To CCA request or not?! natwest loan

[Dan___777]

Hi everyone

 

after reading online in depth I thought I'd ask here for some help.

 

a few years ago I took out a loan.

I got into financial difficulty a couple of years later, and submitted a CCA request to the DCA.

They sent back a letter from the Bank asking for photo ID and a signature.

I just ignored the letter, and everything went quiet until it was allocated again to another DCA,

I responded again and it went quiet.

 

I haven't heard anything for well over a year, but I've now moved house.

I'm worried that there could be a CCJ lodged against me without me knowing,

say if a summons was delivered to my old address.

 

Do I -

 

a) write to the bank saying I've seen the debt on my credit record and ask for them to send the CCA to my new address,

hoping they won't be able to do so (I don't have a reference number so I guess I'll just send them my old address)

b) do nothing and hope they've given up

c) any other ideas?!

 

Thanks in advance for your help guys...

[dx100uk]

has the debt been sold on?

 

 

who is shown as the owner on your credit file?

 

 

and when did you last pay this 'loan'

 

 

dx

[AndyOrch]

I haven't heard anything for well over a year, but I've now moved house. I'm worried that there could be a CCJ lodged against me without me knowing,

say if a summons was delivered to my old address.

 

That's why you should always inform all creditors of a change of address.......

 

Have you checked here :-

 

http://www.trustonline.org.uk/

[Dan___777]

Thanks for the quick replies!

 

So the last payment was over two years ago.

 

No I haven't checked trust online but CheckMyFile says there are no CCJs.

 

Do you think I should send a simple change of address letter? I'm just worried that might be "acknowledging the debt"

 

Thanks again...

[Dan___777]

Oh and the owner on my credit file is showing as the bank.

[dx100uk]

unless the loan is pre apr 2007

then there little point in a CCa request

if the bank still own the debt

 

 

dx

[Dan___777]

Nope it's from 2008 annoyingly.

 

Any ideas what I should do? Thinking if they haven't done anything about it for so long maybe I could just leave it?

[dx100uk]

I would suspect that if you are on voter

etc etc

then any DCA will easily find you and send a few threat-o-grams.

 

 

whats the loan all about and with whom?

 

 

have you all the statements and the agreement?

 

 

an sar using your new address might serve two purposes here

 

 

just make sure you add a line referring to tyour old address

 

 

and a copy of a current CTAX bill

as proof of where you are now.

 

 

how much is outstanding?

 

 

dx

[Dan___777]

I would suspect that if you are on voter

etc etc

then any DCA will easily find you and send a few threat-o-grams.

 

 

whats the loan all about and with whom?

 

 

have you all the statements and the agreement?

 

 

an sar using your new address might serve two purposes here

 

 

just make sure you add a line referring to tyour old address

 

 

and a copy of a current CTAX bill

as proof of where you are now.

 

 

how much is outstanding?

 

 

dx

 

Thanks again for the replies.

 

It's with NatWest, with about £7k outstanding. I'm thinking of doing the cca request with my new address (just cus it made them go away before), and failing that the SAR. I don't have any paperwork for the loan at all.

 

What do you reckon?

 

Thanks again, really appreciate it.

[dx100uk]

if you only paid last 2yrs ago

and this is post 2008

 

 

then you need to move this fwd

 

 

£7k is a large debt and inviting court action.

 

 

the CCA request would update your address too.

 

 

dx

[Dan___777]

if you only paid last 2yrs ago

and this is post 2008

 

 

then you need to move this fwd

 

 

£7k is a large debt and inviting court action.

 

 

the CCA request would update your address too.

 

 

dx

 

Will do. Thanks very much for the advice, I feel a lot better about the whole thing now I have a plan.

 

Take care

 

D