Jesus, Thanks for all the advice guys. At what point is this thing likely to come to a holt whereby they might accept a settlement offer???

No, nothing. I did send Natwest a Subject access request last year but they replied saying that they needed my signature before they would send me anything. I assumed this was a bit dodgy and that they were trying to get hold of my signature. so I didnt do anything.

I dont currently have a scanner but I can give you the basic outline of what it looks like. It's printed on standard statement paper, about A5 size and states: Personal Loan The date of first Movement on the account: 27 July 2006 Ammount of credit available under agreement: 6000 Applicable interest rate Paragraph Duration Paragraph Settling your credit agreement early Paragraph Paying less than the agreed sum Paragraph Thats it!! Just looks like generic, half arsed t&c's on normal statement paper. Ideas?

Hi guys, I had my loan passed to Intrum Justitia from Natwest last year sometime and after joining this forum, I stopped paying them my token payments and sent CCA & Subject access request ect. They were unable to produce any of this and all has been quiet since las sept. Until now!!!! A couple of weeks ago I received a letter from DCA called "Equidebt". Before they had a chance to send me a second letter I sent CCA request & telephone harrasment letter as they were calling me at all times. They have since aknowledged receipt of my CCA request by letter last week saying a request for my original agreement has been submitted to Natwest, and today I have received a 3 page paper statement from Natwest on my account. The first page shows one payment of £20.00 I previosluy made to Intrum Justitia back in July 2009 before I sent them CCA and I was making token payments. The second page is just a summary of balance on the loan they say I owe. The third page has the date (July 2006) & ammount (6000.00) I originally took the loan out on, with a summary of Intrest rates, duration of loan ect. I just wanted to know what I should do from here as I dont know if this would be enfoceable or if they are just testing the water with me. Im a bit worried now as I dont know what to do. I have a feeling I'm going to hear back from Equidebt stating that the request has been satisfied and they will be persuing the ammount on the debt ect. Any help would be much appreciated, Thanks Guys

Ok, how do you reckon i should approach this with Intrum and NatWest. It feels like they're gonna come at me from all angles!

I got a letter from Intrum today...Thoughts? Think this is their way of trying to wriggle their way out of not sending me the original CCA after i called them about the harrasing phone calls. Letter goes......... I can confirm that we received a request from you for information under the consumer credit act on 7th September 2009. National Westminister Bank had requested we close your account that day, therefore a letter confirming that Intrum Justitia were no longer dealing was issued to you. However, on the 22nd September 2009 National Westminister Bank confirmed to us that they had supplied you with the relevent information and requested we continue collection activity. In light of the concerns you have raised in your communication, we have reffered this matter to National Westminister Bank for their instructions and will contact you once a reply is received. A hold has been placed onto ypur account. Should you be unhappy with our companys response, you have the right to refer this matter to the financial Ombudsman service within six months. I have enclosed a relevant Financial Ombudsman Service leaflet which contains further information and contact details. I would like to thank you for bringing this matter to my attention. If you require any further assistance ect ect.. NatWest never supplied me with my CCA as i didnt request it with them, i just complained about Intrum to them via letter and they wiped the payments i had made to intrum from the loan account. WTF!!

Hi guys, thought I would let you all know how my phone call with Intrum went today. I have to add first, what i forgot to mention in earlier posts is that I did write a leter to Nat West complaints department regarding the collection procedures of Intrum ect ect and the money i had already paid them(£100 or so). I received an aplogy reply that said the money had been deducted from the ammount outstanding but that they were looking to recover the debt. Anyway... I called Intrum Today and asked to speak to a call centre manager as per 2Grumpy's advice (cheers). The Woman i spoke to was supprisingly helpfull and very polite but this didn't fool me. I explained to her that I was requesting that my number was to be removed from their database and that I do not want to recieve any more calls from their company as the debt is now back in the hands of Nat West. She told me that as i had complained to Nat West and that there was an ammount removed from the account, Nat West saw this as a "satisfied or resolved complaint" and has therefore passed it back To Intrum to recover, hence all the phone calls. She had no idea who GPB are and couldnt explain why i received a letter from them!!!!! She agreed to remove my number from the system and then informed me that i would need to re-submit my CCA request in order for them to obtain a copy of the agreement. This dosent make sense to me. If they couldnt provide a CCA on my first request, how will they provide it the second time around, or does this mean they didnt even bother the first time? Unlucky Howler, at least we're in it together.

Thanks for the advice guys, it really helps me coz i get so damn confused when it comes to sorting things like this out. I know that i probably dont have much to worry about but I still panic slightly when i get letters. It's not that i want to try and escape the debt, i just want to come to some sort of agreement with the original creditor to get it clear. I think it's unlawful how they can just automaticaly pass it to a DC without prior notification or contact with myself. Dont know what id do if i hadn't found this site. Cheers again guys.

It's ridiculous isnt it! They are calling me twice a day like clockwork at the same time, it's got to be an automated system they use. When they do ring, i've said nothing and waited for them to speak first but they dont, the call just ends after 10 seconds or so and they hang up. does anyone have the harassment letter i can forward to the ba****ds?

What should i do? Intrum are calling me twice a day now, including sunday just gone. I dont understand why they keep calling me when they failed to supply me with a CCA and replied saying that they were no longer dealing with the account. It's getting to the point where im considerig taking the names of the people on the phone and having a trip to their offices to pay a personel visit!

Thanks 42man. I will send that letter to GPB but should i send it to Intrum also? I dont want to confuse matters with them when they have already said that they are no longer dealing with it. Im confused.com!

I did send Nat West a subject access request on all my accounts held with them (which i havent sen yet). Would this not have to include an original copy of my loan agreement or some sort of info on it indstead of me sending a CCA for the loan itself?

Hi Guys, This was my original post and i got some excellent advice on what i should do and the direction i should be taking to sort this out. Anyways, I sent Intrum a CCA and they replied with a "we are no longer dealing with this request" letter. I thought to myself, Great!! I'll wait now and see if NatWest comes back to me to see if i can sort it out directly with them and get the ball rolling to start paying off the debt. I have heard nothing from NatWest, but today i have received a letter from some solicitors called GPB (Geoffrey Parker Bourne). This letter states that their client is "Nat West" and goes on to say if I dont make payment to "Nat West" within 7 days...legal action, court, blah blah blah. The part that dosent make sense to me is the last paragraph: "Please note, We are not to enter into correspondense with you at this stage but refer you to Intrum Justitia. You can contact them on the number above or at the address on previous correspondence." What the hell!! As far as im aware, Intrum are no longer dealing with this as their last letter said so because of my CCA request. Im not paying them any money and havent heard from them until today when i got a phone call from Intrum, I didnt know it was them as i wasnt expecting anymore contact from them. When i answered the phone, the lady on the line said she was from Intrum debt management.My reply to this was "and" ?. Then the line went dead. Wierd. Any ideas on who i should contact? Nat West or The solicitors?

Hi guys, Well, today i received a letter from Intrum Justitia (if you can call it a letter) after sending them a request for CCA. It was the original CCA letter i sent them (postal order included) accompanied by a hand written compliment slip saying "we are no longer dealing with this account, please contact the original creditor" Exactly the result i was hoping for!! What do i do now though guys? The debt has obviously been passed back to NatWest, who im sure imgoing to hear from shortly but do i now send them a CCA or do i send them a Subject Access Request? What about all the money I paid Intrum Justitia? Can i claim that back by complaining to the bank that they didnt have the right to ask me for it in the first place! Im a bit fumbbled about how i sould approach this now.

Wow, Thanks for the speedy reply and sharing your advice and experiences guys. The only other problem i have with this debt is that it has risen by another 2k, so it now stands at just over £10,000. This is obviously due to charges ect. I would much prefer it if NatWest took the debt back, wiped the charges and started from scratch with myself to clear it at a reduced figure. What u reckon? or am i dreaming if i think this could ever be a reality!