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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

afishcalledwanda

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Everything posted by afishcalledwanda

  1. afishcalledwanda
    So, to clarify, no response from either of us at this time, even if they do find a CCA (which my name will definitely not be on) the added interest in the interim will be unenforcible. Do I have to CCA request Natwest directly, I have only CCA'd Moorcroft so far and it was then that they ceased interest in the debt and informed me of the situation and forwarded the letter from Natwest to them. Wanda
  2. afishcalledwanda
    I am still waiting for NatWest to return the SAR this has only been a week so I am not expecting it anytime soon. This morning we received the attached correspondence in two seperate letters, referring to an alleged loan my wife took out, they have separated this from the larger sum they merged and kindly added me as well, as you know, they are unable to provide a CCA for these alleged debts. My concern is two fold , how have I been added and why has interest been added, even though this is a small amount. I thought when an account was in dispute everything froze. Do I need to pen a letter? As always any advice gratefully received Rgds Wanda NWBCMS.pdf
  3. afishcalledwanda
    Glad I checked. I suppose the ball is in their court really as I have stopped payments. I will resend a SAR in the meantime.
  4. afishcalledwanda
    I have just written this letter for NatWest, is there anything further anyone thinks I should include? Or maybe it needs toning down, as always any advice is appreciated. Natwest Acc in dispute blanked.pdf
  5. afishcalledwanda
    Thanks for the advice, I will contact the DMP tomorrow, did you contact the lenders first or wait until they wrote to you.
  6. afishcalledwanda
    I'll scan them and upload tomorrow, quite a bit of blanking to do and a lot of forms. Thanks for your help
  7. afishcalledwanda
    Hi dx, Would you SAR and stop payments? My only worry is they uncover something at this juncture. I know you are not the 'I told you so types' but aren't the DMP's supposed to check enforceability/legality before setting up arrangements, not trying to pass the buck but at the time my head was not in the game.
  8. afishcalledwanda
    Think you are right regarding SAR, there were charges etc on the joint account, altough they didn't refuse the SAR they called my mobile (no idea where they got the number from) asked what info I wanted all via phonecall and I misguidedly said PPI, not sure I want to request it again though as I am quite happy at this moment in time without them delving any further. We cannot remember signing a new agreement in 2008, they must have merged these debts when we entered the DMP in 2012/2013.
  9. afishcalledwanda
    Is this likely to continue past the 2019 date? Apart from the obvious is there no way of stopping the correspondence?
  10. afishcalledwanda
    On my Checkmyfile report it shows a D for every month since I last paid, it has the Default date as the beginning of 2013, are we saying that in Feb 2019 that it will no longer be visible?
  11. afishcalledwanda
    Hi, Yes, we sent them a SAR and CCA request, they responded to both and have the signed hire agreement.
  12. afishcalledwanda
    I'm loving that ethos Renegade, however, if they continue to default will this ever 'drop off' my credit file and what could the statement 'may take such actions as are legally permitted to recover the outstanding debt' mean at its worst.
  13. afishcalledwanda
    Thank you for starting a new post dx These are as you say merged debts, the loan was started in Aug 2008 which now makes up £3900 of the debt, a debt from 1995 (current account) £1700 and the remainder£15,300 from 2003 also current account. The amount showing as Current Account is from a Mastercard which was linked to the account, they obviously made this an overdraft when we hit trouble. These are the details on our Experian Credit file. The SAR I submitted (x2) were returned with the postal orders and we were referred to their PPI complaints dept, after a 2 week wait they wrote to us to confirm they have no record of PPI on our account(s). Rgds W
  14. afishcalledwanda
    Just received this in todays post from Moorcroft declaring themselves no longer responsible for the collections on this account. They have enclosed correspondence from Natwest stating they are unable to locate a CCA preventing them from 'Pursuing recovery' of the debt through the courts. I have attached both letters for perusal. Can anyone advise as to what we are supposed to do next? Sorry admin for continuing this on this thread, please feel free to move it to a more appropriate new thread. Rgds Wanda Moorcroft2.pdf Natwest2Moorcroft.pdf
  15. afishcalledwanda
    Sorry for earlier misinformation, I have come home and Moorcroft, who are administering our 'perceived' NatWest debt have sent us this letter, I was certain I had received this back already but reveiwing records it seems it is just the SAR that I got back. What next, and what does this mean? Attached now in PDF Rgds Moorcroft No CCA.pdf
  16. afishcalledwanda
    As advised we CCA req'd the relevant companies & SAR'd the ones advised, Santander came back with outstanding PPI they all responded with CCA agreements, signed by ourselves, a couple did take a while to respond but we had them all within a 3 week period. We have just had the remainder of the SAR request returned, which we will use as leverage when finally settling the debt. The question really is do we approach the individual companies regarding a payment plan and is this a straightforward process?
  17. afishcalledwanda
    Currently been in a DMP for 4 years with Beech finance. We are paying about 30% of our payment per month to them and would like to ultimately take control ourselves so more of the payment can go direct to paying debts off. Don't know where to start with this so can someone please point us in the right direction. Is it an easy process? Like the fact that we don't get hassle from people we owe to but I am sure it will be worthwhile paying them the extra 30% direct. Any help greatly appreciated Thanks
  18. afishcalledwanda
    Just posted 14 CCA/SAR requests recorded delivery, the queue behind me in the PO was epic. Thanks again for your help, we will keep you updated.
  19. afishcalledwanda
    Hi unfortunately not - we had a big house move/relocation at the start of the DMP and imagine most paperwork was lost in the move
  20. afishcalledwanda
    We told them we could no longer keep up the lease payments and requested they came and collected the car, they subsequently billed us as we signed a 3 yr deal and returned the vehicle 12 month early.
  21. afishcalledwanda
    The Lex Auto lease was for a Vehicle we had on a 3 yr deal (lease deal only not PCP, HP etc) and had to hand it back 12 months early, we knew we would incur penalties for this but at the time we had no option, once we entered a DMP it seemed sensible to include this figure as well. I will take you advice and use the readily available templates for the SAR & CCA requests. Thanks again, I will obviously keep you updated
  22. afishcalledwanda
    Attached is today's updated payment info from the DMP Beech Doc.pdf
  23. afishcalledwanda
    Hi, really appreciate your advice, however because there is light at the end of the tunnel we really don't want to poke the hornets nest and end up with DCA's knocking at the door. I know this is a bit of a cop out and I am know your advice is solid, I am just extremely wary about being dragged through CCJ/bankruptcy etc especially with a family to think about. If you believe the CCA request is an option then we can request them, what if they have no record? Are they legally obliged to scrub the debt or is it more about leverage when trying to settle a figure?
  24. afishcalledwanda
    We never amalgemated the NatWest accounts and I am not sure if the payment goes to Moorcroft or NatWest, it certainly passes through Moorcrofts hands. So my next step is to send a CCA request?
  25. afishcalledwanda
    Natwest loan made up of overdraft, mastercard and also a natwest loan which have been combined into one

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