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    • not sure what happened to the statint sheet...looks like you over wrote cells.   so they have already litigated over this debt ?
    • Any time limits AZ might spout are simply arbitrary, the ONLY thing you need to be doing is informing them ''in writing'' of your new address.   Also ensure your CRF is updated and showing your correct address also.   When you send AZ the letter which needs only to be one line......   Sir/madam.   My current address is No.1 Mickey mouse street blah blah blah, please update your records accordingly.   Regards   And obtain ''proof of posting'' which is free from the po counter, send it 2nd class post.
    • The UK's competition watchdog says the merger between the ticketing firms could lead to higher fees. View the full article
    • @Andyorchnot what I have seen as all parties have signed for Sponser to be100% liable for fees.   @dx100ukthats what I thought it sounds like to be fair.
    • During that time my credit rating was shot yeah.    I got caught in a cycle of small payday loans with Sunny. I had an arrangement to pay with the company sunny sold the loans to.    I put in a irresponsible lending complaint and about 2 years later I won this and sunny paid me back a large chunk of what they loaned me. (had the choice to deny and push for more, but looking at it now I did the right thing)   I remember  going for the 118 loan at the time and was amazed I got it.  Then when I paid for a good 6-8months on the 118 loan I got offered the "loan top up" for another £1500. Which I of course I took 🙄.  I eventually got the total owing down to 2k (which is now 3.2k with AZ) but then ran into payment problems.    To answer your other question I have not paid any other DCA any monies.  Right now this 118 debt is the only debt I have.    Surely if I dont act quickly the likelyhood of the pushing  a CCJ is greater? Or do you believe because the debt is "toxic" that it wouldn't get that far?    Thanks again for your help. You wouldn't believe how much you have calmed my anxiety and stress. 
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    • 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.
       
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    • 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.
       
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      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.
       
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Do you get the feeling NW are making every effort to delay/hijack peoples claims??


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There just seems to be so many problems with peoples claim againt this bank, undoubtedly all of them will delay by writing the standard letters back or saying they will get back to you in 14 days or whatever.

 

But with Natwest it seems to be every single aspect:

 

You send your DPA request and cheque rather than getting all DPA details, they send you a letter saying you can have statements for £5 or DPA for £10, so you have to write back asking for DPA

 

They send you bank statements instead and don't cash your cheque, making it so you have to contact them again

 

The bank statements are sent in packaging NOT designed to hold them, delaying them in mail or delaying the whole thing if some sheets are missing

 

Often the statement (as mine and others will tell you) have duplicated sheets mixed up in them. Out of a couple of hundred sheets about 30 were duplicates and could have made it so I made lots of mistakes whilst adding up.

 

This is before any real chasing starts, it makes you wonder if they are doing all that on purpose.......................

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Hmmm...should be sending out my DPA request thing tomorrow. Do you reckon it'd be worth my while sending them a cheque for £15 and saying I'd like both statements and the SAR/DPA transaction listings?

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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HI,

 

I had no problems getting the statements however there were a considerable number of duplicates ensuring that i had to re-do the spreadsheet a few times.

I have filed my claim and they have acknowledged saying they will defend. Now the OFT has made thier announcement we'll see what they do next.

I have noticed that Natwest havent appeared in the litigation section very often (twice i think including mine) is this because they are dragging out the process? they do seem to tough it out more than the others.

 

Still i will get it all back in the end.

Bank Claim Result

NatWest £2051 UnGagged myself. They paid up in full:D

Barclays £641.81 Settled in full.:D

MBNA AOL £390 account credited

MBNA Card £880 account credited

MBNA Loan £115 LBA 03/07

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Hmmm...should be sending out my DPA request thing tomorrow. Do you reckon it'd be worth my while sending them a cheque for £15 and saying I'd like both statements and the SAR/DPA transaction listings?

 

No I wouldn't do that as they have a duty to provide you with a list of all transcations or statements as part of your DPA anyway, the DPA also ensures you have details of any manual intervention etc

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Yes and they seem to be defending claims too, although yet to see if they actually take that defence before a judge.

 

They certainly delay as long as possible. My DPA request was complied with late - requested 18.2 and got the statements 12.4 - a huge bundle (4 accounts worth) in one thin brown envelope that had burst - whole lot were left outside my front door in a clear post office bag taped up at the top! Nice customer confidentiality !!

 

Also there were loads of duplicates in the bundle.

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HI,

 

I had no problems getting the statements however there were a considerable number of duplicates ensuring that i had to re-do the spreadsheet a few times.

I have filed my claim and they have acknowledged saying they will defend. Now the OFT has made thier announcement we'll see what they do next.

I have noticed that Natwest havent appeared in the litigation section very often (twice i think including mine) is this because they are dragging out the process? they do seem to tough it out more than the others.

 

Still i will get it all back in the end.

 

I think one of the reasons you are not seeing many results in the litigation section, is because Natwest are making their offers on the basis that you enter in to a confidentiality agreement not to disclose details of the settlement. I'm guessing many people will agree to this, not me though, I'll take it to court before I sign an NDA, unless of course they offer me a LOT of money :-)

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They have until 3/5 to enter a defence in my claim, and I'm convinced they'll delay as long as they can... Fine by me, some of those charges are 6 year old and piling more interest by the day...

 

I had lots of duplicate statements too, makes you wonder how accidental that is...

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What is the worst that could happen to me if I signed their confidentiality agreement and then told everyone?

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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I think I may have to record the arrival of my statements on mp4, just to get a record of the state and confusion they seem to arrive in.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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What is the worst that could happen to me if I signed their confidentiality agreement and then told everyone?

 

They could sue your a**e off for breach of confidentiality agreement, which could cost you big time.

 

If you don't want to keep quiet, don't sign. It is legally binding.

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  • 12 years later...

This topic was closed on 03/07/19.

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