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    • Yes only with dwf. The first letter I received was explaining that I have not responded to the first letter they sent which I did not receive at all  then the second letter came, they said again saying we have not heard from you we are extending this another 14 days but at that point a couple of days before I called them on the phone saying I have received this and supposedly i owe money for stolen goods and that I need to see the breakdown which they then emailed to me dwf said this was what we were trying to send to you at first and I told them we have not received your first letter only one asking for demand of payment. On my second call to them I asked can you list the things that I have supposedly stole to which they replied “we normally have this on file but I can’t seem to find this on your file”   
    • oh well, at least your eign of terror is over now. so no contact directly since from/to sainsbury's. everything since has only been with DWF?
    • Replying to above  this was on the day that two store detectives approached me and my friend and took us into the back room and spoke to us when they explained they have been watching
    • as my learned friend above...and.. sadly because just like DCA's and initially yourself in this case, you believed they have some magical powers ...they DON'T. 85% of people blindly pay DCA's cause they know no better and think they are BAILIFFS. only the RETAILER can ever do court and none have done this on a silly member of joe public that did something stupid since the infamous 2012 Oxford case on retail loss. BAILIFFS can only ever be involved after you've been to court and lost a CCJ, fat chance re above... and anyway, no BAILIFF has any right of forced entry anyway on consumer debts even with a judgement so......... stop panicking and thinking everything that doesn't apply.. forget about them but p'haps a confidential GP visit might be a very good move... what slightly concerns me more here is:  who are 'them' that told you they'd reviewed a week of CCTV and come up with several shoplifting instances over that time amounting to the above? have you directly contacted or had contact from Sainsbury's? and know they HAVE done this? or is this DWF willy waving and they tricked you into  admitting several previous successful thefts... this is not the norm...  dx      
    • next step then await the N157 from her local court giving the time and date of a future hearing some month in the future. now she MUST file a witness statement 14 days (typically) to both the court and kearns .  so cant allow to much of a time lag before you are aware of that and get her WS done. wack us up 2 multipage pdf files please  one of what they returned for the CRP reply . and one for everything they sent back in 2022 you've found.  we do not need statements. ideally it would be nice to see their WS before hers is finally filed. dx  
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Natwest CCA- What happens if........


eyepunky
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Hi All,

 

I have a major debt with natwest, after paying the debt for 3 years, it doesn't seem to be shifting, in fact the last statement i got showed extra amounts that i was not aware off?,

 

So i have CCA'd them last week. I've read all the other threads and think i am now cluded up, although i can see me spending alot of time here asking for help.

 

But just wonderng if anyone had any experiance with Natwest and CCA if they can't produce?, have they taken things further (i.e court) or just let the debt be??

 

Cheers,

Dave

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Hi Eyepunky and welcome to CAG

 

Ok a logical process to sequence of events after requesting copy CCA:-

 

1.They wll comply and send a copy be it an application form or an actual CCA.

 

2They may send a reconstructed of what you may have signed

 

3.They may ignore your request

 

The ball is then in your court, do you maintain payments? do you cease to force the point?

 

If they feel that what they have provided is sound enough (legally) they will then instigate litigation proceedures.They may well do anyway in the event of what having sent is considered good enough for you and you will not defend the claim ,they will attain summary judgement.

If however they feel that they are not on solid ground they may pass the debt to a DCA who will terrorise you till you make payment.The DCA will not instigate proceedures unless said debt has been assigned completly to them.Should that happen we can show you how to get the debt back to the OC.,and so the cycle begins again.

 

In your particular circumstance i would advise a full S.A.R of account

 

I trust the above is of some help

 

Regards

Andy;)

Edited by Andyorch

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  • 2 weeks later...

Hi all,

 

Just an update on this, natwest are coming up to the 12+2 days and i have not received nothing from them.

 

What would anyone suggest i do?, Do i continue paying them until the +30 days are up?, or stop now?

 

Cheers!

'punky

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There is no 30 days now.

 

After the 12 + 2 you can stop payment, if you want until they produce the CCA.

 

This is for a credit card/loan not bank account?

 

ida x

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they have taken the 30 bit out as was never (i think) persued.

 

as above just need to wait and see if they come up with anything

 

 

idax

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..sorry, posted itself!!

 

as i was saying, i am going to offer to pay them £5 per month until my CCA arrives, would this be a good thing to do? (as i can see this eventually getting to court, knowing my luck!!)

 

Cheers

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Hi All,

 

I have a major debt with NatWest, after paying the debt for 3 years, it doesn't seem to be shifting, in fact the last statement i got showed extra amounts that i was not aware off?,

 

So i have CCA'd them last week. I've read all the other threads and think i am now cluded up, although i can see me spending alot of time here asking for help.

 

But just wonderng if anyone had any experiance with Natwest and CCA if they can't produce?, have they taken things further (i.e court) or just let the debt be??

 

Cheers,

Dave

 

If Natwest have lost the original they will create one. However , the creation will not be enforceable by a court.

 

I would also send a S.A.R - (Subject Access Request) off.

 

How much was the original debt for?

 

Was the debt for a loan, credit card or overdraft?

 

Where are your accounts being processed?

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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If NatWest have lost the original they will create one. However , the creation will not be enforceable by a court.

 

I would also send a S.A.R - (Subject Access Request) off.

 

How much was the original debt for?

 

Was the debt for a loan, credit card or overdraft?

 

Where are your accounts being processed?

 

 

 

Watching very closely.

 

sparkie

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If NatWest have lost the original they will create one. However , the creation will not be enforceable by a court.

 

I would also send a S.A.R - (Subject Access Request) off.

 

How much was the original debt for?

 

Was the debt for a loan, credit card or overdraft?

 

Where are your accounts being processed?

 

Hi there, cheers for this. I will get a S.A.R request off on monday. Orginally it was 7K, it is a unsecured loan with Natwest, I'm currently with payplan..paying natwest through them.

 

Ta

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I did advise that in Post 2 29th July Eyepunky

 

Regards

 

Andy;)

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