Nat West - celebrate! - I think!

[JK36]

When I checked my credit file yesterday to look fior the start date of one of my cards, I noticed that my debt balance had gone down.

 

So I counted up the number of credit cards and found one missing.

 

So i checked them off -and found - that my Nat West Visa card has gone! Best part of £10k including all the extra interest and charges they have put on

 

I haven't heard anything from them at all, though someone I know had this happen with one of her cards.

 

Anyone else had this? Is that it? Can I file this one away now as a success?

 

Thanks

 

JK

[peter1234]

hi when was your card taken out

have you got a cca

[JK36]

Took it out Jan 2002.

 

I CCA'd them and never had anything back except standard T&C sheet

 

few stroppy letters saying they had sent me all they needed to send me....

[JK36]

Interestingly this bunch are still chasing me for the debt even though it now doesn't exist.

 

I had a letter from Triton not long after which I assumed just came because they were slow updating records. Today I have a letter from green & Co which i might post up late if I have time, its funny.

 

Interesting from letterheads that Triton are a part of RBS and Green & Co ar "the practising name of solicitors emplotyed by the Royal bank of scotland group"

 

I am not taking any notice of the letter I just wondered does anyone know re Credit File, once it's off presumably its off, they cant reinstate it later?

 

(There was never any response to CCA except standard T&C)

[surprise]

When this happens it usually means they've sold it on or are about to. No doubt a DCA will contact you in the near future. At that time just point out to them that as NatWest failed in their obligation to provide you with a copy of a signed agreement you would suggest that they pass it back to them as you consider this to be harassment and as such will be reported to OFT.

 

I would send this letter to Green & Co.

 

I refer to your letter of xxx received xxxxxx

 

Frankly, I am surprised of the need to remind a firm of Solicitors about terms and conditions surrounding my requests to your client for a true copy of my Consumer Credit Agreement (Consumer Credit Act 1974); received by NatWest on xxxxxxxxxx. I can only assume therefore that they failed to inform you that the above account is in dispute.

 

Should your clients now persist with threats of legal action, I will welcome the opportunity for a judge to look at several offences committed by NatWest under the Consumer Credit Act 1974, as well as your client's non-compliance with and total disregard for the law on this occasion.

 

yf.

[JK36]

So when they sell it on do they take it off the credit file?

 

Sorry for my ignorance, I've not had this happen before.

 

there is no CCA so they can sell to who they like!!

 

Would have been nice to be able to stop doing letters on one of them though.......

[surprise]

Yes, they take it off your file thats what makes me think they are about to sell or have. Unfortunately, because there is no agreement doesn't mean that the debt doesn't exist. Unless the debt is actually written off you can be chased for this for at least six years from when you last acknowledged it. After six years it becomes statute barred and thats when the lowlife start buying and chasing and hope you don't know your rights. There are cases where caggers have been taken to court and lost even though there was no signed agreement. Just depends on the Judge's knowledge on the day.