Nationwide Loan CCA Online Application - wescot chasing

[mpolly99]

Evening all,

 

I’ve had a letter form Wescot chasing dough, to which I responded by not acknowledging the debt due to the original debtor being unable to provide a true signed copy of the CCA, and challenged them to find it. 

 

They wrote back to me with the same document that the original lender sent to me which was a credit agreement, with my details on it but it’s unsigned, claiming that the application was submitted online.  Is this a valid CCA agreement and this enforceable?

 

TIA

Edited June 3, 2019 by mpolly99

[dx100uk]

who was the oc 

what type of credit?

wetclothes don't by debts..

who are their clients?

 

dx

[mpolly99]

It was a nationwide loan which is now with wescot.

 

Cheers 

[ericsbrother]

when was the loan taken out and when did you default?

Online= no sig needed

[mpolly99]

Sorry for late reply. 

The loan was taken out 9th Oct 2012 and defaulted 1st Jan 2014.

[dx100uk]

for a loan from 2012 that would be correct

you did it online.

 

so you need to deal with NW forget stupid DCA's like wetcloths

if you read their letter carefully

it says our client nationwide.

 

when did you last pay anything?

 

[mpolly99]

12 months was the last payment.  I’ll ignore their letters then

[mpolly99]

Admin - this is following on from a thread of the same name which has been closed.

 

Evening all,

 

The last letter I received from Wescot was Sept 2019 which followed a reduced settlement offer letter.  I have today received a letter from Nationwide (the letter reference is PLIPDF - i'm curious to know what this means if anyone has/does work for NW).

 

The letter refers to a Default Notice and goes on to say... "'This Default Notice also said if you don't (clear the outstanding balance) we may take legal action against you.  Unfortunately, we're unable to alter the standard explanatory wording within the Default Notice as it's prescribed by law.  The purpose of this letter is to confirm we won't be taking legal action against you with respect to this Personal Loan, even though the Default Notice previously sent states this may happen."

 

Please can anyone shed any light as to what this means?  The default dropped off my file almost 12 month ago.

 

TIA

[dx100uk]

simply that they themselves will not ever try and enforce this in court.

 

which for an oc is very rare thing anyway.

 

 

[mpolly99]

Would you say they have given up? 

[dx100uk]

as they say they will not enforce it in a court....

now if they sell it on and what a debt buyer does with it if they do is another matter

 

sb date is a few years away yet.

 

[mpolly99]

11 minutes ago, dx100uk said:

as they say they will not enforce it in a court....

now if they sell it on and what a debt buyer does with it if they do is another matter

 

sb date is a few years away yet.

 

That’s my concern, SB at least 4 years away 

[mpolly99]

Just had an email offering a Black Friday 40% discount of this debt.  This is after they have been reviewing this account for legal action (a least a month now).  Is this the last hurrah?

[dx100uk]

desperation ..please fund our xmas party with free drinks.