Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 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. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • 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.   
  • 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
      • 161 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

Natwest Loan and new default registered 7 years later...


flooz
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2297 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

I am now dealing with a loan issue through NatWest, and would like to start a thread in the proper section.

I've found the NatWest thread, but that seems to only be about bank charges claims.

 

I want to 'be' in the right place, so can anyone tell me, for loan advice, do I still post in the NatWest thread? Or is there somewhere else I should go.

 

Thank you.

Link to post
Share on other sites

Ah, thank you, you're a sweetie :D

 

My title won't give much info, so here goes, keeping it as brief as possible...

 

Bank loan with Nat West taken out latter part of 2006.

Sent initial letter requesting credit agreement, which they couldn't supply.

 

Subsequently sent 'Scott's' letter putting account into dispute.

 

Also opened new account with another bank and am currently in the midst of closing my current account with Nat West to avoid any retaliatory behaviour from them.

 

Have now received the following reply and I'm not sure how or even if I need to respond to it.

Any help would be gratefully received.

Link to post
Share on other sites

You don't need to respond, they've admitted that they cannot provide an enforceable agreement. ;)

 

Their reference to the McGuffick case is a red herring, besides that's going to appeal anyway.

All they are saying more or less is although they can't legally pursue they can still mess about with your credit file. :rolleyes:

Link to post
Share on other sites

Thanks again, I can see you're on the ball today ;)

 

I guess I must put my 'good manners' aside, as I feel like I should respond, and just let it run it's course.

I'm assuming that when I start getting DCA letters there are 'stock' letters to send,

i.e. requesting they provide a credit agreement to prove their case, etc.

 

One thing did come to mind, and it may be another bluff on their part,

is if they can't provide a credit agreement from 3 years ago,

would they be able to 'find' the statement that shows the transfer of funds into my current account?

 

Would that hold up in Court?

Unless, I'm one of those terribly unorganised persons that just never checks their bank account details :rolleyes:

Link to post
Share on other sites

Keep that letter safely, when/if another DCA crawls from under a rock sometime in the future, just send them a copy along with this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

'find' the statement that shows the transfer of funds into my current account? Would that hold up in Court?
No, the debt is not in dispute, the enforceability of it is. Without an enforceable agreement any monies paid to you by them is seen as a gift.
Wilson v First County Trust Ltd [2001] EWCA Civ 633, Sir Andrew Morritt, Vice Chancellor said:

The creditor must…be taken to have made a voluntary disposition, or gift, of the loan monies to the debtor. The creditor had chosen to part with the monies in circumstances in which it was never entitled to have them repaid

In the case of Dimond v Lovell [2000] UKHL 27, Lord Hoffmann said:

Parliament intended that if a consumer credit agreement was improperly executed, then subject to the enforcement powers of the court, the debtor should not have to pay.

Link to post
Share on other sites

ah ha, I didn't know that.

I could do with a few more 'gifts' lol.

 

It's not a huge loan anyway,

and I'm more than halfway through paying it.

But at the moment, I need all the help I need.

 

Thank you, you're a star. :D

Link to post
Share on other sites

  • 1 month later...

I have today received the first notification from NatWest advising I am behind in payments

- it comes from the branch I originally held my current account with,

not the branch the loan was granted from

or the department that wrote about the lack of a loan agreement.

 

I would like to respond, but not sure how to.

 

Something along the lines of

"NatWest have not been able to provide a copy of any loan agreement .... monies seen as a gift as Wilson -v- First County Trust Ltd.

 

Is there a template letter that I can amend?

 

I aware that if any CC action happens (unlikely I guess without an agreement) I must be seen to have been reasonable in my actions.

 

With this in mind, is there now a set route I should follow?

 

Many thanks for your continuing help.

Link to post
Share on other sites

I wouldn't bother replying to them, it's branch level trying to cover their ass. They don't have a leg to stand on & they know it, unfortunately although they cannot take legal action there is nothing to prevent them from asking you for payment. Obviously you are entitled to tell them to go forth and multiply..... or just ignore them & save the postage. :)

Link to post
Share on other sites

Thank you Cerberusalert - somehow I assumed that all correspondence would come from the same department.

 

Guess I shall just have to don my 'tin hat' and take cover ;-)

 

They say in their letter I should expect one of 'these' letters at least every 6 months ...... We shall see. :p

Link to post
Share on other sites

  • 7 years later...

Hope someone can advise me.

7 years ago, I put a NatWest loan account into dispute, as they couldn’t produce a copy of the agreement.

 

Since then, they have been marking my credit account with ‘late payment’.

I made the mistake of responding to one of their letters 6 years ago,

although all I did was send a copy of the letter sent 7 years ago.

 

Last month, I received a letter and statement, the letter saying (in short) “due to my circumstances, they would not be chasing the debt...”

and the statement shows a credit for the balance, and “account closed”.

 

I’ve just had a new credit score statement, and this month they have noted a ‘default’!

 

This doesn’t seem right, and looks to me like it’s going to take another 6 years to drop off my credit report!

 

Any advice of what I should now do is welcomed.

Link to post
Share on other sites

They should have defaulted after the 3rd missed payment.

 

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... 

Link to post
Share on other sites

If they dont change the date back to the proper one, complain to the ICO and the CRA

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

old threads merged for history

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

old threads merged for history

Thanks dx, it’s a good reminder for me.

 

Are they just being difficult and trying to drag this out for as long as possible? If it’s just the case of hanging on for another month or two, i’ll do that, but it seems terribly wrong.

 

If they dont change the date back to the proper one, complain to the ICO and the CRA

Thanks Renegadeimp. Is there a letter template in existence that will help me please?

Link to post
Share on other sites

Not really. You just write and make a formal complaint about the lender.

 

However you need to complain to the creditor first, and allow them the 8 weeks period to rectify.

If they dont, then you can complain or force them to rectify it in court and get compensation.

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

14 days only to rectify the defaulted date error

Or you'll start a complaint to the I c o and seek compensation!!

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 have had a look at the ICO website, and under their 'report a concern', the first step is to write to the organisation.

 

Given Natwest's behaviour already,

do I definitely need to do this, or is that only if I submit an online report.

 

I couldn't see an address I should write to. :???:

 

Ah, just found page 2 of this thread.....

 

I write to Natwest, i assume setting out their error of 7 years of late payment markers, and now a default.

Do I do a 'correct this, or else' type of letter?

 

Sorry, but I'm useless at letters. Something like this? And what is the 'regulations' that I can refer to please?

 

"I write in connection with the information on my credit files relating to the above loan account.

 

There has been no correspondence from myself in relation to this loan for over 7 years, during which time, you have continually marked my credit files with ‘late payment’.

 

Despite receiving confirmation from yourselves that this account is ‘closed’, you have now marked my credit file with a ‘default’.

 

According to ………….. a default should have been entered after 3 late payments, which would have been around December 2010/January 2011.

 

It appears you are abusing the regulations, and as such, I respectfully request that you amend my credit files immediately. Should it remain uncorrected after 14 days, I shall have no alternative but to inform the ICO and request compensation for your error.

 

I await hearing from you. "

Link to post
Share on other sites

the information commissioners office

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

Having now checked all my files, I see that it's worse than I thought.

 

This account was actually put into dispute in 2009, with the last payment being made in October of that year.

I have prepared the following letter, and would appreciate if someone could advise if it is ok.

I don't want to leave myself open to any more possibly grief from NatWest.

 

"I write in connection with the information on my credit files relating to the above loan account.

 

This account was disputed in November 2009 when you failed to provide a copy of the consumer credit agreement. There has been no acknowledgement since that date. Following correspondence from you in October 2011, you were provided with a copy of my letter of 5 November 2009.

 

During the last 8 years, you have continually marked my credit files with ‘late payment’.

 

Despite receiving confirmation from yourselves that this account is ‘closed’, you have now marked my credit file with a ‘default’.

 

According to the Information Commissioner’s Office, a default should have been entered after 3 late payments, given the last monthly payment was made on 20 October 2009, a default should have been entered in February 2010.

 

It appears you are abusing the regulations, and as such, I respectfully request that you amend my credit files immediately. Should it remain uncorrected after 14 days, I shall have no alternative but to inform the ICO and request compensation for your error.

 

I await hearing from you. "

 

Hope is it ok. And thanks in advance.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...