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    • Hi   I know this is a difficult time for a lot of Business owners due to the Pandemic and am sorry you are now in this situation.   Did the Courts appoint the Insolvency Practitioner?   Is the Insolvency Practitioner aware of the NatWest Business Loan and that it is with a Personal Guarantee? (if not you need to inform the Insolvency Practitioner)   Was the NatWest Business Loan with your Personal Guarantee signed as you being Director of that Company?   Are you able to keep up the Repayments for this Business Loan with Personal Guarantee?   As this is a Personal Guarantee for a Business loan which would more than likely have been signed with you as in the position of Director of the Company (correct me if I am wrong) This is you making a Legal Agreement as director who is liable for paying that debt and in this case as the Business in now going through Insolvency Proceeding.   The consequences for yourself depend on the actions of NatWest and if you can't keep up their repayments as your Business is going through Insolvency, NatWest could enforce that Personal Guarantee to recoup their money by going after your personal assets which could be at risk (not business assets) as this was a Personal Guarantee so you need to be fully aware of that. (it would also depend on the wording in that Personal Guarantee you signed)   You need to fully read that Personal Guarantee that you signed with NatWest to understand that actions they can take to recoup that money
    • Hi Stu007,   Tyvm for your message. I have tried to change doctors a few times over the last few years, but my doctors doesn't allow it for some reason.   As for the way he speaks to me, I have thought about putting a complaint in against him in the past because of his attitude, but decided against it as he would probably treat me even worse. I'm just thinking when I phone the doctors for a consultation in the future I will ask to speak to another doctor.   Thanks again, Lava
    • Hi   I see no reason posting a Redacted copy (in PDF Format) will affect you with Mears as to give the proper advice you seek especially since you have sent them a Letter Before Action (LBA) you should be fully aware that your next action Court Action to resolve this if they fail to reply or reply and dispute your claims.   Without the above (as so far you have only given us very small parts of this agreement) it is going to be difficult to advise.   Have you sent them the Subject Access Request (SAR) that I also advised?    
    • ive merged your threads can i just confirm you thus have 2 outstanding business loans one with natwest one with the funding circle   and both you know you signed personal guarantees as well as the std loan paperwork as a business?  
    • Nar, don't bother.   I'm sure your daughter will have no problem in producing a long legal document called a Witness Statement and then appearing in court to defend the claim while having absolutely no knowledge whatsoever about what the claim is about.  It'll be a doddle for her.    Why bother sending off a simple template letter with 95% of it already filled in after being told on four separate occasions by the forum to do so, when you can continue twiddling your thumbs and end up getting thrashed in court.  
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Vanquis SAR questions


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Hi all

 

Not sure if this is the right section, but having an issue with a SAR i have done with Vanquis Bank (credit card account). They have replied within the required timescales, but the information (which there is a lot) is a pain to sort through.

 

The information that i was looking for was the charges (so i can reclaim them) but they have lost it with the total amount of interest charged (so it would say that since the account was opened they have charged £3,000 in interest and charges) and there is no way with the information to break it down.

 

Can i write back and request from the a specific breakdown as required by the SAR?

 

thanks

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Hi Van.

Yes this is in wrong section.

I will move it for you.

 

Vanquis are frequently reported on here for the same issues.

You should send them a letter for non compliance (a copy is available on the site)

Give them a further 14 days to submit to you the data you requested in intelligible form and be specific as to what you are missing.

Put them on notice that failure to comply,will result in you filing a complaint with the ICO and if need be, filing in the Courts for an order and compensation under the DPA for non compliance.

 

send recorded and keep a copy.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks i will amend the letter and bang it off for the wife and i tonight, the downside is that i am in the US for 3 weeks in 12 days, but i guess i will have to enjoy my holiday, then kick bottom!

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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ok

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Well i had no responce from them, which is a tad annoying, i take it i bang off a complaint to the IC and send a LBA to them with a 14 day warning?

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Yes but you MUST be prepared to follow it up-not just threaten.

We can help you to escalate it when the time comes.

I have done a similar claim a few weeks ago against one of the big banks-and it was sorted quite quickly without a Court appearance.

But you need to be prepared to go to Court if its needed-so think about that.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have no issue with going to court at this point, and i am sure i can convice Mrs V as well, so what is the next step?

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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You need to send a Letter before action to Vanquis as you have suggested doing.

This will differ from the usual LBA sent requesting charges PPI etc.

The cause of action will be breach of the Data Protection Act.You need to send it marked for the attention of the Data Controller.

Give them a further 14 days to comply fully with your request,and bullet point the Data that they have failed to supply.

You may also include that should a Claim be initiated through the Court,you will be seeking Compensation for breach under section 13.

A good idea to get everything together to show all your efforts too-you would be expected to show some evidence later that you have given Vanquis ample opps to comply.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Well have printed it and will read at lunch time today and have sent 2 strongly worded LBA's to try and get the information without going to court.

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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  • 3 weeks later...

Well Martin3030 a bit of an interesting development, they responded too the letters with an offer to refund all the charges (but no interest or DPA fee), with no information which shows that there amount is accurate (and i am fairly sure it is not).

 

They then state that the refund is due on me accepting a higher APR with no fees on my account, or that the account is closed and will be paid off. I must say i do have a dislike to being threatened in this fashion, so i have written back giving them 14 final days to actually give me what i have asked for.

 

but have you heard of this (will try and scan a letter later today so that you can see).

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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