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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Nat West PPI block

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Hello again,


Is anyone else having real problems with Nat West credit card PPI?


I filled out the online form to enquire if i had been missold PPI on two credit cards. A few weeks later i got a letter saying they had nothing on file and couldn't find an account number for me. Got back in touch and said i had specifically asked about credit cards as i don't have a bank account. Absolutely nothing from them. Filled out the online form again and highlighted it was credit cards only. Again nothing.


sent letter and money requesting SAR, a few weeks later got a letter saying they had assigned my request to someone and the request only gives me access to my personal data etc etc.


12 may got a phone call from nat west saying they couldn't send the SAR because their carriers don't deliver to Cyprus but they had sent me a secure SAR via the banks internet.


I received 38 documents of old statements, 2 letters from me about change of address and 1 bank info saying i had paid extra off my credit card.


i did not receive the initial credit card agreement, nor a copy of the letter they sent to me saying they had no information from me.


I emailed the chap back via the secure service and it was received the following day and asked him for a full printout of my history, plus the Notes on the Nat west archive and asked what was their data retention policy regarding credit card details. Also asked why they couldn't deliver SAR to me and who were their couriers?


this was on 16 May and to date nothing!


Any one with any ideas how i should proceed.


apologies if this is long winded but I'm stumped and wondering if i should put in a Plevins case if possible.


thanks for reading

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Where did you send your SAR request to

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Hi bankfodder,


I sent it to the address in Edinburgh and got a reply from the SAR team.

The woman who sent the letter said she was assigned to it but a guy who is the SAR’s administrator told me they couldn’t post the report and he’s the one who emailed me with the credit card statements.

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