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    • Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
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Natwest - robbersWay Chasing old disputed debt


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  • 1 month later...

Robbersway are the leaders in circus events who tour this country, if they are so inept and uneducated as to send some total moron to your address who even feels like they some how have one iota of legal nous to be asking a stranger for money, then it is solely up to you how you deal with such an imbecile, your choice of words and actions are of your own doing!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

Financial Ombudsman http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

Local MP http://www.writetothem.com/

 

Media http://www.bbc.co.uk/watchdog/gotastory/

 

Obviously keep copies of their tame letters, send copies to the above if requested, and there is nothing else to do except IGNORE robbersway, all they can do is continue sending more deforestation including empty threats, if anyone purporting to be from this hilarious outfit does decide to grace you with their presence, then the length of time for them to remove themselves from your property should be the only words that leave your lips! Swiftly followed by the slam of the door.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Dear Sir/madam,

 

I wish to make a formal complaint about Natwest and their chosen third party debt collection agency 'Robinson Way'.

 

The bank was informed by myself od DD/MM/YYYY that I believed there would be fraudulent activity on my account, I therefore closed this in order to prevent any such activity.

However the bank for some unknown and unexplained reason, allowed fraudulent activity to be carried out on the account I had closed, and as such, feel that they somehow have authority to chase me for this money that was taken from the account.

 

The actions of their chosen third party debt collection agency leaves a lot to be desired, and is a reflection of the banks customer service, I will hold Natwest responsible for any and every threat intimidation and personal abuse that may be used by Robinson Way.

 

I have a Police incident reference number for this clear case of fraud (123456) The FOS is also investigating the matter, yet Natwest along with Robinson Way still feel it necessary to blatantly disregard and continue to attempt to threaten and intimidate me by way of written correspondence.

 

Whilst these tactics may have worked on others in the past, until the FOS and the Police have carried out their investigations, I will not entertain the bank or this Robins way outfit, I will continue to log all calls and maintain my diary of events with a view to seeking legal advice and taking action against the bank and their chosen third party DCA if they continue to pursue me when I am not liable.

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Give it a few tweaks here and there, my head isn't as quick today so not my best!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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