@natwest_help Natwest, reclaiming numerous PPI's***Full Refund/Defaults Removed***

[beetlejane]

Looking again at the statement for the second one opened October 2002 and closed November 2002 they have listed it as 15000 but the statement says withdrawn 19769 loan rebate 4383 and early repayment 15112 is the loan rebate the interest saved by paying it back quickly?

so many questions I am sorry

[dx100uk]

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[beetlejane]

thanks for that will have to look at it tomorrow am not very techy! but thanks for all your help so far much appreciated

[beetlejane]

Ok well my attempt to scan anything failed!

 

 

Have gone back through the paperwork tonight

 

 

they seem to have definitely added PPI to that one loan and then on the following one they have "rolled " it over.

 

 

It was this loan that ultimately led to my financial mess- that combined with a lot of stupidity.

 

 

Should I wait 40 days and then write back and request the rest of my information

eg bank statements, income protection insurance(which they sold me whilst adding PPI to my loan!) and my credit card info.

 

 

I went into a DMP in 2009 and have also found that they did not stop the interest as they had agreed to,

but I don't think I can do anything about this as it is a informal arrangement,

 

 

is this correct?

thanks again

[dx100uk]

how did they agree to stop interest - in writing?

 

 

have far have you got with the scanning?

 

 

dx

[beetlejane]

scanning failure! will ask my friend to help me tomorrow, yes in writing they agreed to stop the interest and charges I was charged from 2009-2012 and then it stopped- this is on the loan account that they have not defaulted me on but I have continuous late payments

[dx100uk]

well you have them on that front then!

[beetlejane]

Ok thanks

 

 

I thought so having got some of the SAR info yesterday.

 

 

So do I write to them?

and ask for the interest to be removed as they had agreed to freeze it,

 

 

it is actually the damn late payments that are causing me problems now,

 

 

wish they had defaulted me they did for everything else:(

[dx100uk]

well why don't we get everything sorted

like the PPI reclaiming

 

 

and address that issue at the same time?

 

 

dx

[beetlejane]

THANKYOU I will try and get as much info as I can and take it from there

[beetlejane]

Update=

 

 

NatWest have not completed my full SAR request as they have not sent me bank statements,

 

 

should I pursue this before I pursue the PPI and packaged account claim

 

 

as I don't know how much I paid out in either until I get the full statements?

 

 

thankyou

[beetlejane]

UPDATE

 

 

- Just before Christmas I received most of the remainder of my paperwork and it has been interesting reading,

 

 

I have been in my DMP 5 years and paid them over 9000 off one loan which was a total of 9500 when I went into the DMP,

as they subsequently continued to add interest they are stating I still owe them 7400!

 

 

I have a letter from them in 2009 agreeing to freeze the interest.

 

 

Any ideas please how I word this letter to indicate that the loan is now paid apart from 480.

 

 

I need this to be s very strong letter,

 

 

any advice please anyone?

 

 

thankyou

[dx100uk]

simply send them a copy of the letter freezing int

and ask why they have failed to comply with what they said.

 

 

you ned to be getting the PPI reclaim started

 

 

see link 1 below.

 

 

dx

[beetlejane]

will do that tomorrow and start the PPI claim as well at the same time, thanks for the response.

[beetlejane]

Sent my PPI claim in using the form that was on their website. they have now written to me with a further form asking lots and lots more questions. is this normal practice?

[dx100uk]

so you didn't follow link1 below then

 

 

for EACH PPI CLAIM

 

 

you need to do a spreadsheet and fillout the FOS CQ

 

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

[beetlejane]

I have now had an offer of £1700 in relation to one account

 

 

however the letter states that this will be used to "clear any arrears you may have with the group"

 

They have however not taken into account that this was then rolled into the next loan.

 

 

They have stated that if there are other "factors that should have been taken into account

that would alter the calculations please write to us to outline them,

enclosing copies of any evidence available. Alternatively contact us by phone.

 

My question is that I want to raise that this was rolled into another loan

which means that I have been paying interest on the PPI again as I took another loan to pay off the PPI

therefore am I best to ring or write to them?

 

 

any ideas anyone please and thanks

[dx100uk]

did you not point that out in the spreadsheet, the covering letter

and the FOS Customer Questionnaire you sent them?

 

 

dx

[beetlejane]

Yes I sent them all of that but they seem to have chosen to only pay the missold PPI on the initial loan, standard letter from them I think but they haven't broken down how it was calculated so I understand it . I know I need to get in touch with them and query it but not sure whether it is better to write to them so I have a record.

[dx100uk]

don't think it will hurt to ring them.

reminding then its a chain of refinanced loans and if they are going to correctly assess the reclaim.

 

 

dx

[beetlejane]

OK thanks for that , will do on Monday.

[beetlejane]

well after some phone calls

 

 

I now have an offer which I am going to accept in respect of my missold PPI,

 

 

this will then clear some of my DMP and I am in a position soon to pay the rest off,

 

 

I will still owe around 12k and have £6200 to offer the other creditors,

 

 

you think I am better to ask Payplan to do it or do I do it myself?

 

 

thanks so much for all your help,

 

 

donation to the site on its way as well

[dx100uk]

ok well done, good work.

 

 

don't foreget if you are going to F&F

CCa first and reclaim first on everything

 

 

do we have a list of your debts?

and to whom you pay them?

 

 

i'll go look.

 

 

dx

[beetlejane]

I have overdraft with Natwest/

 

Credit card with Natwest, both defaults one which "drops off" in April

 

one was registered in 2013 although I was in an arrangement to pay paid in full with PPI money

 

Default Halifax (Idem) registered april 2009

 

Mint CC default registered april 2009

 

nat west Loan which has been registered as late payment every month since april 2009- this will be paid in full with my PPI money

 

Capital one defaulted in april 2009

 

in summary that's the lot

[dx100uk]

when were these taken out?

 

 

if pre apr 2007 CCA might prove useful