Hi Tambo, here's a link for the subject access request post 10 http://www.consumeractiongroup.co.uk/forum/legal-issues/262588-natwest-loan.html

Sounds unlikely doesn't it Postggj? Wonder if the OFT would know the answer to this?

FFB, Bailiffs are not going to turn up at your door. If Natwest took this to court the DJ would look at your circumstances and set things at a level you could afford. Think it would be best as has been suggested to write to them now as otherwise the overdraft will be going up but explain the situ to them i.e. that you will be at college etc. The reason for writing is also that you then have a paper trail if they won't play nicely and it shows how reasonable you have been.

Oops, sorry forgot the second part of your question, I would send it to their registered address 135 Bishopsgate, London EC2M 3TP. I agree with you about their addresses but I think thats the one on Companies House website.

Hi Tink, not a cheque a postal order, we tend to be very suspicious on CAG!!

Expect you've seen this thread already but its good to revisit:) http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/200901-anatomy-default-notice.html

Funny they got the first one right and not the second but the addition of interest charges would make the second invalid surely? Either way if the agreement isen't enforceable, they're up the creek without a paddle, have a look at that link on CCA discussion from OFT about the law of assignment and anyway, why if they were so sure they could enforce have they sold it to Crackpot?

Well done FFB for thinking ahead and getting your parachute bank account in place. I am attaching a link to a discussion whether overdrafts are covered by CCA 1974, the link says that they are covered by section 10 of the CCA and you can find a copy of Consumer Credit Agreements 1974 in CAG Statutes library. You should also consider doing a Subject Access Request which will cost £10 postal order and you should not sign the request, template in the debt collectors library. Hope this helps:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/237096-overdrafts-covered-ccas.html

Hi Tink, as Thailand says there is some confusion re overdrafts but am sending you a link which I hope will be helpful. Yes, certainly CCA the loan and you could Subject Access Request to gain all the information on both the loan and the overdraft, this costs £10. same drill, don't sign and postal order:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/237096-overdrafts-covered-ccas.html

So sorry to hear this news, hope he'll be better soon and back where he belongs on CAG:-(

Good to hear positive reports

Its all looking good for you DM, unenforceable agreement, no letter of assignment, two default notices with different dates, fab, think you should keep the second one up your sleeve for if/when they commence court action. You will get heartily sick of their yellow headed letters, one minute cajoling, the next threatening, I think I posted a link to the quote from Susan Edwards of the OFT on Fred's thread, I have used this a lot in correspondence with Crackpot!

Thats the spirit Count, keep the drawbridge of the castle up!

Good evening Count, Crapbot are even more desperate than the big orrible hairy Ogre, use the drop down search box on Cabot to get a feel of their antics, apparently their company is loosing millions so basically they have no pride and will chase after anything. Send them the following linked template:- http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

Hi DM, I bet that assignment from Cabot said "representation of a letter sent" - have you had a default notice from Sainsburys? If they haven't sent one or its invalid I was thinking you could go along the route of unlawful recission, below is a link to Fred Bassett's thread which you may find interesting:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/86614-fred-bassett-halifax.html

Have a look at donkey's post 26, there is a link to the public register there.

Poor you, what a horrible situation, the only way I can help is point you in the direction of the drop down search box, type in charging orders.

Hi Gill, you might want to look at the unlawful recission of contract aspect as you have two invalid default notices and 1st Credit now have the account.

Hi Horsemad, well they may have fulfilled their obligations but its enforceability in court that will matter. A subject access won't hurt but since they have had to come up with a reconstructed agreement that probably won't produce it either, have a look at Fred Bassett's v Halifax thread, there's a letter on there which may suit your case and I am also including a link below which I have found helpful in my endeavours:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/211306-new-tack-supplying-cca.html

Hi Tomtom, yes definitely fire off a CCA request, letter in the debt collectors library, enclose £1. postal order and don't sign the letter. You can also do an SAR request enclosing £10 postal order and don't sign, this should give you all the information associated with the account including telephone calls. The likelihood is that owing to the age of the account they won't be able to comply with the CCA. Be prepared for lots of telephone hassle once they realise what you're up to, thats when you say "in writing only* and put the phone down and follow that up with the harassment letter. They have 12 + 2 days to comply with the CCA, when you get something, remove personal details and post up for peeps to have a look at using one of the free imaging sites such as photobucket. Good luck, don't forget we're all here to help you:)

Best to wait for result of CCA, when they know they haven't got an enforceable agreement thats usually when you get their kind offers of percentage off alleged debt.

Any news on this Valdez?

Hi tambo and welcome to CAG. You have set out all your problems very well and I am bumping this, no doubt someone with experience will come along soon, if not now on the evening shift. Hang in there:)

here's another. If you make a full and final offer,make sure you have a paper trail on this and part of the deal should certainly be removal of default;- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/211306-new-tack-supplying-cca.html

OK, here's one: http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal-7.html#post2956111 Rather than me posting multiple links which I don't know how to do (doh!!) have a look at the Statutes library under CCA 1974 and look for Consumer Credit Default Notices etc. Back in a mo!