NatWest & APEX - CCA Request Ignored - I want my £1 back! ** Resolved **

[wndzr]

Morning all,

 

I sent off a CCA Request to NatWest around mid-March that was signed for at their Birmingham office on 17/03/2014

- that request included the £1 statutory fee in the form of a postal order.

I have kept the tracking number for this item and have the surname of the signatory.

 

I have since received notification that my debt has been passed on to a company called APEX,

who were actually surprisingly helpful when I rang them.

 

They've advised me to get back in touch with NatWest and in the mean time they will ensure they don't bombard me with calls and letters.

 

When ringing the NatWest call centre, they seemed baffled at my request and insisted on treating me like a standard collections customer

who just doesn't want to pay.

 

Even after explaining that I have submitted a CCA request, they continued to say I need to contact APEX.

 

Note,

I did not send a follow up letter because I wrongly assumed that my initial letter regarding the debt had led them to drop the matter

as I had received no further contact since last week when I received the APEX notification.

 

Just wondering the best way to go about this now, as I am keen to ensure there are no adverse credit score implications.

 

Thanks in advance.

[dx100uk]

I would not ever be ringing a DCA

 

dx

[Bazooka Boo]

Stay OFF the phone, the phone drones can't divert from the script in front of them.

 

What did you send the CCA for? A loan, credit card? When was the agreement taken out?

[wndzr]

The phone will promptly be destroyed... Never again!

 

This was for a Staff Travel Loan that was approved and signed off by my manager at the time (whilst working for NatWest).

[Bazooka Boo]

So when did you take it out, pre or post 2007?

[wndzr]

Post - was only a year or two ago.

[Bazooka Boo]

Then it will be compliant and pretty fruitless requesting it IMO.

 

And what was it for?

A loan creditcard?

[SabreSheep]

I disagree

 

If it is purly so you have a copy for your own records then there is merit to getting a copy in case of future misdemeanors

[Bandit127]

Your right to verify that anyone has the legal right to claim money and that the amount they claim is correct is beyond doubt.

 

The fact that they have not bean able to produce verification of their legal right to claim the money means you are not legally obliged to pay it.

 

Assuming that your staff loan was covered by the CCA 1974? If not a CCA request is meaningless and explains Natwest's lack of response.

[Bazooka Boo]

Regardless, it will be compliant.

[wndzr]

NatWest have finally responded saying the debt is not governed by the CCA - as I already knew - and they have agreed to write it off and pay compensation for my wasted time.

[Bandit127]

Did you get your £1 back too?

[wndzr]

It hasn't been specifically mentioned, but I will be asking for it. They have currently offered £30 which I will be laughing at and sending back to them.