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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Natwest& Triton


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I CCA'd Natwest and received their reply last week and it turns out that my CCA is enforceable as has all the prescribed terms/signatures etc everywhere where it should.

 

Trition have sent me a settlement figure circa 15% reduction and as I have the money now I want to settle this ASAP with them.

 

I am though writing to Natwest to ask for my credit card charges back at the same time so I am just wondering on two points really:

 

a) If I take the Full & Final Settlement does this hinder/not allow me to reclaim the unlawful charges on the account if I have settled this.

 

b) As they do have a valid CCA and i am not disputing this, is this normal reduction for the F&F settlement or should I be trying to push for more (15% reduction has taken ages for them to accept!!)

 

Your views would be most appreciated

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Firstly I would write to the DCA saying that the account is in dispute due to their being a substantial amount of charges and say that it may even be the case that Natwest owe you more than you owe them (they may get very, very nervy at this and come back and say whoops ok well we'll offer you a 50%+ discount)....at the same time get all your charges back + 8% compounded interest......and as long as you have a F & F in writing and a recepit for your payment then you should be ok.....

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The charges amount to around £100 so it is not much, approx 3 years!! so probably inc intrest will be £125.97 (using 8% compound intrest) as a claim figure.

 

Amount Owed: £800

 

F&F Settlement: £670

 

This is worringly like my bill and they have then knocked off my charges and offered this as F&F.

 

I just wanted to double check that I can take the F&F and then claim them for the charges so I will then get an extra £130 knocked off in essence so I would of only paid £540 if you get my drift!!

 

Has anyone else done a F&F settlement and then claimed against charges when you have been given a reduced settlement( can/would the banks use this against you??)

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I would call their bluff, if you write to them and tell them that although you are checking you feel that if Triton have bought the debt with the rights and duties then you feel that Triton may owe you more than you owe them, on this occasion you are prepared to make an offer of £200 ex gratia as a F & F !!!

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Just got one of them stupid texts off them asking me to contact them urgently. When I called them out of intrest I said to the girl "So you have accepted £500 as a F&F settlement figure then!!" The poor girl didnt know what to say and apologised saying I received it in error as she could see Natwest have called them today re this.

 

I think I am going to settle now to get it out of the way with now while I have the money and then try to reclaim my charges back as Natwest confirmed just now that they are treated seperatly ( I asked them to put this in writing of course!!!)

 

Thanks for your help

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  • 8 months later...

Hi All,

 

I need some more help please with another creditor, I have CCA's them twive and both times received back this credit agreement with the T&c's, is this enforceable and what should i do next

 

hsbc.jpg

 

Any comments would be appreciated!

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