Natwest stating that they don't need to provide true signed copy?

[littlemissangry]

Good Evening,

 

I sent a CCA request to Natwest in January in regards to a loan I took out in 2005.

 

I was under the impression that the loan was initially for 5,000 and being very young and silly I couldn't cope so ended up going through a DMP

and paying monthly payments until Jan of this year.

 

However, when I closed my DMP they sent me a statement saying that I still owed Natwest almost £9000.

 

Natwest have played their usual games so far, demanding a supply a signature etc and eventually providing me with a "true copy"

which states that the loan was for 10,000, my address spelt completely incorrectly and my signature was nowhere to be seen.

 

I have since put the account in dispute but they have passed the debt on to Westcott

and are claiming they have complied with the CCA request as they don't need to provide a signed copy????

 

Can anybody help with my next steps?

 

Thanks in advance

[havinastella]

They can supply any old rubbish and it technically fulfills the request.

 

Should they want to enforce this via the courts, they would need the original.

[renegadeimp]

If they stated it is a true copy, and it isnt, and the agreement was pre 2007, then send them the non compliance letter. THEY are the ones who are saying it is a TRUE copy, when in fact it is a poor reconstituted agreement.

[littlemissangry]

Thank you both for you help. Do you know where I can find a template for the non compliance letter?

[havinastella]

They HAVE complied!

[littlemissangry]

But surely any company could write any amount and stick it at the top of the letter. I was only 19 when I took the loan out I didn't take one out for 10,000. It has clearly been doctored as like I say my address is completely mis- spelt.

[havinastella]

and that is why they need the original in Court.

[littlemissangry]

so is there a template for a letter I could write to them now? or should I wait for them to take me to court?

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

[citizenB]

Why don't you send a Subject Access Request - it will cost you £10.00 and entitles you to all the data they have in respect of your financial relationship with them.

 

You would not necessarily receive a copy or reconstruction of the agreement, but there should be other information that will identify the value of the loan at the time of agreement.

[filrobbo]

I bet it's full of charges and do you have any ppi on it

[BRIGADIER2JCS]

Not sure from the OPs statements so far if the document (s) are compliant with the requirements of s. 77/78 CCA1974 or with the requirements for a 'reconstituted '

agreement.

 

1. The debtors name and address at the inception of the agreement.

2. Ditto for the creditor.

3. The Ts & Cs at inception.

4. The Ts & Cs at closure.

5. Any amendments made during the life of the agreement.

6 Any 'other documents ' mentioned in the Ts & Cs.

 

If the document complies with the above the it is compliant any one part missing then it does not.

[dx100uk]

off topic discussion posts moved to their own thread

 

dx

[SWLABR9]

Which would be where and called what please?

[BRIGADIER2JCS]

off topic discussion posts moved to their own thread

 

dx

Not going to bother with his disruptive twaddle any way.

 

But thanks for moving it dx.

[dx100uk]

its in the bear garden

http://www.consumeractiongroup.co.uk/forum/showthread.php?396580-claimant-dont-need-a-signed-CCA-for-debts-prior-to-Apr-2007-discussion-thread

dx