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TeenyBash

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About TeenyBash

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  1. 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?
  2. 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?
  3. 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.
  4. What documents would you suggest I read to follow through on such a thing, DX?
  5. Yes, that was also what I was thinking. Hmm. Decisions!
  6. I don't. But I suppose I could remedy that and get another phone or change numbers.
  7. I've had no letters from Westcott yet, however they've started calling my landline and mobile last week - multiple times a day (which I haven't answered). What can I do to stop them calling? I was going to just ignore it all, as DX said, but they use multiple numbers so can't block all of them. I don't really want to acknowledge them. However, in order to make the calls stop would it be advisable to write a letter informing them I had CCAed asked for terms and the account is in serious dispute and ask the account is returned to NatWest etc? Reminding them debt unenforceable in court etc. What would you all suggest? SAR update - Still no bank statements. Request made in July. NatWest complaints claim they reordered them 3 times then sent me shopping vouchers instead...I want my statements. I made a complaint with the ICO, which they received. Waiting on outcome. In response to Ford - I CCA requested Robinson Way who confirmed in writing several times they passed it on to NatWest. Wrote to me again saying they are still awaiting on response from NatWest. Then next thing that happened NatWest took back the account from them and passed it to Wescot with the CCA outstanding. Likely they are trying to fleece me.
  8. Thanks for replying, DX. I suppose any response to them would be some type of acknowledge from me. I'll do as you say. Per SAR which I do still need, I'll pursue with the ICO.
  9. I really need some advice, guys. I'm at my wits end with this. Per CCA request for my loan and request of terms/conditions - Robinson Way wrote back to me several times saying they had asked Natwest for this information and were awaiting response. Long story short, Natwest have still not complied with the request for the CCA for the loan nor the terms for the overdraft. I had a letter from Robinson Way last week to say that Robinson Way wrote to me recently to confirm that, in light of the dispute raised (me asking for Natwest to send CCA/terms) and Natwest not complying, the client Natwest has now asked that they return the account to them, so they will no longer be dealing with it. Today I got a letter from Natwest saying their collections agents have been unable to come to a suitable arrangement with me, there my account details have been passed to Westcot Credit Services LTD to act as the new collection agent. Any queries about my account should now be addressed to them. Now, I've read various posts - correct me if I'm wrong, but Natwest cannot take this action, of continuing enforcement and passing me around debt collectors when a CCA/terms request is outstanding, correct? And they do this in the hope that you will not be informed and not know this, correct? Should I now write back to Natwest and say that as they will know, they cannot continue to collection activities and pass me to a different collector when said CCA/terms requests are outstanding? What laws should I quote so they know I mean business? Thank you in advance. Also, the SAR I still have not received my statements. I've had a final response from Natwest complaints over 2 weeks ago to say they would take up to 2 weeks to receive. Nothing. So I replied and they said they can't do anything as they dealt with the complaint to the best of their ability. Natwest are trying to screw me at every single turn.
  10. I sent a SAR to NatWest in July . They required proof of ID. On their receipt of this proof from me (Royal Mail signed for) the 40 day compliance began (3rd August). On the 38th day I received partial data from NatWest in the post, but no statements. The cover letter said the statements would follow. It's now day 55, 15 days over the 40 days compliance deadline and I still have not received any statements. I've contacted the SAR department twice who've said it is out of their hands and is down to the statements department, but cannot give me a contact number for them. I've repeatedly spoken to online customer service in the last two weeks who keep saying they've chased it and are awaiting a response. What can I do? I've sent an email to the ICO, but they take up to 14 days to even acknowledge the complaint.
  11. PPI reclaim came back. Complaint upheld. Says amount they paid out exceeds amount I paid for PPI, thus took that amount off my reward which entitles me to exactly zip, nudda, nothing. Complaint sent to Ombudsman to remove the default from my credit file.
  12. Almost 2 weeks after SAR 40 day compliance deadline and still no statements for accounts received. Cover letter from partial SAR documents says statements to follow from statement department, any issue contact them (written address only given, no number etc). Called SAR team, asked what is going on - said it is out of their hands, only statement team can sort, couldn't give me phone number, said would email statement team to chase. Mean time I contacted Natwest on social media on Monday, they've also repeatedly promised to come back to me with info/chase it and haven't. Time to submit N1 to court?
  13. Letter written asking they remove the default as they said they would with enclosed copy of their final response clearly stating they would remove the default. PPI claim made two months ago. Text received today saying they have posted a letter detailing the outcome of their investigation. Had another look through paperwork - states I will receive all my statements separately from their statements department (although there are some screen prints of some). Will look at charges etc when I receive those. I've had £200 comp and £150 comp from them in the past from customer relations. I reclaimed charges on credit card. What's left now is overdraft charges, which my rough estimation makes up around £250 of the £600 or so Rob Way say relates to overdraft. CCA requests - Loan CCA cannot be found, as I mentioned in previous post. Overdraft, still awaiting latest response. Loan outstanding £400 or so. PPI claim made back in 2011 and was active up until loan term ended in around 2014. As previously mentioned, their claims department was behind on processing and didn't pay all was due.
  14. They said in the email they have submitted for them to be removed, it can take up to 30 days to show? Letter also received in the post last week confirming what they had written in their email, plus transpires I actually found the email address of a Vodafone director and contacted them about the situation (I'd forgotten I'd done that), and that's the only reason the matter has been addressed. Vodafone are the pits.
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