NatWest Mastercard - account opened in 2009 with a £950 limit

Account was passed over to Cabot in 2016 after NW got tired of me paying a minimum payment

I WAS paying Cabot a fee per month (Have since cancelled that over a year ago now)

Cabot was CCA'd end of 2017 -acknowledged letter but never sent CCA

I've recently SAR'd NW and have now got from them statements from 2009 and a CCA

Have seen on statements that there was PPI on the monthly statements from 2009 - 2010 (£7.90 p/m)

Also late payment fees and over limit fees on some months from 2010 -2013 (£12) have been added

My credit limit has always been £950, no increase given or asked for.

In June 2012 I was able (due to a glitch in NW''s banking/ IT system at the time) (was well reported) to withdraw £100 cash bringing my account to over £1,000 balance

A PPI claim is currently in progress

And I'm about to send a claim for the late payment fees and over limit fees

The date of default shows on my CF as 06/05/2016.

I can't find a/my copy of this.

Is this supposed to show on my statements 'default' - as do late payments and over limit fees do?

I may of been written to about it, can't remember.

I def know they wrote to me saying my account was going to Cabot and to pay them directly.

The payments from Cabot show on my cc statements

Even though the accounts supposed to be closed they've provided me with statements up until 2018 never received in the post

statements were the responsibility of cabot from the date NW sold it .

did you get a notice of assignment from cabotNatWest?

there is no default fee

but the date should show in the SAR comms log.

Yes I got a letter from Cabot informing me that they were taking on the account

I've not received that in the SAR

I don't know if NW are drip feeding information at the mo, as in their 1st response to the SAR they only gave comms logs and that was relating to an old fraud case

I followed up with an email stating I wanted everything for the account and they sent the statements yesterday - only statements nothing else

was that letter around 06/05/2016 the defaulted date?

when was you third late/short/missed payment?

Received a letter dated 30/08/16 - Changes to the ongoing management of your repayment plan

We're writing to advise you that we have partnered with Westcot Credit Services Ltd who will now manage the remainder of your plan

Received a letter dated 24/08/17 - We hereby give notice of the assignment of the debt due to us by you in respect of the outstanding balance on your Natwest account

Goes on to explain on 03rd July 2017 my account was assigned to Cabot Financial who are now the legal owners of the debt and Westcot will manage the account on their behalf

Then goes on to payment details and all that jazz

These are the only hard copies that I have, any other letters sent from NW I don't have/ can't find

I've gone through all of 2016's statements and not one missed/late or defaulted payment. Paid every month on time by DD, though minimum payment. So its strange that my credit file is showing defaulted date as that year

29/03/2010 was my 3rd late (and then)

29/04/10

04/08/10

29/11/10

A run of over limit fees goes from 2010 to 2013 every month

so by the ICO guidelines of time [2010] they should have issue a default notice on 3rd marker whatever it was

and ofcourse all those fees are reclaimable.

nastywest are masters at this but we've had lots of wins against them.

the 2016 defaulted date could be the date they put the debt up forsale which is the usual reason, then a few weeks late a debt buyer bought it.

- - - Updated - - -

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=natwest+late+defaulted+date&sa=Search+CAG

Wow, very interesting that. Nastywest indeed

Ok thanks dx for the information

I'll get reading and a letter will be sent to NW

Letter sent to NW on 02/02/19 in regards to incorrect entries with the CRAs and requesting to change/log a correct default date on my credit file

So we'll see/ keep you updated on that

Letter received 28/01/19 from RBS PPI Team - complaint is being investigated......

So I got a letter from Natwest Card Services today (uploaded)

Saying they've done everything correctly in regards to my CC account and that the date stands on my CF

However they've totally ignored my (main) point in my letter to them was;

The information that has been recorded with the Credit Reference Agencies (CRA) in regard to a previously held Mastercard - ACCOUNT /REF NUMBER xxxxxxx is incorrect and out of date.

And that it's not in accordance with the ICO rules

The third missed payment was to be marked as a default and wasn't

Basically the 4th principle for the reporting of arrears, arrangements and defaults at credit reference agencies

They may of asked me to contact them, my DD was still active and they billed me each month so I paid it actually in hope it wouldn't default. So I did (must've) went on a payment plan with them as I found a letter dated 30/08/16 titled Changes to the ongoing management of your repayment plan and that they've partnered with Wescot, my plan amount remains unchanged. Please continue to maintain your existing payments to us

So is it letter no.2 back, is it letter tennis for a bit or have I got it/ done something wrong here?

Also I've hit a brick wall with my SAR with NW, sent two chasing emails for PPI docs/ policy and all correspondence sent and received. I called them today, 'person you are calling is not available' message

They only sent a fraud/ card misuse case, then I had to chase for statements they sent them and just won't send anything else

Thinking of sending a last 'letter before action' send or I'll be reporting to the FCA

Thoughts/ suggestions?

Thanks

Natwest Response PG1.PNG.pdf

Natwest Response PG2.pdf

so what did you put in your letter

it should have been why didnt you default me in 2010?

dx

I didn't ask that

I put; I would like you to correct the default date to March 2010 in accordance with the ICO rules

According to the ICO rules the default date of May 2016 is too late and I would like you to change it immediately

you have the evidence from their comms log that you had 3+ missed/short payments

as per the ICO guidelines at the time they should have defaulted you then

ok they don't HAVE too

but hes not answered that at all.

I think that needs answering.

Question has been asked to NW, acknowledged receipt of it on 27/02 so waiting on that

The PPI team have written to me today and concluded their investigation. They rang me on the 21st Feb to get some more info. I took the call and they ended going through a 15min questionnaire 

They have said that regarding the PPI sale they were unable to find any failings in the sales process in my case and therefore have been unable to to uphold my complaint

Their decision regarding commission and due to Plevin they've made me an offer in full and final settlement of my concerns

They've included a form to sign to accept the amount and note that any arrears on my account it will go to paying that and send me a cheque for the leftover (if any)

The PPI offer is £740 and the debt/balance owed to NW is £695 or something

Even if your account is with a DCA does the bank still apply to your CC account? It's 'closed' no?

Not if it's sold they can't

Next time read around and never answer their loaded questions ...

had a feeling I maybe shouldn't have complied with that

Yes sold on to Wescott or Cabot it was

wetcloths don't buy debts only chase for their client.

Cabot it was actually. And since I’ve started my query with Natwest I’ve been getting texts asking me to get in contact with them. And calls from mobile numbers I believe 

Never talk about debt other than in writing

No definitely not. I block the numbers as they ring 

A CCA request was sent and never responded to

So with NW PPI offer if I was to accept they’d have to send me the cheque and not apply it to my closed account that is now with the DCA Cabot?

The case law you can use is Edlington Properties -v JH Fenner.

Where a debt/account has been Assigned, the seller has no right to appropriate your money to the third party.(CAbot)

You need to write and tell the original creditor this and if they refuse to refund all of the money to you then you are able to issue proceedings in court to force them to refund this money to you.

Great. Thank you 

I've found a hard copy of the notice of assignment, which is great so I can refer to that when I write back to them. Would I ask for a revised copy, tell them to omit the bit about paying any debt owed and send the signature page back blank?

well as they rang you

cant see why you cant ring THEM.

we've seen this letter before and its simply a generic reply

but just check that they do realise they don't own the debt anymore and cant pay PPI to a DCA owner.

Just rang them explained. Will put a note on to say what I’ve called for and why and I’ll make a note of it on the signature form

Thanks

Having a terrible time with NatWest at the mo who's ignored 5 further requests for all my data from my original SAR.

I know I can complain to the ICO, which I'm about to.

But really, what can I actually do to make them hand over what I've asked for? 

They've not even said 'oh sorry we can't find it' just straight up ignoring me.

Does the ICO just tell them off?