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    • I was going to suggest cooperating with her over the letter copies so as to look good in court, but on further consideration BazzaS & SuperVillain are right.   However, to make it easy for the judge and to show her up in court I would tweak the letter and add that this is the third time you've asked so that the expert can be "jointly instructed" and you are anxious to move things on as the two of you are already beyond the court's deadline.    You are writing to her but in a certain sense you're writing "to" the judge and what you are writing needs to be concise and follow the court's instructions - unlike her gibberish.  
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Natwest CCA Response

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Hi all - this is a split off from a more general thread where following your Cash Cow advice I have sent off many CCA's

 

This is a Natwest CC taken out in Mid 2004 - Balance around £2300

 

Currently paying £1 PCM Direct - Account in Default since 2010

 

The application was made online

 

They have sent me

 

1) a covering letter telling me they can send me a copy agreement and "current" terms.

 

2) A current leaflet with the General Conditions

 

3) A letter regarding a replacement Credit card with no date

 

4) A signed credit agreement A6 size no mention of limits or APR's

 

5) A letter with a copy of the agreement with APR's on an Credit limit

 

6) A photocopy of some more terms with some minor variations in the Advances APR's

 

7) A copy of a current statement.

 

 

I have no idea what most of this means and your guidance as to the next steps would be greatly appreciated.

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Please see attachments

- The names should explain what they are

- I hope all is redacted properly

 

and the last one

CCA return.pdf

Edited by dx100uk
numerous single half page PDF's merged and cropped - dx

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Anyone got any ideas with this one please?

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All in order...complete with your signature and prescribed terms.

 

Andy


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Do the different APR not mean that this is not the correct terms?

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if they sell it on

i'd question the cca again.

but as this debt is still with the oc,

I'd be thankful and let it run.

 

 

only downside is

whilst you pay..it'll never be statute barred..

 

 

and you state it was an online application

so

they must have sent you the agreement

and you must have thus signed it.

and returned it.


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Ok thanks for your advice everyone on this one.

 

I reckon i will need to let it run.

 

Do you think they would be up for settling at a lower percentage

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pers i'd let them sell it on

is this defaulted on your credit file?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Defaulted 7 Years ago so already off my file.

 

I don't fancy them waking up soon to start action which is why i wanted to settle.

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Should fall off after 6 ? When did they mark your file ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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so it cant comeback then.

 

 

carry on what you are doing

the £1

let them sell it on

that will put you in a stronger position to offer an F&F to a debt buyer than the OC.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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