Getting my loan written off..

[Hotdogs]

Hello, I'm new to the site. After watching the Panorama programme, I decided it was worth asking NatWest (who my loan is with) for my credit agreement. I had my phone call returned the next day by a snotty bank worker telling me I should not call that branch as that was not the branch with which the loan was taken out. I told the lady she was wrong and again requested my credit agreement. A couple of days later the lady calls and tells me the credit agreement could not be located. After reading posts on this site I therefore believe my loan to be unenforcable. Could somebody please advise me what to do next. I do not want to pay solicitors fees. Thanks for any advice.

 

Hotdogs

[maroondevo52]

Hello and Welcome, Hotdogs.

 

When was the loan taken out ?

 

Regards.

 

Scott.

[Hotdogs]

Hi Scott

 

This was taken out in January 2005.

 

Thanks

[maroondevo52]

Hi,

 

Send a CCA request with a £1 Postal Order and send it recorded, don't sign the request, just print your name.

 

Letter 'N' in the library.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Keep this thread updated and you'll get more help when you need it.

 

Regards.

 

Scott.

[Hotdogs]

Great, thank you for your help, I will give this a try and keep you posted.

[Guest mickjo]

hi this is my first time.i would first of all like to thank everyone for the help on this site.i have been contacted by a firm saying that i can get my bank loan writing off but first i have to send them £100 to get the ball rolling. the its going to cost me £39 for every correspondence.and if i win the claim i will have to pay them a third of my loan that has been wrote off.i took out the loan in 2002 when i went into the bank to ask for the loan they took all my details and ask how much me and my wife was earning after i told them and they said i could easily afford the repayments i said i dont know if i could i would like to go home and talk it through with my wife but they kept on and on saying i could afford it. the lady even went and got another of her staff in the room to persuade me to sign the form.after about an hour i got fed up and signed the loan form thinking i will cancell when i get home but i could not contact them by phone.i went back to my bank to cancell the loan but the i was told that the person hat was delt with my loan was on holliday and i would have to wait till she got back.by this time the cooling off period had gone.i have sent a CCA request please could you advise me what to do when i get a reply from my bank.

kind regards

mickjo

[dx100uk]

i'd post a new thread in the general forum or the forum of your banks name,

not piggy back an existing old thread.

very few will see your post,

 

dx

[Guest mickjo]

thanks for that dx im new to this

rgards

mick