CCA RESULT: NATWEST have said they do not have my default letter, can i get it removed??

[shiblets]

Hi Everyone,

 

i have requested a SAR on Natwest Bank and also Barclays,

so far Natwest have replied back with their first letter.

 

The objective of my SARS is to attain my old statement, fees, transactions and charges to claim back on and also for PPI.

 

I know I have had a lot of bank charges as I used my Natwest account when i was a student and really bad with my money!

 

I have attached the letter which Natwest have sent back,

i was hoping someone could shed some light on what I could reply via email with?

 

They have mentioned statements

now can i say I just want ALL the information and statements available

or I remember reading somewhere to specifically state i want all bank charges and fees?

 

I typed up the below to send them, unsure if it is any good?

 

Thank you for your letter of acknowledgment to my SARS request.

 

As my letter states, I require ALL relevant documentation linked to my name,

therefore I would like all statements including bank charges and fees to be provided to me,

from the date my account was opened till it was closed.

 

If you are concerned about the environment I will consider having it emailed over to me from an official source along with a written letter confirming what has been or will be provided via email to me,

this is to ensure its authenticity, it is also proof for me should matters escalate due to any data violations and unlawful SARS violations.

 

I should be informed of any documentation that cannot be provided to me via writing or email correspondence.

[maroondevo52]

Just the first sentence would do, your charges and fee's should be on the statements.

[dx100uk]

I wish all the data concerning this account for my personal records.

[shiblets]

Hi All,

 

I had another post on here where i had started my CCA requests for several debts, one of which was Natwest.

The result has been interesting:

 

1: Natwest have sent across paperwork,

a list of what letters were sent out to me and dates but no actual letters!

 

There was a direct email address for the case worker who was dealing with my CCA request,

i emailed stating that there was no hard copy of the 'default' notice stated in the paper work

simply a date and that i require a copy of the original default notice letter,

as my SARS request stated i require ALL documents sent or relating to me.

 

I had a reply saying they did not hold this information on the system so she cannot provide me with proof of a default letter.

 

Now my question is

 

how can i chase this up and get my default removed as they do not have evidence that they sent me the notice

yet continue to put a default on my credit file.

 

2: Natwest had orginally had Robinsonsway to chase me for my debt,

whilst i sent a SARS to natwest i had sent a CCA request to robinsons way,

now they sent quite few letters stating that the account is on hold while they request this information

as it has not been provided yet.

 

I have now received a letter from NAtwest stating the following

 

" Our collection agents have been unable to come to a suitable arrangemnt with you, t

herefore your account details have been passed to Allied International to act as our new collection agent.

 

Any queries about your account should now be addressed to this collection agent until further notice.

 

Allied International will be in contact with you during the next 14 days to discuss yoru repayment options,

should you wish to contact them directly their contact details are 0141 228 3008

Regards

Debt Management Operations.

My question

do i now have to go through the entire process again and send a CCA to this new DCA?

if that is the case could natwest simply do this over and over again with a new DCA every few months?

 

Is there a way i can put an end to this, clearly natwest couldnt provide robinsons way with the correct paperwork.

 

Thanks!

[havinastella]

You my friend have your defaults mixed up.

 

The entry on your CRA file is completely different to the default notice they send to terminate the contract. You have little chance of getting the default removed if it is accurate.

[lookinforinfo]

As far as Allied are concerned you can either ignore them

or send one letter explaining that you have sent a CCA request to NW

and they stil have not complied with it.

 

 

Therefore no collection attempts can be made until your request has been satisfied.

Any further letters will result in a strong complaint to the FCA.

 

As far as NW are concerned you do need to write to them.

 

First they have no business passing your details to a DCA when they have failed to respond to your CCA request.

In addition they have failed to comply with your SAR request completely.

 

 

Should any correspondence come from Allied before the CCA request has been sent

you will complain to the FCA about your cavalier attitude to the Law

and to question whether hey are fit to hold a Consumer Licence.

 

On another matter, was the debt for a loan or a credit card, and when was the last time you made a payment.

[dx100uk]

quite honestly

until/unless your CCA request is met

i'd simply be ignoring everyone.

[shiblets]

Hi Lookinforinfo,

 

Thank you for your kind advice,

the CCA is for a bank overdraft,

 

I am now reading around further about this and it seems that banks do not have to comply with a CCA request if it is related to an overdraft.

 

Whilst Natwest have not written to inform me of this,

 

i am in a similar situation with Barclays

they have had PRA group who are their DCA and who i had sent the CCA request to

with a letter stating the above fact.

 

I am now in a dilema how to handle this.

I am writing with a letter to Allied and NAtwest as suggested

however any ideas from anyone on how i could deal with this if it is an overdraft?

[dx100uk]

Barclays have nothing to do with PRA

PRA [akitiva Kapital] are a debt buyer/DCA group

 

 

just do the sar

that's all you can do to the OC for a bank account

[shiblets]

Barclays have nothing to do with PRA

PRA [akitiva Kapital] are a debt buyer/DCA group

 

 

just do the sar

that's all you can do to the OC for a bank account

 

Hi Dx100uk

 

I have done a sar on Barclays and natwest.

 

I am unsure what I am meant to do with all the information sent to me really.

Neither sent me the original default notices that they have listed as part of the letters sent but not the letter itself.

 

Regarding pra they are saying in the letter they are acting on behalf of their client and the account with Barclays.

I will upload the letter from them if it helps.

 

I am unsure where I can go with this now,

after sar and cca I was hoping to either find out if they are unenforceable

or have some power to negotiate reduced f&f

and as they have kit provided proof of default notice which is now on my credit files I could negotiate that off too.

 

Please any advice what my next step should be?

[dx100uk]

all they jave to do is have anote in the comms/account log that a DN was sent

if that exists, not 'actually' havng the DN or a CCA [for the Barclays one]

is no reason to remove a default sadly.

PRA don't chase debts for others

so their client I doubt is Barclays.

 

 

cant see what you can do sadly

 

 

what are the defaulted dates in the summary section not the calender?

 

 

dx