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I had a business account with NW and recently sent them a SAR (and £10 cheque) which they received on 16th August

now well in excess of their 40 day requirement I have also now sent them the letter before court action,

time period also expired without any contact.

Wherer do I go from here?

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When you say business account do you mean sole trader or Limited Company?

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SAR doesn't apply to limited companies.

 

Care to tell us more about the situation you are trying to resolve?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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had a secured loan off them for £15000, but due to illness had to close business, I however inherited some money last year and paid off outstanding loan £15750, yhey cannot give me details of interest or rebates as they combined this loan with an overdraft of £5000 which is still outstanding, they now say that The overdraft is also secured on property, but this was signed for about 6 months before the loan, and only personal guarantee given.

 

I am paying NW £50 per month off the overdraft but they are still charging me £1.04 per day interest and they say that if OD is not paid in full by Jan 2013 they will commence reposession proceedings.

 

The thing is I dont appear to have a copy of the loan agreement. I know its now settled but I have nothing stating interest rate, term etc,

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For a Ltd Company you would need to ask them for what you want (as a director of the company). They may charge a fee for supplying stuff.

 

For any data that is your personal stuff then that can be dealt with via SAR.

 

You can't SAR for the company stuff though.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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For a Ltd Company you would need to ask them for what you want (as a director of the company). They may charge a fee for supplying stuff.

 

For any data that is your personal stuff then that can be dealt with via SAR.

 

You can't SAR for the company stuff though.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Just when you think things couldnt get any worse,,,, Letter received today from NW asking me to settle loan which was settled over 6 months ago, can anyone tell me what amount do you think they are after in their letter? s it the £11785 the £3465 or both?

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  • 2 weeks later...

yes signed a personal guarantee, which I accept and I am willing to pay but they are not helping.

Also had a business loan secured which is now settled but they combined the OD and Loan and they now say the OD IS secured on property

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had a secured loan off them for £15000, but due to illness had to close business, I however inherited some money last year and paid off outstanding loan £15750, yhey cannot give me details of interest or rebates as they combined this loan with an overdraft of £5000 which is still outstanding, they now say that The overdraft is also secured on property, but this was signed for about 6 months before the loan, and only personal guarantee given.

 

I am paying NW £50 per month off the overdraft but they are still charging me £1.04 per day interest and they say that if OD is not paid in full by Jan 2013 they will commence reposession proceedings.

 

The thing is I dont appear to have a copy of the loan agreement. I know its now settled but I have nothing stating interest rate, term etc,

 

What were the loan and overdraft terms and conditions?

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Natwest Chief Executive: Stephen Hester

 

Address:

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EH12 1HQ

 

email:

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  • 1 month later...

I have still to receive copies of my Business loan agreement from NW. I am under the impression now that I have not actually signed a loan agreement, NW have sent me a blank, general loan agreement without signitures, AND will not respnd to requests for signed copies.

 

This loan has now been settled, what would it mean if no loan agreement was signed in the first place?

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  • 1 month later...

Hi anyone got any advice for this...

I have recenly settled off a Secured business loan, settle account off early, but I am unsure whether the loan was ever valid, I cant recall ever signing a loan agrrement, and despite trying for nearly a year now NatWest is either unable or unwilling to supply me with a signed copy, they have however sent me an unsigned copy.

 

What would happen if no agreement exists?

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  • 2 months later...

About a year ago I settled a business loan paying NW £15750 to settle this consisted of 3 separate payments

NW have been sending me arrears letters stating I owe them £3400 they say this is the balance outstanding

 

I have been trying for about a year now to sort, even sending letters to their CEO, in March I raised an official complaint, however I have received letters from them stating that they are looking into my complaint, but not a week goes by without receiving a letter from them advising that they will contact me by a certain date, however I have now had 5 dates?

 

Also it would appear they cant find my original signed credit agreement, they have only sent me an unsigned copy, think there is something fishy here.

Any comments please

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time to sar them me thinks

 

dx

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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  • 3 weeks later...

Hi I had a business (Ltd) that collapsed in 2010, I had a business loan and overdraft.

I have now repaid the loan as it was secured, But I have recently contacted the bank for a copy of my

Overdraft agreement, but they say they cant find it, is this enforceable or just my wish full thinking?

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  • 2 weeks later...

Sorted now with, NW now

 

They have confirmed that the loan is now settled

 

they apologised but without explanation

 

also sent me £100 compensation and £42 to cover expenses.

 

However they still have not sent me a signed copy of my original agreement just their unsigned copy

 

ALSO they have stated that they cant find copy of my overdraft agreement, is this still enforceable without it?

 

Well almost there its only taken a year,,,,,,,

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