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Making F&F offer to NatWest Credit Cards


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Hi, hope you don't mind me posting this NatWest CCA once again

- hopefully I've done it better (and more readable) than I did almost 3 years ago!

 

As above it was a credit card taken out in 1997 and defaulted in 2006.

I pay NatWest £1 per month (although now managed by Wescot since 2016).

 

I CCA'd NatWest in 2014 and this is what they sent me:

An Application Form (pdf copy attached), signed by me but with none of the prescribed terms.

 

It was one of those Application Forms that when completed was folded and sealed then posted off to NatWest (you can just about see part of the mailing instructions at the top of the Application Form)

 

When I received the attached copy, NatWest also enclosed copies of all the prescribed terms plus info about ppi (8 pages worth) ; the separate pages of prescribed terms aren't numbered in way or signed by me or anyone or even referred to (as far as I can make out) on the original Application Form.

 

The quality of the attached copy is very poor and it was only by using a magnifying glass that I was able to identify a lot of the info on the Application Form.

 

My question is :

since I last posted about this almost 3 years ago, has anything changed?

Would the attached Application Form still be unenforceable in the opinion of the members of this Forum?

 

Thanks in advance.

 

Florish

Bank Info 2.pdf

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Why are you asking?

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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OC don't do court

Have they not sold it on yet?

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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No dx, Natwest haven't sold it on yet.

 

Card taken out in 1997, then defaulted in 2006.

 

 

I've paid token payments since 2006.

 

 

In 2016 the account has been managed by Wescot but my £1 token payment is still remitted direct to NatWest.

 

Is that correct that NatWest never take court action against debtors?

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no OC never does

too much bad publicity

 

 

your only issue is you are running the SB date to infinity by paying this blindly

as soon as the CCA failed you should stopped

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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Well no you never posted

them till today....

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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  • 4 weeks later...

Received letter yesterday stating that NatWest have now sold the debt to Cabot.

It goes on to say that Wescot will still be managing the debt and all future payments (£1pm) should be remitted to Wescot.

 

Is this good or bad?

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I'd stop paying, seriously, if they have flogged it on then Natpest, have got their profit out of you, and then some, and now Wetcloths are about to take their pound of flesh from you.

 

Seriously, you're being cash cowed now, they have you marked as a mug.

 

IMO if you still want to pay, then pay natpest direct, never ever pay Wetcloths.

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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Hi Bazooka, I can no longer pay NatWest direct surely!!! as they have definitely sold the debt to Cabot.

 

I probably should stop making the payments, but I'm just worried in case the application form/credit agreement (that I've attached to post #55 on this thread) is compliant, even though it doesn't have the prescribed terms on it.

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If that is all they have, then you should have stopped paying years ago.

 

STOP paying otherwise you'll be a cashcow forever.

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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good

stop payments

send cabot a cca request

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...

***UPDATE***

 

I haven't yet sent a CCA request to Cabot, but here's what I have done.

 

When I sent my CCA request to Natwest 3 years ago, they sent back a copy of the application form from 1997 that didn't include the prescribed terms (copy posted earlier in this thread).

 

However I can clearly see on the application form that I've ticked the box requesting PPI

Also when NatWest sent me the copy of the application form, they also sent me copies of the general terms and conditions for the PPI

informing me that the policy would be with Sun Alliance & London (no policy number).

 

So a couple of weeks ago I filled in the online PPI complaint form on the NatWest website.

A few days later I received two text messages on the same day from RBS-PPI

One telling me about the procedure and the time it should take.

The 2nd text amazingly informing me that they have already completed their investigation and that I should receive a letter from them within 10 working days.

 

A couple of days later I received a letter basically confirming what the first text message had stated.

Then the day after that, I received a letter stating that '...after conducting an extensive investigation...we can find no evidence that we have made a charge for Payment Protection Insurance in relation to the above account'

It goes on to say that if I can provide additional information or documentation that suggests that a PPI policy was sold with the product (credit card account) then to re-submit my request.

Other than that they've enclosed the FOS booklet.

 

Their 'extensive investigation' probably took a couple of minutes when they saw how old the account was.

It was opened in 1997 and defaulted in 2006, and I wouldn't imagine that I'd paid any PPI after 2006!

 

I have already sent for a SAR and it'll be interesting to see what they send me.

 

Any suggestions what I should do now? Should I just wait until the SAR info arrives and take it from there?

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Yes

But still send that CCA

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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  • 1 month later...

I sent NatWest a SAR request on the 15th September (which was signed for on receipt) but I haven't received anything from them as yet, and 58 days have now passed.

Is this normal for NatWest or should I be chasing them up?

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give 'em a ring

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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They have 40 days to comply with your request, you can complain to the ICO if you wish, this usually gives them a boot up the rear end for fear of being fined.

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...

I received all my SAR info in a huge envelope this morning delivered by courier.

 

The bulk of the envelope being made up of credit card statements from 2001 until November 2017.

 

I thought it a bit strange receiving a NatWest credit card statement for November 2017 as the debt was sold to Cabot in June 2017 and is still being managed by Wescot!

 

Perhaps their system just keeps generating the statements as if I was still a customer!

 

The CCA (application form) from 1997 included with the SAR info, is of even worse quality than the one they sent to me in 2014,

so perhaps now is the time for me to CCA Cabot!

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told you to do that in post 68 10 weeks ago

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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