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    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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Jacky202

Natwest CC account to Debt Recovery Office

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Hi all,

 

I have a Natwest credit card and have been unable to pay my minimum monthly repayment. I wrote to them to let them know about my financial difficulties and offered them the £1 token payment which was the most I could afford (I also wrote to my other creditors in the same way at the same time).

 

Natwest initially replied:

'Thanks for telling us you're unable to correct the position on your account because of financial problems. We think the best course of action now is to withdraw your credit card facility, so we enclose a Default Notice. We have to send you this notice by law before we can terminate our agreement with you and arrange a repayment programme. At the end of the stipulated period your agreement will be formally terminated and we will contact you with regard to the repayment of the outstanding balance.'

 

I had thought this meant OK, they'll accept the £1 token payment until the end of the timeframe noted in my letter to them (6 months). However, I must have been wrong as I've recently received an Account Termination letter stating that my:

 

'outstanding debt is now required within 14 days. However, I note that you have made a request to repay the debt with low monthly payments. As the suggested amount is less than the required 2.25% payment, after 14 days your account will be transferred to our Debt Recovery Office. You will then be contacted regarding the outstanding balance, in particular your request to make payments below the required 2.25% of the balance each month. ... Interest will continue to accrue on the debt until repaid in full.... Your account will be reported to the Credit Reference Agencies as a Default if repayment proposals acceptable to us have not been made within 28 days of the date of this letter.'

 

1) Is it their right to transfer my debt to their Debt Recovery Office?

 

2) Does anyone have any tips re Natwest'd debt recovery office - are they reasonable regarding token payments?

 

3) Should I somehow insist they stop adding to my debt by adding interest? I believe this is in my right isn't it?

 

4) Can I do anything about them reporting me to the Credit Reference Agencies?

 

I also received a letter a while back saying:

'Thank you for returning the completed financial statement. To enable further consideration to be given to your offer of repayment, I require a full list of your other creditors and the amounts outstanding. If this includes any loans, please advise whether they're secured or unsecured.'

 

I didn't reply to this letter. I'm afraid I stuck my head in the sand again :( Plus I've missed one of the monthly £1 repayments. Should I reply to this letter now, along with any reply needed to the other letters, and should I send £2 this month to cover the £1 I missed last month, or just pick up with the £1/month again and stick to it?

 

Many thanks for any advice you can give. x

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1, yes - but don't worry about it.

 

2. just pay what you have said via internet banking.

 

3, no you cannot insist, though it would be nice if they did.

 

4. no they have a right to report you.

 

they actual have no legal requirement to have any of your financial dealings. as long as you TELL them tey are only going to get £XX for XX mts, their is little they can do about it & they know it. it would be nice if they helped you by freezing int and charges etc etc, ask them to do this.

 

NO judge would ever make you pay more than you can afford & they know this, they are just chancing their arm.

 

stick to what you have said and pay it without fail.

 

if and a very big IF it evergot to court the judge would laugh then out the door,

 

ps how about reclaiming all te charges etc, and p'haps ppi?

 

 

dx

Edited by dx100uk
added

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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Many thanks for your reply dx, especially at this time of night! Wasn't expecting anyone else to be around ;)

 

Thanks for a very clear response. This is reassuring to hear! I thought this was the case but it's hard to remember when you're bombarded by letters, texts and calls from credit card companies.

 

I'm going to look into reclaiming any charges again. I did this a couple of years ago with Lloyds and won back the full £500 :)

 

What is PPI? forgive my ignorance! I'm still learning more on this each time I come to the forum.

 

I've just sent £1 to Natwest to get back on track with my repayments.

 

Thanks so much. x

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Oh and should I do as they initially asked and send them a full list of my other creditors and the amounts outstanding, including any secured or unsecured loans. I didn't reply to that letter as I wasn't sure if they were meant to ask for this info or not.

 

Should I give them the info now? I wonder if it would help my case.

Thanks again

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PPI is payment protection insurance

 

its up to you if you send them the I/0 list

 

pers i wouldn't its none of their business.

 

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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PPI is payment protection insurance

 

its up to you if you send them the I/0 list

 

pers i wouldn't its none of their business.

 

dx

Doh! yes PPI - I don't have that and if I had had it they would have stopped it now.

 

Re the list, I thought I had heard that said before which was part of the reason why I didn't send it to them. Glad to hear it's not essential!

 

Thanks again x

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