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    • see***   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all leave jurisdiction unticked -  *** for the minute hang fire on doing AOS on MCOL until andyorch advises if/if not you question jurisdiction please   you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. ..  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/   CHANGE the list of documents too: Original signed finance agreement together with the terms and conditions IN ENGLISH Any notice of change in account terms and conditions that were ever issued since credit approval Any notice of default or UAE equivalent that was issued by the original creditor All and every statement of the account including how any interest has been calculated. Proof that UAE Court Judgement has already been gained upon said debt. Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and /or issue court proceedings concerning a UAE debt. The UAE is not a 'member state' . . . type your name ONLY*** no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]      
    • thanks. but, where shall i get a copy of this agreement/ guarantee. who shall i contact the claimant.
    • yes, sorry meant witness statement   will post up soon
    • Name of the Claimant ? Abu Dhabi Commercial Bank   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 20 Nov 2019    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) - AOS  XX + 19 = 08 Dec file defence date  - 08 Dec + 14 days = 20 Dec 19      Particulars of Claim The defendant owes £25k (debt under a credit card agreement with ADCB dated xx/08/2014 despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £25k and also claims interest thereonpursuant to section 69 of the country court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £2000.   What is the total value of the claim? £27900   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes - left Dubai   Did you inform the claimant of your change of address? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After - Aug 2014   Do you recall how you entered into the agreement...On line /In branch/By post ? Representative of bank visited at my place of work with all documentation.   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Not sure - Can’t see it on Clearscore (Equifax), only have basic Experian app (not Credit Expert).   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. Note sure; don’t think so. Moriarty claim to have “been instructed on behalf of ADCB”   Were you aware the account had been assigned – did you receive a Notice of Assignment? No; only had a letter, then a Final Demand, then the Claim Form and another letter )all from Moriarty)   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? I was made redundant so had to leave UAE to return to UK.   Despite me advising  ADCB’s ‘agents’ (DCAs etc) I had no savings, couldn’t find any work nor borrow money to make repayments and was presently in a DMP, I was requested to make a payment as a “good faith” gesture and then they would agree that the sum would not accrue any further interest and subsequently enter into an “affordable agreement”.   Despite my intention to offer any possible solution that I could manage - e.g. merging into my DMP - ADCB were not interested and it reached an impasse.   The payment I did make incurred high charges (SWIFT payment) I requested if I could pay by card or a method that would not incur high charges. I also offered to agree to % of any future income earned as well as a regular affordable sum.   I was advised this would be possible, but all promises made to me proved to be false and so despite me communicating my situation to ADCB all I was offered was to enter into an agreement that I could not afford or ‘final settlement’ that I also could not afford.   In addition to this, I’ve had all sorts of obfuscation, misrepresentation and false promises - esp. relative to Central Bank Listing, police case and suchlike -  that I was only promised would be “cleared up” should I make payment.   So the situation reached impasse - I wasn’t getting any sense or manageable proposals and I certainly couldn’t afford to keep paying the amounts suggested (especially incurring £20+ charges each time).   What was the date of your last payment?Jul 16   Was there a dispute with the original creditor that remains unresolved? ADCB didn’t seem interested in the litany of  questionable methods employed by their representatives - e.g. misrepresentations, fraud, deceit - and my suggestions of possible solutions (DMP or % of future income) were ignored, rather they just kept wanting money I didn’t have to ‘hold off’.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - see above; I advised them I had lost my job, could not find employment, had no savings but would be agreeable to adding to my DMP OR perhaps agreeing to a payment plan on a % basis of any future income.   QUESTIONS Do I need to get a full Credit Report from Experian or Equifax (other than the apps)?  
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Hi There, I am new to this site and need some advice please.

 

I have recently submitted a PPI claim to Natwest in respect of PPI.

 

I sent them a copy bank statement (dated 1998) depicting 'Credit Card Repayment Protector' being deducted at GBP30.67 per month on a balance of GBP4151 per month.

 

I rang them and they have stated that this is CPP and not PPI.

 

I know that this is not the case and have told them that.

Any advice at all please and thanks?

 

I have been informed that a rough calculation is that the PPI would have cost 77p for ever GBP100 outstanding on my credit card balance each month.

 

Therefore the monthly payment of £30.67 on a balance of circa £4151 seems to suggest I was indeed paying the above insurance premium.

 

Whereas NatWest CCP Credit Card Plus cost £36.99 a year

Edited by Millown
adding more information

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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.

 

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

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Can anyone tell me if Natwest may still hold Credit Card information from 1996-2001.

 

I found a statement with PPI on it for one month dated August 1998 and after 12 weeks with Natwest they have made me an offer of GBP142.22.

 

Obviously I wouldn't have just had PPI for one month and in my naivety assumed that they would make an offer based on historical payments.

 

I have not accepted the offer, but for the life of me now need to find further statements.

 

Would a SAR be able to provide statements back that far.

 

Any advice I would be so grateful for.

Edited by dx100uk
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They certainly do have an archive and you should certainly make an SAR. All of the banks hold far more information than they'd like to admit – you simply have to be a bit canny about getting it.

 

When I originally set off an SAR from my own bank – Lloyds, I was told that they only kept six years worth of data. I then accidentally discovered that they had an archive centre in Andover and I got data going all the way back to the year 2000. I spoke to someone at Santander a few years ago and they told me that they kept all their records in various forms – digital, microfiche, paper back to at least 1933. I think their archive centre then was in Leighton Buzzard.

 

Somewhere in this forum there is a reference to the NatWest archive – but you will have to search for it. If you find it, then it will give you much more information and maybe you can post up the results in this thread.


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They certainly do have an archive and you should certainly make an SAR. All of the banks hold far more information than they'd like to admit – you simply have to be a bit canny about getting it.

 

When I originally set off an SAR from my own bank – Lloyds, I was told that they only kept six years worth of data. I then accidentally discovered that they had an archive centre in Andover and I got data going all the way back to the year 2000. I spoke to someone at Santander a few years ago and they told me that they kept all their records in various forms – digital, microfiche, paper back to at least 1933. I think their archive centre then was in Leighton Buzzard.

 

Somewhere in this forum there is a reference to the NatWest archive – but you will have to search for it. If you find it, then it will give you much more information and maybe you can post up the results in this thread.

 

Thanks once again for your extremely helpful reply. I’ll get searching in the firum and will certainly share the information. In terms of the register ICO it is asking for a code for The Supplier any idea what code I would use for Natwest?

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ico what have the got to do with it

 

send the oc an sar


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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Hi just to confirm that the address for Natwest/RBS SAR is : Subject Access Request Team, RBS, House B, Gogaburn, PO Box 1000, Edinburgh, EH12 1HQ.

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Sorry to resurrect this thread, but if this helps anyone searching for NatWest current account statements,

I managed to get mine dating back to 1992 with the help of the ICO.

It seems to make a difference if your account is still active.

 

But if you are seeking copies of credit card statements you can only request them back to 2001.

I suspect they have earlier ones, probably in microfiche which NatWest won't confirm one way or another if these archives exist.

 

Can I ask BankFodder about Santander having archives back to 1993.

Did you receive any credit applications or transaction history back to the 1990's?

Many thanks

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might be better to post on your own thread?


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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might be better to post on your own thread?

 

 

 

Sorry to resurrect this thread, but if this helps anyone searching for NatWest current account statements,

I managed to get mine dating back to 1992 with the help of the ICO.

It seems to make a difference if your account is still active.

 

But if you are seeking copies of credit card statements you can only request them back to 2001.

I suspect they have earlier ones, probably in microfiche which NatWest won't confirm one way or another if these archives exist.

 

Can I ask BankFodder about Santander having archives back to 1993.

Did you receive any credit applications or transaction history back to the 1990's?

Many thanks

 

yes please. Please start a new thread for this because it is very interesting information.

 

I think we would be very interested to know the story of how you managed to obtain data going back to 1992 – and why is that you had to enlist the help of the ICO, what did the ICO do – and how long did it all take?

 

The Santander archives that I referred to went back to 1933. I have had no dealings with Santander all those archives. This was simply someone who popped up on this forum in 2006 or 2007 and told us that they had been an Abbey National archivist. I travelled to meet her in Leighton Buzzard because I thought the information was so important and because at that time the Abbey bank and others were withholding information in order to try and frustrate bank charges claims.

 

She told me about their microfiche system which went back to the 1960s and then before that a paper system which went back to 1933. Apparently the whole lot was housed in Leighton Buzzard. I have no idea if it is still there – but I imagine that it probably is – meaning that I imagine it still exists although I don't know if it is still housed in Leighton Buzzard. Is there a Santander building in Leighton Buzzard now?

 

I'd be very grateful if you could tell us more about your remarkable success in getting data back to 1992 – but in a new thread.


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he already has an old thread.........................


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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yes please. Please start a new thread for this because it is very interesting information.

 

I think we would be very interested to know the story of how you managed to obtain data going back to 1992 – and why is that you had to enlist the help of the ICO, what did the ICO do – and how long did it all take?

 

The Santander archives that I referred to went back to 1933. I have had no dealings with Santander all those archives. This was simply someone who popped up on this forum in 2006 or 2007 and told us that they had been an Abbey National archivist. I travelled to meet her in Leighton Buzzard because I thought the information was so important and because at that time the Abbey bank and others were withholding information in order to try and frustrate bank charges claims.

 

She told me about their microfiche system which went back to the 1960s and then before that a paper system which went back to 1933. Apparently the whole lot was housed in Leighton Buzzard. I have no idea if it is still there – but I imagine that it probably is – meaning that I imagine it still exists although I don't know if it is still housed in Leighton Buzzard. Is there a Santander building in Leighton Buzzard now?

 

I'd be very grateful if you could tell us more about your remarkable success in getting data back to 1992 – but in a new thread.

 

Thanks Bank Fodder that's also very interesting to read. I will start a new thread in a few days about the NatWest/ICO issue, busy with car problems at the moment!

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Natwest SAR

- I have received a reply from Natwest stating that there is no archive system for credit card statements.

They do state that there is an archive for current and loan accounts.

 

Obviously I will not be giving up, but just want to know what is the best way forward getting the information that I want.

 

They have stated in their letter the storage start dates for credit card statements is from 01 January 2001.

I am looking for statements from 1996-2001.

 

Any advice would be very welcome.

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Did they send you a copy of your credit agreement from 1996?

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No they only sent me 6 months worth of statements dated 2002

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Hi There!

 

Did you have any luck getting old credit card statements from Natwest? I'm trying to at the moment so any tips would be great!

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I have sent an SAR to Natwest in respect of credit card statements from 1996-2001. I have received 6 months worth of statements dated 2002. They are insisting that the Natwest Archives only hold information on bank accounts and loans and not on credit card statements. I have done some trawling through previous threads on CAG and it has been stated that they definitely do hold credit card statements back to the date I want. Any advice please and thanks in terms of making sure that I get the correct statements.

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Three threads merged...please keep to one thread per issue.

 

Regards

 

Andy


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Three threads merged...please keep to one thread per issue.

 

Regards

 

Andy

 

Sure thing Andy

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I've been chasing for 7 weeks for old statements and no-one is responding to me at all from Natwest. They sent me 3 months statements in May and not the dates I requested in my original SAR.

 

I wrote back and told them that they had were in breach of SAR and that my credit card statements will be in the archives and reiterated the dates again that I require. I have asked on 8 occasions to forward my emails to the head of complaints and not one email has been responded to.

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ICO time?


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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Yes have done this morning. Sent copies of all emails and correspondence.

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