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    • Hi all,   Summons Info info as follows.....   Name of the Claimant ? Stonegate Pub Company Ltd Porter Tun House 500 Capability Green Luton LU1 3LS   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. Nov 19th 2020   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Deadline = 21st Dec 2020 Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. 1.      Whilst the defendant was employed by the claimant the defendant sold goods belonging to the claimant receiving full price and purporting to account therefor but only accounting for part thereof and retaining the balance for his own benefit. 2.      The defendant has thereby (1) stolen, and/or (b) failed to account and/or (c) committed a deceit and/or (d) been unjustly enriched by the amount retained. 3.      The claimant suffered a loss from the defendants actions of £526.95 including the cost of investigation. The claimant claims interest under section 69 of the county courts act 1984 at the rate of 8% a year from 22/12/2019 to 18/11/2020 on £526.95 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £0.23.   What is the total value of the claim? £735.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes, notice of civil claim   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? N/A   Do you recall how you entered into the agreement...On line /In branch/By post ? N/A   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? N/A   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. No, Claim issued by BLP   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not as such assigned, just received letters from BLP claiming to be acting on behalf.   Did you receive a Default Notice from the original creditor? N/A   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? N/A   Why did you cease payments? N/A   What was the date of your last payment? N/A   Was there a dispute with the original creditor that remains unresolved? N/A   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? N/A   As a lot of the questions above relate to credit Ive had to N/A quite a few but everything else is answered. If it helps I can post the other two letters he received one of which is a final demand.   Lastly, does he have a right to see any evidence they claim to have against him under CPR?   Cheers, Chris  
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    • By coincidence I've just come across this thread  https://www.consumeractiongroup.co.uk/topic/429374-ukpcs-windscreen-pcn-parking-in-disabled-by-without-bb-scotland/#comments  Have a look at post 22.  This is if you want to go down the DVLA route.  However, as scribbled above, I would imagine that the DVLA had already registered you as owner.   I agree with Brassnecked that the solution here is to get on to the people who should have put you on a white list, especially as it's likely you'll get another present from Minster Baywatch.  
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Natwest cant find Loan CCA - was paying Wescot £1PCM..what do i do now??


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Good Afternoon.

 

I was wondering if someone can help me with some questions regarding an old debt I have.

 

About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care.

 

At the time I was paying for a Loan from NatWest.

 

I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help.

 

3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no.

 

On the 3rd time I spoke to the General Manager who said to stop paying the loan and we will be in touch to arrange a lower payment.

I was unaware what this actually meant but did it.

 

5 Years on I have a default and debt owing to NatWest,

However they have got Westcot to manage the Debt which I pay a token payment of £1 a month.

 

Recently a friend told me about the original terms and conditions tactic.

 

I wrote to Westcot asking which they told me they only manage the debt

I then wrote to NatWest who have replied saying they cannot find them or have enough data and that the debt is not enforceable

however because I'm in default this only stops them not pursing in court.

 

 

The letter says please continue to pay because it they don't they will use what ever means by the law to get the debt back.

 

They also say the Debt is still Valid and please contact them to arrange payment if I haven't already done so.

 

My question is what do I do now?

 

My Default will drop off soon and I don't want to cause a issue which could stop that happening.

 

This is the only debt I have and its effects my credit score.

 

What should I do?

 

Any help with be greatly received.

 

I have attached the letter.

Natwest Letter.jpeg

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Easy - Stop Paying :)

 

Its as simple as that. Wescot dont do court and also as they have confirmed it is unenforceable then they can go whistle...

Nothing they can do to you :)

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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I am really uneasy about just stop paying. I don't want the fact the default will drop of my credit report next year be effected in any way.

 

 

Letter says that the default only prevents them pursing the debt thought court.

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Yes which means no public CCJ :)

It wont be affected. 6 years from the default date it will drop off paid or not! :)

 

You have nothing to lose honestly!!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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they'll fog it on to a debt buyer

you'll get a notice of assignment

then fire off a CCA request to the fleecing DCA that buys it.

 

 

cant hurt your file anymore

it will vanish on the defaults 6th birthday paid or not

never to return.

 

 

if nastywest cant find the signed agreement

then neither will they be able to supply it to a no powers DCA

they ARE NOT BAILIFFS

 

 

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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DX is right - These debts are sold without CCA info so they have to go back to the original Cred... If they cant then... CrapOuttaLuck...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Good Morning Guy,

 

Spoke to Citizen Advice Debt Department and they said that the CCA request does not stop Nastywest taking me to court or getting a CCJ. They said websites like this give false information.

 

They also said that Nastywest will try to report me as bankrupt so the best thing I can do is offer a settlement and pay off asap.

 

Is this true, can Nastywest declare my bankrupt and that appears as a separate point on my credit report.

 

Also is there a template letter when replying to a unable to provide the original terms and conditions.

 

Thank you for all your help so far guys..

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NatWest cant just declare you bankrupt

and some wings of CAB have some very strange ideas about what courts can and cannot enforce

without a signed agreement

and the fact that the ORIGINAL CREDITOR ADMIT they have no agreement.

 

as I said

they'll flog the lemon on. to a DCA.

then its over, because if NW cant find the CCA

sure as eggs is eggs the DCA wont either.

 

the quicker you stop paying

the quicker it will become statute barred

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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So got a response from the National Debtline regarding my situation.

 

The creditor could seek to issue a claim against you in the county court and it would be at the discretion of the court whether to grant a judgment.

 

The court would be able to grant the judgment even if there were no original agreement or terms and conditions.

 

You will require legal advice to establish whether any such claim should it be made would be successful or not as this is likely to ultimately determine whether you seek to repay the debt or not.

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well cag cant keep repeating itself.....

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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Agree with DX - If you enter a defence and put them to strict proof with an agreement then they would be outta luck on this one :)

Thats IF they issue a claim... They wont :)

 

Stop worrying! :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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You have had a lot of very good advice on here. Now I would like to tell you of my actual experience with my NatWest loan.

 

My wife had a £13,400 NatWest loan and, like you, they lost her original agreement.

We went through the same emotions as you are some 4+ years ago.

Dare we stop paying, what might happen, etc.

 

We stopped making payments to them back in February 2013 and guess what happened - nothing.

It must be over two years since we last heard from them.

The default dropped off her credit history long ago and now we are only 19 months away from the debt becoming statute barred.

 

Your choice - but the advice we received on here was the same as you have been given, and it is working well for us.

 

As an aside, we also made a PPI claim on this loan, which was actually three loans rolled forward and were awarded just over £10,000 (yes - ten thousand pounds) which they paid by cheque.

Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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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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  • 4 weeks later...

I believe they have 8 weeks

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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  • 2 weeks later...

The CAB advice is correct. The court can enforce without the creditor having to provide a signed agreement.

 

Regards

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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127 Enforcement orders in cases of infringement.

 

(1)In the case of an application for an enforcement order under—

[F1(za)section 55(2) (disclosure of information), or]

[F2(zb)section 61B(3) (duty to supply copy of overdraft agreement), or]

(a)section 65(1) (improperly executed agreements),

 

the court shall dismiss the application if, but F3. . . only if, it considers it just to do so having regard to—

 

(i)prejudice caused to any person by the contravention in question, and the degree of culpability for it; and

(ii)the powers conferred on the court by subsection (2) and sections 135 and 136.

(2)If it appears to the court just to do so, it may in an enforcement order reduce or discharge any sum payable by the debtor or hirer, or any surety, so as to compensate him for prejudice suffered as a result of the contravention in question.

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  • 2 months later...

TheUnknownStuntsman.

 

Did you have any success with your PPI claim?

 

I to had a loan with NatWest, and they couldn't find the CCA, I have no idea whether there was PPI or not. The Debt is now statute barred. Originally, on principle, I didn't even consider trying to claim PPI, however, as they are still being difficult, I'm now considering it. Just wondered if you had any success.

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  • 1 year later...

Sorry to drag this back up but I have now stopped paying them and the default has dropped off,

however Natwest still send me an account summary every six months because they are to do so by law or something,

Because they are doing this,

does this stop the debt becoming statue barred ?

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On ‎30‎/‎11‎/‎2017 at 16:48, flooz said:

TheUnknownStuntsman.

 

Did you have any success with your PPI claim?

 

I to had a loan with NatWest, and they couldn't find the CCA, I have no idea whether there was PPI or not. The Debt is now statute barred. Originally, on principle, I didn't even consider trying to claim PPI, however, as they are still being difficult, I'm now considering it. Just wondered if you had any success.

 

No, they said I have already had a refund which I clearly have not and they just became awkward about it. I have a ppi company chase them but they wanted me to prove they owe me money.

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