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Grumpy's son - NatWest CC

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I want to put this to bed for son


Thinking of (him) offering to make payments provided that they remove all defaults & adverse comments on his CRA file. Might need to remind them that he will be repaying a gift ... and they can't register a default on a gift with a CRA (ha might not have had a default note anyway)


I think that he could probably manage £1 per month



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  • 4 weeks later...
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Well, Nasty west have confirmed that my totally illegible application form was in response to mt s77-79 request. Apparently it forms part of the credit agreement.


Naturally I will be writing back to ask for a legible copy and the remainder of the credit agreement as well as reminding them that the account remains in dispute until they have fulfilled their obligations.

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Here's the exact regs you need:


Consumer Credit (Cancellation Notices and Copies of Documents)

Regulations 1983 (SI 1983/1557)



2 Legibility of notices and copy documents and wording of prescribed Forms


(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily

distinguishable from the .

(2) The wording of any Form prescribed by these Regulations shall be reproduced in copies of unexecuted or executed

agreements or in Notices of Cancellation Rights sent [by an appropriate method] under section 64(1)(b) or (2) of the Act

without any alteration or addition, except that--

(a) the creditor or owner may enter the name and address of the debtor or hirer in any Cancellation Form prescribed

by these Regulations; and

(b) every Form shall be completed in accordance with any footnote.

(3) Any such footnote shall not be treated as part of any Form prescribed by these Regulations and may be reproduced

in addition to any such Form.

(4) Where any such footnote requires any words to be omitted, those words shall be omitted or deleted.


Courtesy of pt2537

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Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.


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BB 13 - DCAs/banks and solicitors 0.


I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...


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  • 3 weeks later...

After a letter reminding NastyWest that they haven't supplied a valid CCA, they replied saying that if I send £1 they will have 12 days to supply it. Well we agree there but they are thinking that they will get another £1 & restart the clock.:confused:


Letter on its way to remind them that the clock is at 7 months and running and they can forget about being paid again.


I also took the opportunity to suggest they get their facts right before writing next time. Had to do that with their last letter so I suggested that they use their recent letters for an internal training course on 'how not to reply to customers'. Might have been a bit OTT but somebody's got to remind them that their standards have slipped a bit too much.:D

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  • 2 months later...
  • 9 months later...

I want to get closure on NatWest


Well my son does actually


He sent a CCA request for a NatWest credit card


NW used the loophole in the CCA regs to recreate his agreement & he received:


  • a card carrier
  • a copy of terms & conditions without front & back cover, alleged to be current at the time the card was taken out
  • an illegible application form
  • current t & c

NW have confirmed that the application form is part of his credit agreement & that the card carrier is the agreement. The card carrier has terms that contradict those in the booklet.

I understand that because they have confirmed that is his CCA, they wont be able to use the actual agreement if it is materially different in any enforcement action (which it must be)


I have suggested that because the Credit agreement is incorrect, demanding money based on that satisfying the CCA request is fraudulent.


Triton are currently chasing (well, they haven't said they aren't yet, but they are very quiet)


With all of that going for him, I was considering a DPA notice for Triton to not process his data & NW to not give his data to any other organisation on the basis that a DCA can have no legitimate right to process if NW is not able to ask for payment due to their non-compliance with the CCA request & the fraudulent nature of their claim.


I am sure that they will write back telling him to get lost because they have a right to process because the debt exists, but I was thinking of what next.


If he went for a DPA enforcement action, would NW / Triton have to prove that they did have the right to collect (and would they get away with the card carrier or would it have to be the original) or would he have to prove that they didn't have the right to collect - which would be difficult because NW could say they have the credit agreement and it is enforceable, they just haven't produced it because they don't have to.


Any ideas?


I was thinking that if this worked, it might be an easier way to getting an agreement declared unenforceable than challenging the document directly - because if he lost, all they would win is the right to process

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  • 6 years later...

Fidelite have written to my son about "re-establishing contact with NatWest".



They threatened to send one of their goons round if he didn't contact Nasty within 3 working days.

Their "contact manager" would be around between 4 & 19 days from the date of the letter.


Given that they sent the letter by arthritic snail (not even 2nd class),

4 days (doesn't say 4 working days) was up before the letter arrived.


I didn't have a problem telling the ex-snot to go forth,

but I feel that their letter is deliberately confusing with 4 days vs 3 working days

, and they say that they work mon-sat, so it is unclear whether they include sat in their working days.



I think that they deliberately use the arthritic snail for delivery so that time is up before delivery too.


If I complain to the FoS, they will just redirect the complaint against Nasty.



I need some advice on how to make a complaint against fidelite stick.

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pers i'd be stopping letter tennis now.



the days of sending silly letters are long gone.



sit on your hands




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


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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I started a new thread - at least I thought i had


Same bank, different meat, same gravy - this is now his bank account (overdraft) and they have just asked for payment


Fiidelite have gone forth and multiplied, now I want to register my dis-satisfaction with them - without it being rolled up against NastyWest


I know that Nasty are ultimately responsible, but if complaints go against the bank, how will these ever get what they deserve?

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