss the repayment of your loan account if you have not already done so. Our opening hours are 8.00am to 8.00pm Monday to Friday and 9.00am to 5.00pm Saturday and Sunday. Please quote the above reference in all communications with us.

 

Please note that if we do not receive an acceptable repayment offer, we may take such actions as are legally permitted to recover the outstanding debt. ~

 

We trust this clarifies matters. Kind regards.

 

Debt Management Operations"

 

Given this, should I send a copy to Westcott/Natwest asking they desist from harrassing me? What rights do I have to stop them harrassing me?

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Wescot not Westcott

 

with no CCA all anyone can do is ask you to pay

not demand or threaten anything

 

if they are not doing that id let it run.

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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I could them a lot worse than Westcott instead of Wescot, haha ;-)

 

I'm happy to do that, if they were not calling me several times a day. Is there anyway to make that stop?

 

Also, per loan - CCA, no they can't enforce that. However, what action can they take per the overdraft debt? I requested terms/conditions. I've had nothing for that part. So I presume they could pursue that still even if they didn't sent the terms?

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