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

[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

[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

 

[paulwlton]

I notice the recieved stamp is there to mislead

[paulwlton]

It contains a sig in behalf of the bank

 

Oh dear

[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

[paulwlton]

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???!!

 

I would hold tight...where was this agreement sent from.

 

I've pmd you my email

 

Paul

[paulwlton]

Thanks Josie,

 

 

 

I received it from East lending centre, via the Credit Management lot at kendal court, as thats whos address I had for writing to.

 

They had tryed to take me to court last year, twice (they wanted bigger payments!), but every time i went into the court NatWest didnt send anyone, so the judge just asked me what i wanted to do, and I said "pay a small amount each month" and he agreed!!

 

Better if I can just get rid of it!

 

CMS Telford.

[paulwlton]

That is completely illegal Paul - why haven't you done anything about this?????

 

Recreating agreements means fabricating them

 

ILLEGAL

 

I have tried.

 

How trustworthy is your bank? | Money | The Guardian

MP fears bank's phantom paperwork may be just the tip of an iceberg | Money | The Guardian

Couple stung by £100,000 ‘secret’ loan - Times Online

[paulwlton]

I guess that the banks dont let it get as far as a court incase a preidence is set against them going this? I Hope!!!

 

I wouldn't be too sure on that their lawyers use every dirty trick possible, including: failure to submit documents, misleading the court, ambushing the litigant in person with documents they are seeking to rely upon just minutes before an hearing, character assassination, the list goes on, unfortunatley the DJs have fallen for it. Sparkie and D&D have come across simillar tactics.

 

Paul

Edited January 17, 2009 by paulwlton

[paulwlton]

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.

 

You have no memory of signing this particular agreement because you didn't.... the agreement was created at CMS Telford in 2008.

 

I suggest as a matter of urgency you forward CMS Telford a Subject Access Request.

 

How much is outstanding on the loan and when was it sent to CMS?

 

Has a CCJ been obtained yet for the outstanding amount?

 

PW

Edited January 17, 2009 by paulwlton

[paulwlton]

They have agreed to reduce the sum from £23500 to £17000, if I make over payments.

 

No CCJ, but did take me to court seeking due to failure to maintain a Tomlinson agreement ( which we had agreed after a Default), but they failed to turn up and the judge sided with me and said that I only need to pay a minimum monthly sum.

 

Interestingly the court also detailed the sum as £17000!

 

The good thing is that they would have to go in front of the same judge if they wanted to try for a ccj, in which case i would just take the copy of the CCA they sent me, and argue that it was miss sold.

 

I can think of stronger aruments than "miss sold"

 

I would send somethink like this.

 

 

SUBJECT ACCESS REQUEST – DATA PROTECTION ACT 1998

 

 

As per my rights under the above Act, please send me details (in a legible format) of ALL data from ALL relevant filing systems held by yourselves that in any way relates to me as the data subject.

 

I expect that this information will include (but is not limited to) the following:

 

Copies of any regulated consumer credit agreement between us

Copies of all statements of any account held by you on me

Copies of any computer or manual notes in relation to any account held on me

Copies of any and all letters sent by you to me

Copies of any and all letters sent by me to you

Copies of any and all written communications to and from any 3rd parties that relate to me

Copies of all telephone call transcripts made in relation to any account held by me

Copies of any record of times/dates of any telephone calls made in respect of any account held by me

 

I also require that you forward to me data relating to any automated internal debt monitoring system used by your organisation which relates to me known as a router account.

 

 

I enclose the statutory maximum fee for this information of £10 and understand that you must comply with this request within 40 days of receipt of this letter.

 

 

I look forward to your prompt response.

Edited January 18, 2009 by paulwlton

[paulwlton]

They had you sign "a loan agreement"..

The question one was it this one.

To prove you did and to be able to enforce it on this aspect alone...they must produce the original with your signature on ...not a copied signature.

 

sparkie

 

This is a copy of my original loan agreement CMS recreated after forwarding recreations of "loans that didn't exist". it is plain and obvious that this is the work of one person. Now the only way that your agreement could be genuine is if the person recreating the agreements worked at the branch you took the loan out at in 2002....think about it?

 

Who agrees?

 

Edited January 20, 2009 by paulwlton

[paulwlton]

Need to get a hand writing expert to do an analysis, that would prove it!

 

I believe your local economic crime unit will know a hand writing specialist.

 

Paul

[paulwlton]

Oddly enough, Natwest seem to be ignoring all my letters requesting clarification of the CCA they sent. Think that they are hoping that I will go away.

 

As I have a tomlin agreement with them, I think that I will apply to the court for a stay on the basis that they dont have a valid CCA.

 

Will see what their defence is to that ie: if they claim they have, then use that to force a true copy, if they sya they dont, then seek a strike out of the loan!

 

They've failed to supply a true copy....where's the terms and conditions?

[paulwlton]

The second ploy, we hear on the grapevine, is that they take your signature, when you write to the lender requesting a copy of the

Interesting.

 

 

Consumer Credit Agreement, and copy it onto a generic agreement. (Or if we do it for you, they take the signature from your consent form which we send to the lender.) This agreement is sent to you as the ‘original’. In fact it’s a forgery. A word of advice: if you have a little used signature, send that one off to them instead and see which one comes back on THEIR ‘original’ agreement.

[paulwlton]

It is plain and obvious that all the agreements posted so far on this thread are the work of one person... this person resides at CMS TELFORD.

 

Paul