Jump to content


  • Tweets

  • Posts

    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

NatWest card PPI reclaim paid to DCA - wrong default date too!! **RESOLVED VIA ICO + COMPO**


shellbells1982
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1582 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

NatWest Mastercard - account opened in 2009 with a £950 limit

Account was passed over to Cabot in 2016 after NW got tired of me paying a minimum payment

 

I WAS paying Cabot a fee per month (Have since cancelled that over a year ago now)

Cabot was CCA'd end of 2017 -acknowledged letter but never sent CCA

 

I've recently SAR'd NW and have now got from them statements from 2009 and a CCA

Have seen on statements that there was PPI on the monthly statements from 2009 - 2010 (£7.90 p/m)

Also late payment fees and over limit fees on some months from 2010 -2013 (£12) have been added

My credit limit has always been £950, no increase given or asked for.

 

In June 2012 I was able (due to a glitch in NW''s banking/ IT system at the time) (was well reported) to withdraw £100 cash bringing my account to over £1,000 balance

 

A PPI claim is currently in progress

And I'm about to send a claim for the late payment fees and over limit fees

 

The date of default shows on my CF as 06/05/2016.

I can't find a/my copy of this.

Is this supposed to show on my statements 'default' - as do late payments and over limit fees do?

 

I may of been written to about it, can't remember.

I def know they wrote to me saying my account was going to Cabot and to pay them directly.

The payments from Cabot show on my cc statements

 

Even though the accounts supposed to be closed they've provided me with statements up until 2018 never received in the post

Link to post
Share on other sites

  • Replies 69
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

statements were the responsibility of cabot from the date NW sold it .

did you get a notice of assignment from cabotNatWest?

 

there is no default fee

but the date should show in the SAR comms log.

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... 

Link to post
Share on other sites

Yes I got a letter from Cabot informing me that they were taking on the account

 

I've not received that in the SAR

 

I don't know if NW are drip feeding information at the mo, as in their 1st response to the SAR they only gave comms logs and that was relating to an old fraud case

 

I followed up with an email stating I wanted everything for the account and they sent the statements yesterday - only statements nothing else

Link to post
Share on other sites

was that letter around 06/05/2016 the defaulted date?

 

when was you third late/short/missed payment?

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... 

Link to post
Share on other sites

Received a letter dated 30/08/16 - Changes to the ongoing management of your repayment plan

 

We're writing to advise you that we have partnered with Westcot Credit Services Ltd who will now manage the remainder of your plan

 

 

Received a letter dated 24/08/17 - We hereby give notice of the assignment of the debt due to us by you in respect of the outstanding balance on your Natwest account

 

Goes on to explain on 03rd July 2017 my account was assigned to Cabot Financial who are now the legal owners of the debt and Westcot will manage the account on their behalf

 

Then goes on to payment details and all that jazz

 

 

These are the only hard copies that I have, any other letters sent from NW I don't have/ can't find

 

I've gone through all of 2016's statements and not one missed/late or defaulted payment. Paid every month on time by DD, though minimum payment. So its strange that my credit file is showing defaulted date as that year

 

29/03/2010 was my 3rd late (and then)

29/04/10

04/08/10

29/11/10

 

A run of over limit fees goes from 2010 to 2013 every month

Link to post
Share on other sites

so by the ICO guidelines of time [2010] they should have issue a default notice on 3rd marker whatever it was

and ofcourse all those fees are reclaimable.

 

nastywest are masters at this but we've had lots of wins against them.

 

the 2016 defaulted date could be the date they put the debt up forsale which is the usual reason, then a few weeks late a debt buyer bought it.

 

- - - Updated - - -

 

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=natwest+late+defaulted+date&sa=Search+CAG

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... 

Link to post
Share on other sites

Letter sent to NW on 02/02/19 in regards to incorrect entries with the CRAs and requesting to change/log a correct default date on my credit file

 

So we'll see/ keep you updated on that

 

 

Letter received 28/01/19 from RBS PPI Team - complaint is being investigated......

Link to post
Share on other sites

  • 3 weeks later...

So I got a letter from Natwest Card Services today (uploaded)

 

Saying they've done everything correctly in regards to my CC account and that the date stands on my CF

 

However they've totally ignored my (main) point in my letter to them was;

 

The information that has been recorded with the Credit Reference Agencies (CRA) in regard to a previously held Mastercard - ACCOUNT /REF NUMBER xxxxxxx is incorrect and out of date.

 

And that it's not in accordance with the ICO rules

 

The third missed payment was to be marked as a default and wasn't

 

Basically the 4th principle for the reporting of arrears, arrangements and defaults at credit reference agencies

 

They may of asked me to contact them, my DD was still active and they billed me each month so I paid it actually in hope it wouldn't default. So I did (must've) went on a payment plan with them as I found a letter dated 30/08/16 titled Changes to the ongoing management of your repayment plan and that they've partnered with Wescot, my plan amount remains unchanged. Please continue to maintain your existing payments to us

 

So is it letter no.2 back, is it letter tennis for a bit or have I got it/ done something wrong here?

 

Also I've hit a brick wall with my SAR with NW, sent two chasing emails for PPI docs/ policy and all correspondence sent and received. I called them today, 'person you are calling is not available' message

 

They only sent a fraud/ card misuse case, then I had to chase for statements they sent them and just won't send anything else

 

Thinking of sending a last 'letter before action' send or I'll be reporting to the FCA

 

Thoughts/ suggestions?

 

Thanks :-)

Natwest Response PG1.PNG.pdf

Natwest Response PG2.pdf

Link to post
Share on other sites

so what did you put in your letter

it should have been why didnt you default me in 2010?

 

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... 

Link to post
Share on other sites

you have the evidence from their comms log that you had 3+ missed/short payments

as per the ICO guidelines at the time they should have defaulted you then

ok they don't HAVE too

but hes not answered that at all.

I think that needs answering.

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... 

Link to post
Share on other sites

  • 2 weeks later...

Question has been asked to NW, acknowledged receipt of it on 27/02 so waiting on that

 

The PPI team have written to me today and concluded their investigation. They rang me on the 21st Feb to get some more info. I took the call and they ended going through a 15min questionnaire 

 

They have said that regarding the PPI sale they were unable to find any failings in the sales process in my case and therefore have been unable to to uphold my complaint

 

Their decision regarding commission and due to Plevin they've made me an offer in full and final settlement of my concerns

 

They've included a form to sign to accept the amount and note that any arrears on my account it will go to paying that and send me a cheque for the leftover (if any)

 

The PPI offer is £740 and the debt/balance owed to NW is £695 or something

 

Even if your account is with a DCA does the bank still apply to your CC account? It's 'closed' no?

 

Link to post
Share on other sites

Not if it's sold they can't

Next time read around and never answer their loaded questions ...

 

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... 

Link to post
Share on other sites

wetcloths don't buy debts only chase for their client.

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... 

Link to post
Share on other sites

Never talk about debt other than in writing

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... 

Link to post
Share on other sites

The case law you can use is Edlington Properties -v JH Fenner.

Where a debt/account has been Assigned, the seller has no right to appropriate your money to the third party.(CAbot)

You need to write and tell the original creditor this and if they refuse to refund all of the money to you then you are able to issue proceedings in court to force them to refund this money to you.

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 OTHER

 

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

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

Link to post
Share on other sites

I've found a hard copy of the notice of assignment, which is great so I can refer to that when I write back to them. Would I ask for a revised copy, tell them to omit the bit about paying any debt owed and send the signature page back blank?

Link to post
Share on other sites

well as they rang you

cant see why you cant ring THEM.

we've seen this letter before and its simply a generic reply

but just check that they do realise they don't own the debt anymore and cant pay PPI to a DCA owner.

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... 

Link to post
Share on other sites

Having a terrible time with NatWest at the mo who's ignored 5 further requests for all my data from my original SAR.

 

I know I can complain to the ICO, which I'm about to.

But really, what can I actually do to make them hand over what I've asked for? 

They've not even said 'oh sorry we can't find it' just straight up ignoring me.

Does the ICO just tell them off?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...