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    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
    • Most guarantees are not transferable anyway to the new owner so why a solicitor should request it is pointless.The quotes should suffice to prove the work was carried out.   Andy
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    • no rush yet not due for 3 weeks as per andyorch's information above   i'm sure we'll get time before then.   dx  
    • There is a space for comment on the N180 where you can state that you wish to object to any request by the Claimant for an "on the papers" hearing. I wouldn't worry about the permits term, as the non-display of a permit is not the apparent cause for action against you. Have you sent them a CPR request for documentation?
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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.

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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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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