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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Natwest overdraft debt.


Ecker
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Received a letter from Natwest re SAR request.

 

this states they are dealing with my request and outlines their statutory requirements.

They have confirmed they will send the details within a month.

 

In the meantime I have had three letters from the DCA asking to contact them. The latest letters states " Failure to

respond within 7 days of receipt of this letter may leave us with no option but to recommence collection activity".

 

Should I still ignore this last letter or write to them stating I have requested SAR from Natwest?

 

Appreciate any advice given.

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I have a debt with Natwest for £44k on an overdraft. It is an unsecured debt which is from 2003.

 

They have now passed my file to a DCA and am not short where to go with this. 

 

I have attached the letter from Natwest transferring the debt and also the DCA letter.

 

Any help would be appreciated.

 

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ive removed your uploads as your info can clearly bee seen through the pen you've used

please read upload carefully again

 

theres is no need to blankout DCA details or dates etc,

just your pers stuff. that can ID you.

 

it is worthy to note that NatWest are one of the few original creditors that do still do court themselves

its very telling that , as it appears? they have sold the debt on?

 

get an sar running to them as the data on this AC could find the reason why which may well render it dead in the water or atlesst resolve some of the balance

 

 

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... 

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it looks to me as though the debt has not been sold on.

who the DCA please

 

 

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... 

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Don't do anything, other than SAR, Nat West. This will arm you with all the information that you need.

 

The SAR will tell you when the default date was, last payment, fees and charges (possibly Reclaimable) were.

Also, do you remember when your last payment was?

 

We could do with some help from you.

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Ah OK, so not Statute Barred Then.  

 

Personally, I would SAR Nat West firstly anyway.  There could be a significant amount of reclaimable fees to offset against the overall Balance.  

 

Never contact them by phone, any correspondence in writing.

 

Do you own your own home?

We could do with some help from you.

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Brilliant, once you have the SAR, you can calculate things like late payments, interest on late payments etc and run them through an interest calculator. As DX says, somebody like NatWest only sells a debt on if there is something wrong with it. The SAR may well shed light on this.

 

How much are you paying them per month approximately, right now?

 

Do they have your current address details, this is very important?

 

I would ignore any communications, unless it's a PAP Letter before Action letter, if and when that ever comes.

 

You don't own your own home so no chance of a charging order, so that's a good thing

We could do with some help from you.

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Thats a very large overdraft amount...care to expand how it got to that level...this is personal not business ?

 

Andy

We could do with some help from you.

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Currently paying £100pcm. They do have my current address.

 

it got to that level as I was using the OD to keep my business afloat. None of the debt was classed as business loan etc.

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As said i bet the debt has not been sold on

moorcroft dont buy debts

 

bet their client is natwest on their letter

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... 

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Hard to see why they would bother to take you to court, when a CCJ would probably only require you  to payback less than 100 PCM anyway.  How much of the balance is left?

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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18 minutes ago, Ecker said:

Currently paying £100pcm. They do have my current address.

 

it got to that level as I was using the OD to keep my business afloat. None of the debt was classed as business loan etc.

 

And NW let it get to a level of £44 K unsecured ?

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

 

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That is the sort of thing they were allowing back in the early 2000's. I remember ringing HSBC for a car loan in 2001, asking for 2k, they offered me 30k !!. My annual income was only 21k PA.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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  • AndyOrch changed the title to Natwest Overdraft Debt

and moorcrofts client is?

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... 

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So def not sold on then.

sar is going interesting

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... 

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