Hi Sleepless, I managed to return a call I received from the Natwest/RBS SAR team and they provided me with additional addresses for statements and loan agreements (also sent my money back). Haven't been doing this long enough to call this advise, or make a recommendation on what to write but the following addresses came from Natwest SAR team - I've received information about my loan agreement showing a PPI premium (not the agreement, just a summary), so one of the addresses is valid at least: Statements Data Protection Team (Statements) Chatham RCSC Kent ME4 4RT Credit Card Agreements Senior Customer Advisor Customer Management Retail Operations, Business Services 2nd Floor, Thanet Grange Southend On Sea SS0 0EJ Loan Agreements - have received response Lending 6 RPO 4th Floor 1 Hardman Boulevard Manchester M3 3AQ

My understanding is that it isn't whether they can prove the funds were received. The enforceability of the debt relates to the terms of the agreement and the relevant law at the time.

My thoughts exactly. Not planning to make them aware they can't read a calendar but will take a look at the PPI, if the account's closed guessing they'd struggle to keep anything that's due back!

Not sold, most recent statement I have is on Natwest headed paper (addressed from their CMS Recoveries Branch), but my last arrangement to pay was via Robinson Way, so think RW were only providing collection services. So even though I opened the account after 2007, no agreement, no enforcement - am I getting that right? Would claiming for PPI then make it enforceable?

Have received a response to a CCA I sent to Natwest (attached), would appreciate some advise as to how to proceed. Details of debt Original Creditor: Natwest Current Creditor: Natwest Date Opened: 15th June 2008 Default date: Sept 2009 Opening balance: £18k (£28k according to old credit report from 2014?) Current balance: £15k Last payment: March 2015 DCA: Robinson Way, but no recent letters received. QUESTION - Response from Natwest states that the loan agreement will have been destroyed. As the debt is post 2007, I'm not sure if this means it is enforceable or not? They have also stated that I had PPI on the loan. QUESTION - Not expecting to receive any cash-back from this one but wondering if anyone would recommend claiming back the PPI to reduce the balance of the outstanding amount? Thanks for reading Natwest CCA response (redacted).pdf

Will do!

Original Creditor: MBNA Date of agreement: 12/10/2005 Current owner: Arrow Global Current balance: £4223.87 Default date: August 2010 Last payment: 2013 (?) DCA: Capquest Got into problems in 2009, tried Baines and Ernst, realised they were a rip-off so set up my own DMP; have had 2 children since so started making only token payments in 2009, then stopped payments to MBNA/Arrow in 2013 (can't remember why). Account was in "Arrangement to pay" from Jan 2009, defaulted August 2010 Total balance when I fell into difficulties was £4,598.87. SAR sent to MBNA yesterday (definitely had PPI), CCA sent to CapQuest 18th Jan Let me know if you need to know anything else. THANKS

Hi, would appreciate some advice if possible. History of this debt - Original Creditor: MBNA Date of agreement: 12/10/2005 Current owner: Arrow Global Current balance: £4223.87 Default date: August 2010 Last payment: 2013 (?) DCA: Capquest Current issue - Got married a few months ago and have changed surname, found CAG and decided to sort my act out. Recently sent CapQuest a CCA request (using CAG template), trying to get things sorted. Before they even received it my neighbour popped round with a letter they had incorrectly sent to her address. She'd also opened the letter as CapQuest had called her home and worried her. I was fuming about the phone call, they obviously searched the address for a number, if they's taken 2 minutes to check my credit file they would have my correct address, and sent them a letter to complain their only response so far is to request confirmation of my name change (valid request in terms of data protection I think, but I refuse to send them any of my ID). Wondering if there's any advice on the following: As I want to get a clear CCA request response (do they have it or not) I understand the need to identify myself, should I provide this to the OC or the current owner? Would appreciate an opinion on my draft response to CapQuest please - Thank you for your letter, dated 27th January and received 29th January. In your letter you request confirmation of my details. Due to the nature of my current complaint and your companys inability to appropriately check and manage data; I am reluctant to supply you with identification documents. As such I am writing directly to the original creditor (MBNA) of the alleged debt with sufficient identification to reflect my change of details. I f relevant to your desire to contact me I am sure they will pass this information along in due course. I await your response to my formal complaint (letter dated 20th January), the main points of this complaint are stated again below for clarification: 1. The letter received disclosed alleged debt details, nature of contact and amount, without any attempt to be ensure that “data and information used in the identification process is, to the best of their knowledge, accurate and adequate”. This failing may relate to CapQuest or their client. 2. CapQuest also somehow obtained the telephone number for INCORRECT_ADDR and contacted them about the account number above, which contradicts the intended recipients right to privacy. Attached file is a copy of my complaint letter and their most recent letter. Thanks for reading Capquest_name_confirmation.pdf

Sounds good, thanks for the info. Have been reading forum for months, chuffed I haven't messed the process up yet.

First post, so hoping I've followed all the recommendations. Would appreciate some advice following a recent SAR request I sent to NatWest. Used the template from the CAG library to send a SAR to NatWest and they've called today to ask exactly what I was looking for. Not very good at being forceful on the phone, so rather than saying "everything I asked for in writing", I explained I needed transactions and credit agreements. They are supposed to send me a list of transactions for all of my accounts that I will then comb through for any reclaimable charges and supply me details of the department that may be able to locate my agreements. They are also sending back the £10 fee. I have the following defaulted from Natwest (all have fallen off my credit report in the last 2 years). Fell into problems in 2009 and have been making token payements on and off since: a non SB unsecured loan (post April 2007) - £16k outstanding Overdraft - £304 outstanding Credit Card (pre April 2007) - £3k outstanding Just wondering if I should have demanded more or if transactions and an attempt to find my agreements is a good start. Have just started to tidy up the mess from numerous debts. Natwest is the most complicated, largest amount I owe and surprisingly haven't chased, just send statements. They have used DCA in the past but seem to still own the debts Can anyone advise. Thanks