Natwest Loan CCA - Whats wrong with it? Can You spot it?!!

[BeerFun]

Hi to all, I have had a "copy" of my CCA for a loan back from NatWest (inside the 12 days),

 

Can anyone spot what is wrong with it? Yes, it might be a trick question!!! I think I know what is wrong, just what to confirm!

 

 

Image of NatWestCCA - Photobucket - Video and Image Hosting

 

And this was it, no T&C, I have deleted my signiture, name and address, so they dont count!

 

The loan is for £25,300 .

Edited January 16, 2009 by BeerFun

[paulwlton]

Hi to all, I have had a "copy" of my CCA for a loan back from NatWest (inside the 12 days),

 

Can anyone spot what is wrong with it? Yes, it might be a trick question!!! I think I know what is wrong, just what to confirm!

 

 

Image of NatWestCCA - Photobucket - Video and Image Hosting

 

And this was it, no T&C, I have deleted my signiture, name and address, so they dont count!

 

The loan is for £25,300 .

 

This looks like a recreated agreement....so how come your signature was on it?

 

Paul

[Sparkie1723]

Hi Beerfun

Question..................

1. did YOU sign this exact agreement????

 

As this agreement is over the Financial Limit of a regulated agreement...it is incorrectly titled and as it contains no terms and conditions not even reference to any ...it is totally and absolutely unenforceable and you are entitled to all your money back.

THere is no data Protection NOtice " fair processing notice".....breach of data protection legislation....I am sure as more info is provided by you, more violations of CCA legislation will come to light.

 

I believe sections 61 and 127 come into play here ....total unenforceability

 

sparkie

Edited January 17, 2009 by Sparkie1723

[paulwlton]

Sorry misread your post

 

The reason your signature is missing is because the agreement is recreated and therefore totally unenforceable

 

Paul

[paulwlton]

Notice the handwriting

 

[Josie8]

Notice the handwriting

 

 

 

 

Looks similar..........but it can't be can it??

[paulwlton]

I notice the recieved stamp is there to mislead

[Josie8]

I notice the recieved stamp is there to mislead

 

 

But that would be............gulp ..........an attempt to deceive the OP into believing they had to pay up............surely not :eek:

[kiptower]

£8+K where did the £25K go

[paulwlton]

It contains a sig in behalf of the bank

 

Oh dear

[BeerFun]

Thanks for all your comments.

 

My signature was on it (i have deleted it on here for security) but it was the correct signature of the time (my signature has changed since then!), the biggest thing I though was wrong was that the amount of the loan was over the CCA threshold and therefore it could be argued that I was missold the loan as I though that I was protected by CCA!!!!!!!!!

 

Should I use this arguement?

[Sparkie1723]

In my view these are recreated by the same person..........there is a clear attempt to cover the fact up but ...........there are certain letters and words that have not been disguised .....the "hooks" on the letters g and y are EXACTLY the same the word ..finance .....is clearly written by the same hand and the Capitals are exactly the same.....Fraudulently recreated in my opinion.

 

It is unusual for the creditor to sign before the debtor.......the alteration to the date you signed is not initialled......did you alter it or have they altered it?

 

sparkie

Edited January 17, 2009 by Sparkie1723

[kiptower]

also the "3" in 03 has been overwritten

[BeerFun]

Hi Beerfun

Question..................

1. did YOU sign this exact agreement????

 

As this agreement is over the Financial Limit of a regulated agreement...it is incorrectly titled and as it contains no terms and conditions not even reference to any ...it is totally and absolutely unenforceable and you are entitled to all your money back.

THere is no data Protection NOtice " fair processing notice".....breach of data protection legislation....I am sure as more info is provided by you, more violations of CCA legislation will come to light.

 

I believe sections 61 and 127 come into play here ....total unenforceability

 

sparkie

 

Sparkie, yes I did sign it, though at time did not know about CCA limits etc. I have lost my copy, though I do have an argeement that i didnt take out from a couple of months earlier which looks totally different and the details were printed!!!!!!!!

 

Did NatWest change the form ever 2 weeks, seems like it from all the different versions that peeps have on here!!!!

[Sparkie1723]

Thanks for all your comments.

 

My signature was on it (i have deleted it on here for security) but it was the correct signature of the time (my signature has changed since then!), the biggest thing I though was wrong was that the amount of the loan was over the CCA threshold and therefore it could be argued that I was missold the loan as I though that I was protected by CCA!!!!!!!!!

 

Should I use this arguement?

 

You say your signatre was on it and is correct for the time...the point I am trying to make DID you actually sign this particular document, you could have signed "a loan" agreement and they have lost it so they have recreated this one.....your signature "could have" been copied from another document you signed ...such as a cheque or what ever, so did you actually sign THIS document??? Got to be sure.....have you got the original by any chance somewhere??

 

sparkie

[BeerFun]

Nope the date is my handwriting, i recognise the 2 year old like scrawl!!!!

 

the date change is mine to, so they got that right, but the incorrect points required by CCA and the fact that the loan excedes the CCA limit is a little worrying for me. Surely it miss selling, which is a big FSA no no, let alone CCA?

[cadencealex]

In my view these are recreated by the same person..........there is a clear attempt to cover the fact up but ...........there are certain letters and words that have not been disguised .....the "hooks" on the letters g and y are EXACTLY the same the word ..finance .....is clearly written by the same hand and the Capitals are exactly the same.....Fraudulently recreated in my opinion.

 

It is unusual for the creditor to sign before the debtor.......the alteration to the date you signed is not initialled......did you alter it or have they altered it?

 

sparkie

 

 

What????

 

I thought they WERE both the same person... are these supposed to be from different years?!!

 

VERY BAD COVER UP

[BeerFun]

Oh, I have no memory of signing at that document! I remeber signing a document, just not that particular one, the info looks right, ie the repayments etc.

[paulwlton]

I'll post another recreated agreement shortly...you'll see it is the same person who has created them....this may be extremley serious!

[paulwlton]

Snap!

 

Forwarded to a Cagger Sept 2007.

 

http://i231.photobucket.com/albums/ee228/bedding4all/natwestcca-1.jpg

[fedup74]

Ooh this could be interesting. Subbing, I was going to say about the amount being over £25k...........that pales into significance. Oh dear:D

[Josie8]

Snap!

 

Forwarded to a Cagger Sept 2007.

 

http://i231.photobucket.com/albums/ee228/bedding4all/natwestcca-1.jpg

 

 

oh dear:roll:

[BeerFun]

When I first wrote to NatWest asking for my CCA, they set a letter stating that as the amount was over £25000, that it wasnt covered by CCA, when 3 days later that CCA loan agreement turned up!!!!!!

 

Now, should I write to Natwest or just go into the branch waving the copy and demand to know why I had been miss sold a loan???!!

[cadencealex]

This is terribly serious.

[Josie8]

When I first wrote to NatWest asking for my CCA, they set a letter stating that as the amount was over £25000, that it wasnt covered by CCA, when 3 days later that CCA loan agreement turned up!!!!!!

 

Now, should I write to Natwest or just go into the branch waving the copy and demand to know why I had been miss sold a loan???!!

 

 

Doesn't matter..............its unenforceable