Jump to content
  • Tweets

  • Posts

    • When it comes to animals my heart is just shallow. Sorry to hear that.
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Tesco and Natwest (RBS) credit card challenge


Please note that this topic has not had any new posts for the last 3731 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

  • 4 weeks later...

Hi peeps,

 

Okay, today I received a reply from RBS for my Natwest CC, It would appear they are sending the 'usual response.' The two page letter states the following points:

 

What the statutory requirements are for providing a 'true copy' of the CCA. It is the agreement relevant to the card product at the date the card agreement was made, plus a copy of the terms of the card product. These copies should be accompanied by the statement of financial information relating to the account.

 

There is no obligation for them to provide a copy of the original agreement bearing signatures. And under Reg 3 (2) a 'true copy' does not need to contact all personal information relating to the borrower, nor does it need to include a signature box or dates of signatures.

 

As such, a copy of the CCA has been provided to me along with T&C's and a statement of the balance. They see no reason to enter into further correspondence. However, if I am not satisfied with this response, I may seek whatever legal redress I consider open to me.

 

They do not consider the account to be in dispute and my indebtedness on the account remains due and payable. All non payments will be recorded as default on my credit file. I am urged to take advice from CAB if I continue to doubt the veracity of what I have been told.

YS

Amanda Tretton

Senior Customer Advisor

 

I shall have a bit of a read and see what is the next letter I need to send. Any help would be gratefully received.

 

x:)x

Link to post
Share on other sites

Nice of them to let you know that there is no dispute, despite the fact that you have stated to them that there is.

 

Under regulations they are able to omit the name/address, signature, signature box and signature date - but aside from that what they have sent you should mirror exactly the contents of the executed agreement which you signed including all the prescribed terms at the rates etc to which you agreed upon signing.

 

A lot of banks are now trying to fob customers off with generic Terms & Conditions where there are no executed agreements in existence... simply why go to the trouble of provided another document if the executed agreement is available to simply take a copy from.

 

Consumer Credit (Cancellation Notices and Copies of Documents)

Regulations 1983

 

3 General requirements as to form and content of copy documents

(1) Subject to the following provisions of these Regulations, 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 be a true copy thereof.

(2) There may be omitted from any such copy--

(a) any information included in an executed agreement, security instrument or other document relating to the debtor,

hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the

Act or any Regulations thereunder as to the form and content of the document of which it is a copy;

(b) any signature box, signature or date of signature (other than, in the case of a copy of a cancellable executed

agreement delivered to the debtor under section 63(1) of the Act, the date of the signature by the debtor of an

agreement to which section 68(b) of the Act applies);

© in the case of any copy of an unexecuted agreement delivered or sent to the debtor or hirer under section 62 of

the Act, the name and address of the debtor or hirer; and

[(d) in the case of any copy of an executed agreement given to the debtor under section 77(1) of the Act for fixedsum

credit, or under section 78(1) for running-account credit, under which a person takes any articles in pawn, any

description of the article taken in pawn.]

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

Thanks Enron... like you say, if they did actually hold a copy in their possession, one would expect to receive same copy!

 

Onwards and upwards I guess!

x:)x

Link to post
Share on other sites

Just had another look through my NW file, and they didn't even send me an application form, let alone the CCA. Just some photocopied T&C's with the word COPY over them.

 

With my Tesco CC I have got a copy of my application form - dated 1999! Doesn't time fly!

 

x:)x

Link to post
Share on other sites
  • 1 month later...

Ooh, I have received a Yellow card with the word WARNING in red on it. Remind me of Lost in Space... warning, warning... anyway I digress!

 

It's from Allied International Credit UK Ltd, advising I need to call Mr Watson urgently. I believe it's to do with my Tesco cc (client RBS).

 

Think I now need to send my bemused letter to them. I might just wait to see if I get something from my Natwest cc as any letters I receive are normally within one week of each other.

 

x:)x

Link to post
Share on other sites
  • 1 month later...

Hi peeps,

 

Just to let you know that Natwest have passed my file onto Triton.

 

Received their first 'call us immediately' letter. Shall ignore for now and will reply when I break up from Uni.

 

x:)x

Link to post
Share on other sites
Hi peeps,

 

Just to let you know that Natwest have passed my file onto Triton.

 

Received their first 'call us immediately' letter. Shall ignore for now and will reply when I break up from Uni.

 

x:)x

 

Am I right in thinking that they have passed your alleged debt onto a DCA?

During the period of your dispute, ie; asking for the original cca were you still making the regular payments?

I thought if you carried on paying despite asking for a true copy of the original agreement they could not hand the debt over? :???:

Link to post
Share on other sites
  • 2 weeks later...

Hi

 

l;ooks like we are at similar stage

have received 3rd letter from triton they have ignored all my previous letters stating no cca etc blah blah

 

they are now threatening to visit me

think they may be in breach of OFt guidelines on many points

Link to post
Share on other sites
  • 1 month later...

Hi all,

 

Thought I'd give you all an update on where I am with my NW c/c and Tesco c/c.

 

I think I better start different threads as well and keep this one as Natwest (RBS) challenge.

 

Okay, NW have passed my debt to RMA (Risk Management Alternatives). They're a new one on me.

 

Have yet to reply or send an a/c in dispute letter to them.

 

x:)x

 

I will start a new thread for the Tesco (RBS) c/c challenge.

Link to post
Share on other sites

Oh sorry peeps,

 

silly me.... let me get this right :rolleyes:

 

14th December - passed to Triton with a NOTICE OF LEGAL PROCEEDINGS

 

4th January - passed to Green & Co (who were instructed by Triton, who are instructed by NW)

 

31st January - passed to RMA

 

Silly me... fancy leaving my admin in such a state ;)

 

x:)x

Edited by texanbar
fish fingers
Link to post
Share on other sites
  • 2 weeks later...

Hi all,

 

ANother letter from RMA, saying that unless I call them, they may need to return my file back to NW (heaven forbid!!) who shall then decide the appropriate action.

 

Thank goodness I have found this site, at least I can actually have a little giggle with my hubby when I receive their letters as opposed to being a quivering wreck.

 

Another one for the file

x:)x

Link to post
Share on other sites
  • 3 months later...

Hi all,

 

I'm back and cooking the DCA letter's today!

 

Okay, just to advise that RMA still have my a/c from Natwest.

Latest letter was dated 8th March. They are still pleading with me to get in touch, or they really really will have to pass the account back to NW.

 

Hope you are all keeping well

x:)x

Link to post
Share on other sites
  • 2 months later...

Hi all,

 

Latest letter received was beginning of July, which were from Westminsters Solicitors, saying they have been instructed by RMA to review my a/c.

 

Haven't heard or received anything further.

 

Hope you're all well

x:)x

Link to post
Share on other sites

Morning all,

 

OK, Natwest have passed my a/c to Moorcroft! Received my first letter from their infamous pre-court division.

 

Will keep you all posted.

x:)x

Link to post
Share on other sites

Hi

Just had telephone call from moorcroft, only recieved a letter from them on Saturday. They think i should have had time to respond within one working day. have you had any calls

Link to post
Share on other sites

Hi andbrat,

 

Never receive phone calls because I refuse to hold any conversations over the phone. I will not be responding to them. I may (if I get really bored) send them an A/c in Dispute letter.

 

Hope you're well

x:)x

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...