hi i had a credit with natwest for just over to years however due to personal circumstance i wasn't able to meet the payment an went on a repayment plan. my card and my account was cancelled without 30 days notice by natrwest , while under repayment plan i made every month the payment agreed by both party . Natwest told me that under few occasion lost my paymnet and couldn't trace my payment ( Three paymnet ) so this accpount was passed to triton without my knowledge claiming that i owed tham 550 poundsmy answer was WTF ???? as on the smae mornin i was making my payment to natwest on the phone they took my detail i asked to confirmed the balance whgich was about 360 pounds on the same card . so i asked triton two weeks ago FOr a CCA request , received a letter from them stating they acknowldge my letter but send back my cheque stating that i forgot to put the date on it which i did by accident so i sent it back again.; however they told me that this account was rolled back to natwest . so where i am standing there ? when i randg up natwest they told me to rang back triton , triton told me they dio noit have any recoird of this account ? really confusing . where should i send back the cheque for the pound s fee for the CCA request? i have no idea what to do next ? triton keep telling me that they will sue me stating that i might lost my home, go bankrupt or even go to prison. iknow this is bullshxt. but i am reallky fed up with them messing me around ...

as suggested by hedgey g file a claim at your local court after the 14 days period elapsed however, just send them a letter refusing their offer and told them that if you go to court then they will have to pay your court cost and 8% interest on the top of your 150 pounds and go for it they will back down .. good luck

have you tried to uplift the stay if it is natwest who applied for it ask for it to be remivesd as they had plenty of time to settle the money beforehand an other tactic to waste time and money .... good luck

you forgot as well once the claim is settled in my case it took me four month then it took them an other month to paid your money back the into the account of your choice oh natwest an other way ..... nopw i am in my second claim and they close my account without notice .....

thanks hedgey well interesting this time now they received my letter but no new of course anyway receive many phone call in one morning asking me to pay for the outstanding sum on this accoun told them that i won't as it is only made up of charges and that i will sue you again if you don't refund it within 14 days . their answer i appreciate this but tyou owed money and anyway we just closed your current account and will passed it on to a DCA for further collection ... well starting on a really good foot love ly let the fun begin xxxxx

GOOD LUCK cheddar and have fun i am in the same situation as you but for only 230 pounds for a dormant account well .....

hi everyone, i am here again reclaiming my bank charges on mu cyurrent account even though i haven't used it they still charge me for unpaid item and overdrfaft charges.shame i can't close my bank account due to the fact i have a personal laon with them . well at least i will have fun again. good luck everyone .

this is happens to me and still ongoing i had made a sucessfull first claim now waiting for my second one. p[lus a sticky isssue with PPI whixch was misold to me .

this is bull **** sorry fpor the word used, but i had the same it means that if you raise concerned to them directly it wil take them 8 weeks to resolve or not your situation. i had the same !! believe me and a lot of worse than u !!! keep going with your timetable . basically ti meant that there is no manual intervention only a "polite way " to say it. don't worry about it keep going for it.

ps county court doesn't exist in france so it will be hard for them to sue on a small claim court lot of bulshxxt. bank doesn;t sue the only thindg they can't do is to report u to the bank of france for bankrupcy which need a french adress. report to them to the trading standard,oft and the FSa.

carless u cannot have you defence heard in france due to different law and custom this is illegal , unpractical. european law is quiter clear on this one national law canot be applicable onto an other state., unless it was made in the french counry and governewd by the french law. if not suffed them. theyare on a loosinfg batrttle ground trying to scare u !!!!!

no thatr tis worng as the LAW THAT YOU ARE GOVERNED IS DIFFERENT THEY CANNNOT Apply english law to a french court, as foirst the civil procedure are differnt and sewcondly the when u soigned the agreemement is was under the CCA 1974 which is not APPLICABLE TO FRENCH LAW DUE TO DIFFERENT CIVIL PART PROCEDURE. they are just trying to intimidate tyou believe i had the same ****. sorry for the word but they cannort sue unless you have a warrant for aRREST MAINLY FOR FRAUD. i know fore this by experience, this totallly illegal as one lwa does not necessary equal to an other one. law and custon differs greatly from france and england as long u don'[t have any legal tie in englkand( e.g. : such an adress) you shoulkd be ok as they canno tpursue u unless they rpove the debt was made in france not in uk . i hope this help. a ccva request is irrelevant unless you have an adrees in UK.

exactly, the pursue a debt while living in an other country can be quite difficult and expensive as it has legal complexity miny debt in france was only for 400 pounds which is not much but they will try to pursue of owed over 700 pounds and again for a business it is not worth while to pursue this kind of claim . the Uk will oalways be stuck between two influences the Eu and US look culturally wise and european businesses implemented in Uk .... lol

thank you just rtreceived a letter from natwest saying that without prejudice and as a gesture of goodwill they will remove this account from the DCA and will review my offer of token payment of 1 pounds. however, it was a different story with triton had to explained for 1 hour on the phone as they still threatening me with court action and my answer was well do it mate because this account is not with u anymore. lol so fustrating . thank you for your help wish i found this site earlier.

for the default shall i write to them to let them know that i am defaulted them for no respecrt of the CCA request ? if so how shall i do that ? thanking for your help .

i stuffedby natwest i was in the same situation with u but the other way around i lived in france and move to the Uk , owning quite a bit of money to a french bank overdraft which i wasn't aware of it until my card was cancelled. however, yhe debt is unenforceABLE HAS WE ARE NOT GOVERNED BY uK LAW BUT BY THE FRENCHH ONE, so don't worry too much about it . however having said that if u owed quite a large sum of money, then iu will be better to seek some legal advice as rthey can pursue u although very expensive to them . if i was u ignore them and stuffed them !!!!! lol seven years ago i received a phone called wanted an adress to put me on bankrupcy, which i didn't and i haven't terceived anything as i didn't have a french adress and by so wasn't governed by the french law.

i just found out today that the cheaue was cleared last thursday amnd the CCA request made on ther 3rd may. does it mean i have to issue them with a default notice as i still haven't receive it ? any help will be appreciated. thank you.

yes i did enclosed a cheque for one punds which still hasn't been processedso iwas thinking to send an other request recorded delivery ? can iserve thwm a derfault notice after 12 days? ihaven'thead anything from them formthe lastfewweeks a bit too wierd for me. lol. iwant to resolve this debt but to talk in an inteligible way it is hard work!!! lolthank u so much for u advice, they are so helpfull.

my husband senttheCCA request but i don't think it did send it by recorded delivery i had only a proof of posting. should i resend oneby recorded delivery? sorry if it sounds a realy dumb question

ji and thqamkd priority onr to answer to your questio the debt concerned a credit cardfwith at third party . i recieved an oficial letter from their solicitor who was transferred to triton. while the account was in court current and credit cardaccount account. what i am asking is about credit card not about debit card.when i sued natwest credit credit card the money was put on a CURRENT ACCOUNT as it waspaidbny cheque. i thank u for u templater letter i just don't know whaqt do to do with them they are so rude and refuse to talk to a meaningful dialogue!!!!

hy everyone, i amat the end of my tether with this DCA . i sued natwest regading the charges dagainst my credit card event hought i owed 200 pounds( i do own some money on an other credit card and rent). i told them by letter phone asnd fgax thatr the amount is being is diouted they tried to enforce ther debt throug Green & co solicitors, even though it is illegal by the consumer credit act 1967,. still waiting for my CCA request, to enforce a debt while being in a dispute, they tried to get a CCJ against me. they stated thery don't care how much i earn and i should come up with the money by selling some of my belonging. Natwest just repaid those unlawfull charges on my current account , and guess what? it was swallowed by more charges, so i haven't got the money they asked me to pay up front. So they keep saying on the phone to book appointment to go to court to see the bailiff or to go to court etrc.... almost everyday i received this kind of phone call. even though the original debt was over 400 pounds i manged to halved it but keep insistedd me to pay 50 pound/monrth when i earn on average 400 pounds a month. however, natwest closed this account without 30 day notice, sold it to a dca and i heard nothing about it.6 month ago, i received a phone call from triton, which i thought was a [problem] as my debit card was cloned when i received the first phone call from them and by so refusing to a transaction by phone( i had the proof of it!!!) . as i didn't know that account was sold to a DCa ( triton) but simply terminated. i agree to pay 20 pound/month. However in janaury i couldn't pay it due to level of excessise cahrges levied on my account. what should i do ? any advice will be welcome ?

dsoory i forgot to mention the laon was for 2000 pounds and total ammoujnt payable 4471.20 which 1171.80 is for insurance loan. tone of the clause mention: "customer service: your right to cancel .... if you are not completely sasitfied, return the certificate within 30 days of receipt to your branch whowill cancel the cover fromthe commencement date and refund any premium paid, provided no claim has been made on the policy ( which i didn't !!) during that time >. if the loanProtector insurance may be cancelled an any time during the term of the laonif this is done the premiumwill be rebarted and use by the bank to diminish the amount owed ...." can i still claimed it all back ?

hi everyone itook out a personal loan with natwest in januarywith a loan protector or PPI to pay back somedebt. however, at the end of march i cancelled my PPi has it was expensive ,conidering that i work for only 18 hours a week as i found a new one way much cheaper only £1.18 /month. anyway i cancelled thay told they will refund the amount of the loan insurance plus any premium paid as i didn't make any claim on it , the total amount to be refunded was 1171.80. howeveer they only refunded me about 600 pounds there reasons that thisa the money they will refund if i made a cliam on it and i said well it is not specified that on you r contract that everything will be refunded in all as provided in their clauses. so i am thinking to write to them claiming all back minus the difference already refunded on the loan . do i have the right to claim it back ? and if so do i give an ultimatrum on the letter to natwest ? thank u for any advice given?

i made a a wasted cost court order application about a week ago and stillhasn't received any response fromnthe court . is this normal or the court will not process this application ?

ot was sent next day recorded delivery and by fax too ! i still have the receipt from it and it was delivered on the 31st march 2007 they are still taking me for a ride i amfgetting really fed up with them. maybe they don't realise the decison i had by the FOS is legally binding to them. ooh really want to scream ! sorry for the rant