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    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
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Nat West long term problem


rob r999
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Hi

Background...

I had a loan from nat west in 2006 funds paid to me were £9400 Nat west own statement confirms this.

They say the loan was for £22400 ( or thereabouts).

I had problems with my finances .. the bank account went overdrawn, got divorced, house went to the ex.

In 2009 i snet CCA request for the loan agreement - they coudl not find it.

They tried and failed to take me to court ( because they coudl not find the agreement)

I know there was an loan but acording to what the bank statement shows it was for £9400 not £22400.

 

Nat west of course argue that its the higher amount.

Since 2009 ive been on a DMP with payplan and I have to keep arguing about the nat west loan amount.

 

What I want to do is get the amount of the loan confirmed, they ( N west) say ist £22400 i say whats left is about £2200.

 

Llast contact I had with nat west was to confirm that unless they proved otherwise i will treat balance as what i say it is.

I want to look at doing some final settlement offers in about 2 years ( when i can get some pension money)

Couple of questions ...

 

How should i approach this ? - write and complain to NW ? then go to FOS ?

 

I was looking to complain that the lack of the £13000 plus missing funds from the loan have put me in the debt situation im in ..

( at the time i took out the loan i had debts with multiple cards. )

 

any help appreciated

Rob

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It was eadyest option during divorce an re marriage... What I am aiming at is compensation for the £13500 they under paid me in the loan compensation for 10 years of financial problems caused by any west incorrect amount of loan.. Loan statement says 22500. Bank stement from nat west themselves £9945 I asked them 4 years ago what happened to the other 13000 odd. No reply on that question.

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As the underpayment to me on the loan was about 12300 - i am looking at asking them for a bit of compensation -

Interest on the money they did not lend me £ 2797 ( they charged it i should get it back)

Interest on money i borrowed to cover the £12355 i was short £7371 ( its cost me this extra over 9 years)

Extra i have had to pay to rent rather than buying a flat £1000

Loss of the increase in home value i would have had £9000 ( a flat would have gone up by this if i had been able to buy instead of rent)

Emotional cost £500 a year for 9 years £4500

Taking all that lot into account i want £16138 paid to me from nat west ...

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send a SAR to natwest to get all the facts before making any complaints

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Yep

No other way to go

 

DX

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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send a SAR to natwest to get all the facts before making any complaints

 

I did do that in 2010 plus a cca request as well. they could not find any loan agreement and they claimed they could "fully document and prove the loan funds went to my advantage gold account ... and the proof they sent was that £9945 was paid to me .. they conveniently forgot to send any confirmation of what hapened to the missing £12500 odd that they did not pay me ..

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so what documentation did they provide to prove this

 

in addition advantage gold, were you forced to take this type of acc in order to receive the loan?

 

Did you receive loan statements as part of your SAR?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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The account was already set up like that. Yes they sent loads of statements but they all say 22000 odd as the loan .. But what they actually paid me was 9945 but they call it 22000

 

From what I remember there was no force to have the account as gold ... We used to have it for the travel insurance.

 

You think I should do another sar ? The only stuffive had from them in 4 years is a statement each yr.

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I'd issue a new sar

don't put any account numbers on it

 

 

read the full sar thread first too!!

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 idea. ..they said in a letter that they paid the money to the bank account but it did not all go there. Life was a bit confused around then.. Money affairs chaotic and my wife at the time was having affairs.

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No idea. ..they said in a letter that they paid the money to the bank account but it did not all go there. Life was a bit confused around then.. Money affairs chaotic and my wife at the time was having affairs.

 

Hi rob r999

 

I also had an advantage gold account and was advised to take out a consolidation loan when I was in a bit of financial trouble, even though I could not afford it !

 

If I remember some funds were paid into my bank account to clear my overdraft and the rest was used to pay off some credit cards.

 

Hope that helps but as advised by others get a full SAR sent off asap.

 

It took me a couple of reminders to NatWest Edinburgh to receive everything including bank account details, so be warned :wink:

 

Was you also paying a monthly premium for use of the account ?

 

Did the account in anyway get passed to NatWest CMS Telford or Birmingham ?

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  • 3 weeks later...

I will update when i hear back .. took a recorded delivery letter then a recorded and guaranteed delivery letter before i knew they had the letter. ( seems their address might have changed)

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  • 4 weeks later...

Had letter yesterday.

they say the loan was partly used to pay balance on a previous loan they said i took out in 2003 so the £9945 odd was what was left after paying previous loan.

 

Its a bit strange that they have taken 6 years to "find" this information despite a CCA request and a DPA request plus a load of letters confirm my demand to know what they did with the rest of the money. Now because FOS are involved they have dug up where the money went -

They still have not done a credit agreement.

Am no unsure what to do.

In about 18 months i should be able to offer a full and final to all the creditors from a tax free pension pot but is this the right thing to do ?

 

I still paying them about £17 on a DMP. SHodul i carry on paying this ? or stop paying them ?

Totals at moment

Cabot £5,238.00

Cap Quest £2,367.00

Link £6,513.08

Moorcroft £1,297.00

nat west acc £2,400.00

nat w loan £20,700.00

Total £38,515.08

 

( all above were credit cards except nat west which was a loan and a bank acoPiers Morgan)

 

Plus can a bank miss details from a SAR then use the information later ?

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every dca should get a cca request

 

 

was their ppi with this NatWest refinanced loan too

 

 

bet link nor Moorcroft cabot or capquest have any paperwork

more signs of being cash cowed

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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