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Everything posted by TheUnknownStuntman

  1. Thankyou, i have sent the £1 PO uncrossed and blank, that is correct ? I have been having a good read. Thanks for all your help on this dx100uk, I really appreciate it.
  2. So I sent Cabot a CCA letter today, what do I expect to happen now?
  3. Thankyou, so lastly is it possible that this debt will go to a DCA, (Debt is over 6 years old now and Natwest are unable to provide the original terms and conditions). I have read that if a DCA does a check on you it can effect your credit file negativity. I have managed through hard work to get my credit file back up to excellent after natwests default has now dropped off.
  4. ahhhh OK, thankyou for all your help. I will send them a CCA and await response and again thankyou.
  5. Thanks, I have binned their letter, I guess I just send a CCA template letter to Cabot offering the same amount every month and safe to ignore phone calls ? again thanks for all your help.
  6. but I thought by being in contact with me about the loan that prevents it going back statue barred, the debt is now over 6 years old. Thankyou for replying.
  7. I didn't send wescot a CCA request, can I not just ignore Cabot like I did wescot ?
  8. Hi Guys, Need your sound advice again, The Mrs got into trouble paying her credit card and spoke to lloyds and arranged to pay Lloyds back £5 a month. This was a few years ago. Then Wescot starting sending her mail but we ignored it. My Mrs still pays Lloyds back £5 a month however recently she got a letter from Cabot asking her to contact them about the debt and they have taken over from wescot. I tore up the letter thinking its just another DCA. Now they have been attempting to ring her. She is worried how they got her mobile number. Did I do the right thing? is it just another DCA trying to get her to pay more. Like I said she still pays Lloyds £5 and hasn't missed a payment. Any help would be greatly received, Thanks
  9. No, they said I have already had a refund which I clearly have not and they just became awkward about it. I have a ppi company chase them but they wanted me to prove they owe me money.
  10. Sorry to drag this back up but I have now stopped paying them and the default has dropped off, however Natwest still send me an account summary every six months because they are to do so by law or something, Because they are doing this, does this stop the debt becoming statue barred ?
  11. Morning Guys, I know this is off topic but I am wondering if you kind gentleman can assist me once again. RBS have replied to my PPI claim saying that I cancelled in the cooling off period and got a refund, I have no recollection of this and basically they are saying that if I want to contest it then I have to prove it. I have attached a copy of the letter. again I have no recollection of cancelling it, let a lot taking out ppi in the first place. what options do I have if any ? Again guys, thanks for all your help with everything.
  12. Thanks so much guys. just a quick question. Do banks always reply to a ppi claim or can they ignore them ?
  13. Good Afternoon everyone. As the title says, My wife was struggling with a credit card with Lloyds which she contacted them and they started the process of stopping the card and put the account into default. recently she got a letter from Wescot saying that the debt is now being managed by them. She recently has just started a new job and got her first wage. spookly, acouple of days after, wescot have texted her saying please get in contact so we can review your account. she is scared that they have seen money come in and she worry's about anything and I have told her to ignore the text but just wanted to make sure. We are not even sure how Wescot have her mobile phone number Thanks Guys
  14. I sent a PPI claim letter to Natwest 3 weeks ago and have heard nothing. How long do you normally have to wait? Will they actually reply or just ignore it?
  15. Hello, thank you for you reply. Can I ask how you went about claiming PPI against the default with NatWest. NatWest have confirmed they don't have enough data on the actually loan so they wont know whether I did or did not have PPI ? Thank you
  16. Thank you for this invaluable information. I will stop paying right away, never thought about claiming PPI on it, pretty sure I said no at the time though. but with no details on the loan do they know that ?
  17. So got a response from the National Debtline regarding my situation. The creditor could seek to issue a claim against you in the county court and it would be at the discretion of the court whether to grant a judgment. The court would be able to grant the judgment even if there were no original agreement or terms and conditions. You will require legal advice to establish whether any such claim should it be made would be successful or not as this is likely to ultimately determine whether you seek to repay the debt or not.
  18. Good Morning Guy, Spoke to Citizen Advice Debt Department and they said that the CCA request does not stop Nastywest taking me to court or getting a CCJ. They said websites like this give false information. They also said that Nastywest will try to report me as bankrupt so the best thing I can do is offer a settlement and pay off asap. Is this true, can Nastywest declare my bankrupt and that appears as a separate point on my credit report. Also is there a template letter when replying to a unable to provide the original terms and conditions. Thank you for all your help so far guys..
  19. I am really uneasy about just stop paying. I don't want the fact the default will drop of my credit report next year be effected in any way. Letter says that the default only prevents them pursing the debt thought court.
  20. Good Afternoon. I was wondering if someone can help me with some questions regarding an old debt I have. About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care. At the time I was paying for a Loan from NatWest. I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help. 3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no. On the 3rd time I spoke to the General Manager who said to stop paying the loan and we will be in touch to arrange a lower payment. I was unaware what this actually meant but did it. 5 Years on I have a default and debt owing to NatWest, However they have got Westcot to manage the Debt which I pay a token payment of £1 a month. Recently a friend told me about the original terms and conditions tactic. I wrote to Westcot asking which they told me they only manage the debt I then wrote to NatWest who have replied saying they cannot find them or have enough data and that the debt is not enforceable however because I'm in default this only stops them not pursing in court. The letter says please continue to pay because it they don't they will use what ever means by the law to get the debt back. They also say the Debt is still Valid and please contact them to arrange payment if I haven't already done so. My question is what do I do now? My Default will drop off soon and I don't want to cause a issue which could stop that happening. This is the only debt I have and its effects my credit score. What should I do? Any help with be greatly received. I have attached the letter.
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