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    • I called the business centre that M&F were located at and they advised me to call BCWM, which I did.   A lady spoke to me and said she didn't have any information to hand so I'd have to email them my request. She asked me to provide as much info as possible including my full info so being vague might not be an option.   What do you think of me putting the following:   Dear XXX   It was lovely talking to you earlier. As discussed, my query is in relation to the following piece of land owned by M & F Finance (Ireland) Ltd, which I believe you manage:   Portwood Court, Great Portwood Street, Stockport, SK1 2ED (Title Number : MAN24187)   I have a possible impending legal matter that I'm investigating and therefore need to know who signed up Civil Enforcement Ltd (CEL) to manage the car park and whether CEL currently has legal permission to enter into contracts on your behalf.   Any information you can provide would be extremely appreciated.   Do you think this is okay? Should I just sign the email with my name but omit my address?
    • Hi there,   I just wanted to seek some advice as I've been sent a "Parking Charge Notice" for temporarily stopping outside the arrivals terminal at Southend Airport to pick up my disabled father, and now they want £60 off of me. I've appealed, which, as I expected, did nothing.  Should I just let the case go to court, as i feel I have a good defense. My Father is disabled due to the fact that he suffers from Peripheral Arterial Disease and Spinal Stenosis and can only walk short distances before his legs begin to seize up and turn to lead. This is why I had to temporarily stop for a short period outside the terminal. It was a cold, dark evening, pouring with rain, I didn't see any signs. My only concern was getting my Mother and Disabled Father out of the cold weather, into the car and off home.'   Any help appreciated, Thanks          
    • On the matter of the shed, I would move to have the lot replaced immediately. Inventory the contents of the shed, take photographs of their condition and then do what you can to deliver the contents of the shed to your parents. If you continue to keep their property – or at least property to which they are asserting title – on your land then this can only help them and be an encumbrance to you. Ideally you would instruct them to come along and collect it – but the easiest thing to do is simply to put it all into the back of the car or van or something and then to deliver it to your parents. Warn them that it is going to arrive and make sure it all arrives in good condition at a time when you know they are going to be in. Once it is taken to their property, photograph it again and inventory it again so that there are no queries later on. It will be a good idea if you have somebody with you to witness what goes on. If your parents have keys to anything else on your property such as the front door or a back garden door in order to access the shed, you should change those locks immediately and write your parents and tell them that the locks are now been changed, that their own keys will no longer fit and that they are not authorised to enter onto your property in any circumstances. However, I suggest that you deal with the contents of the shed first so that there are no suggestions that you are trying to hang on to some property which I suppose is of no interest to you  
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Ecker

Natwest overdraft debt.

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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

 

 


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

who the DCA please

 

 


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MDR

 

Should I contact them as the deadline date to contact them is upon us or send the SAR to NatWest?

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£44k is outstanding. The letter from NatWest notifies it’s being passed to a DCA

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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?

 

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Yes last payment was this month. I have continued with monthly payments throughout 

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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?

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I will send SAR.

 

No I’ve been in private rented as a result of everything going wrong.

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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

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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


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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


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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?

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The £44k is what’s left

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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 ?


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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.

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Yes, that’s when the banks were giving OD’s, loans and mortgages willynilly

precisely my point 

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and moorcrofts client is?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Natwest

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So def not sold on then.

sar is going interesting


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 I hope so

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