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    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
    • sorry I was mixing the wrong CAT provider in there. yes JDW, not SD   so in a nut shell you cant find any payments to JDW or say Littlewoods or any of the JDW catalogue names they provided but can find ref for studio cards [yes express gifts]   so they are trying 2 claim on at least 2 cat debts that are prob SB'd and using AC numbers in their POC that don't appear to match those on your credit file?   what about the studio card details, does the payment ref match the POC AC number?
    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
    • When you list your debts, can you include  the approximate month/year you took out the account or loan.  Also when the accounts were defaulted, if you have received a default notice and could not pay the amount on the default notice.   If you have Government debts such as Council Tax, please state the current position.    Are you currently working ? Do you claim any benefits  ? If you are on low income, have you applied for any help. It would be Universal Credit now and not  Council Housing Benefits, unless you have any existing Housing Benefit claim.    
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TheUnknownStuntman

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

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no


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but I thought by being in contact with me about the loan that prevents it going back statue barred, the debt is now over 6 years old. Thankyou for replying.

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

 

dx


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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


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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

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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.  

 

 

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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


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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.


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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.


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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

 

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

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OK, so I have found that Natwest have a procedure for submitting a SAR with a downloadable pdf and and a specific address, is this the same or is a DSAR different ?

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