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angryandy

Can I Claim Money Back?

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Hi

Just a quick thread for a bit of help or advice please.

In march i asked Moorcroft for a copy of my cca as they were working on behalf of the Natwest Bank for a loan i had. I sent my £1 po to them and about a week later i got a letter directly off the bank stating they had 'misfiled or misplaced the agreement'. The letter stated they couldn't enforce the debt at a court so it was basically written off :lol:.

My reason for writing now is since looking at other threads on here is it possible for me to claim any money back i had already paid to the bank and moorcroft over this loan. Any help or advice would be greatly appreciated as i am not good on this side of things.

Thanking you in advance Andy


Andy...

 

 

 

 

 

 

 

 

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well i suppose the question really should be asked, did you have the money in the first place?

i know what you are thinking but thats a bit cheeky!

 

was it an old statute barred loan or WHY?

 

no cca just means they cannot enforce the debt, so could write it off as they have done.

it doesn't mean it was an unlawful agreement from day one.

 

more history please!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks dx

Its a bit of a long story but i got a loan off Natwest in 2005. Was paying that off and then me and my partner found out we were having a child so went back to Natwest for another loan. They told us we were not allowed two personal loans on one account but they could give us a consolidation loan to pay the first one off and have a bit more money etc etc. They also stated that we would have more in the account than we thought because the first loan was getting paid off early so we would get some of the interest back. Hope you are following all this as this is where it starts to get messy.

We made our first payment to the bank for our consolidation loan and then two weeks later they took more out for reasons unknown to us. We phoned the bank up to find out what was going on and they said we had two seperate loans on the account we had to pay back. We explained that you are not allowed two seperate loans on one account and all we got told was 'you spent the money you pay it back'. Again i explained we were told we would have more in than what we were expecting because of the interest but still got no joy.

I phoned someone else up because the first person i spoke to was rude and dismissing everything i said.

I got through a second time where i was told the person who set up my loan was a new employee and he had set it up wrong. To my disbelief they still said that because i had spent the money i still had to pay it back even though they had admitted it was set up wrong.

I continued to pay both loans for a short while and then realised i shouldn't.

After finding this great website i 'had the loan wrote off' as such but i believe the way i was treated by Natwest i should get everything i can out of them. Hope this helps you.

Thanks again


Andy...

 

 

 

 

 

 

 

 

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.......urm interesting situation.

 

ithink you really need to know where you stand and what money you have had and what they have written off.

looks rosey though, but i bet its not.

 

my pers thoughts would be to SAR NatWest and find out exactly what info they have and complete A/C history for both loans. then move on from there.

 

i don't honestly feel there is any chance of you getting back money paid against a loan they have written off , but any payments direct to a DCA might get interesting.

 

thats all i can suggest, SAR them and lets look see.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks again dx. Will let you know what happens.


Andy...

 

 

 

 

 

 

 

 

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