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Natwest cant find Loan CCA - was paying Wescot £1PCM..what do i do now??


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no

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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sb runs from last payment or last signed letter from YOU acknowledging the debt.

 

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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Thankyou,

is it possible that this debt will go to a DCA,

(Debt is over 6 years old now and Natwest are unable to provide the original terms and conditions).

 

I have read that if a DCA does a check on you it can effect your credit file negativity.

 

I have managed through hard work to get my credit file back up to excellent after natwests default has now dropped off.

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Nope only you and they know

Can't hurt your rating 

And a dca is powerless anyway

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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  • 2 weeks later...

UnkinwnStuntMan

 

It is something like 20 months since you started this thread and I replied to you.  It is good to see you are still with the plan to reach the Statute Barred date.

 

 When we stopped payments in February 2013 SB seemed so far in the future. Like you, we read other people's success stories and decided to bite the bullet and go for it.

 

Our SB date came and went 9 days ago with not a peep out of NatWest.

 

Keep the faith and good luck.

 

 

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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Yup,

 

My wife had a loan and overdraft from Natwest which she defaulted on in 2007. 

 

It never went to a DCA, and they never Litigated. It went statute barred in 2013.  

 

 

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

 

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

 

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  • 2 months later...

Sorry to drag up an old thread but wanted to ask a question.

 

when Natwest put a default on my account I had 2 accounts which they put into default.

One was a credit card which now as past 6 years and with no CCA I no longer pay thanks to you guys..

 

At the same time I had a current account which they also stuck a default on at the same time.

I have been paying it £1 a month simular to the credit card.

 

I am still paying this but thinking is this the same as a credit card agreement being a current account or can i follow the same process and send them a cca?

this is over 6 years old now.

 

Thanks in advance

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No ...not applicable to current accounts..the longer you keep paying your £1.....it will never become statute barred...time to make a decision.

 

 

Andy

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

 

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

 

If you want advice on your thread please PM me a link to your thread

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Thats a choice for you to make....we do not advocate debt avoidance ...but if the debt has accrued purley through penalty charges and interest on penalty charges then you have to decide is it fair you should be settling this matter. 

 

Only you know how you serviced this overdraft and its history...if it is purley your borrowings and not penalty charges or interest then I would say no come to some settlement.

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

 

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

 

If you want advice on your thread please PM me a link to your thread

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It was that long ago I carnt remember the exact details of why it went into a default. I think it was an overdraft which I was struggling to pay back. Natwest did write and say they have locked / closed the account and put into default, i think. At the time I had just lost my mum to a terminal illness which is why i got into trouble in the first place becuase I came out of work to look after her and Natwest did not want to help or listen.

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I would get a DSAR running on the account and get all the data of how this debt accrued...then you make an informed judgment as to whether you feel you do owe it or whether is a debt created by the banking systems.

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

 

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

 

If you want advice on your thread please PM me a link to your thread

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One and the same Data Subject Access Request

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

 

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

 

If you want advice on your thread please PM me a link to your thread

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