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joeblogs

Drowning in Debt and very worried for my elderly friend

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Hi Everyone

 

On behalf of my elderly friend and on the advice received on this forum, last week I sent Nationwide a Section 78 Letter with a £1 Postal Order by Recorded Delivery.  My friend did not sign the letter as advised, I just typed his name at the bottom.

 

Today he has received a reply from them saying 'you have not signed the letter of authority, therefore I am unable to respond to your request for information at this time. 

 

I have returned the letter of authority that you have provided.

 

Please ensure when making any future requests for information that the letter of authority is signed and that you provide the relevant fee, which is £1 for each of the accounts that you require information on'

 

Written on the top of my friend's letter to them is '£1 postal order received 15.10.19.'  They never returned his postal order.

 

Can you please advise me what I can do next for my buddy.  Thanks

 

 

 

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theres no need to send the CCA from 'you'

just send it as if its him doing it

that way, it negates the need for a letter of authority

 

its the CCA request he does not sign.

 

he obviously, if you included one, has to sign the letter of authority..


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Hi DX100

 

Sorry I think I have confused people.  I only typed the letter for my friend as coming from him (not me), for all Nationwide know the elderly man typed the letter, sent the Postal Order and sent the letter by Recorded Delivery.

 

It was NOT a letter of authority, it was the Section 78 letter from your library.  So as Nationwide are not accepting my friend's letter due to him now signing it what should he do now, resend it and sign it or what can anyone suggest.  They have kept his postal order.

 

Thanks

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Thank you

You do not have to sign a cca request.

I will assume he has not moved since taking this out and omitted to inform them?


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.

 

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Hi DX100

 

Thanks for replying.  No he has not changed address.  They are insisting that the cca request letter must be signed.

 Can you please advise me as to how he should reply to them.

 

Thanks

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please show me where under the consumer credit act it states I must sign a CCA request, which is my legal right under the act to use to request a copy of the agreement I signed upon opening the account?

 

dx

 


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

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Simply get your friend to squiggle his name...not his usual signature...they dont know his signature.Its no use trying to educate NW about the CCA1974 and section 78 requests


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LOL thats funny about educating N/W.

 

So I've told him not to worry and we will send them back the letter and a letter explaining what DX and Andy said.

 

Thanks for all your help.

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Good day everyone,  as advised, CCA1974 section 78 request letter was sent back to N/W yesterday with an add on 'where does it state on CCA that the request must be signed?', my buddy sqwiggled his signature at the bottom of the letter and I took him with me to send it by Recorded Delivery.

 

This morning I have popped into see him and he showed me his phone, N/W sent 11 text messages yesterday afternoon in one hour and this morning they have already called 6 times and it's only 09.40am.

 

Is there some organisation that these relentless calls and texts can be reported to?

 

His family are coming to see him later today as they carry out his care needs and I'm going away next week but have told him he can call me if he gets worried about anything. 

 

Before I go I would really like to know if N/W can be reported for harassment. 

This guy who is reliant on disability benefits and per my original post on this thread,

 

I called N/W with his consent and asked if they would accept on his behalf £285 per month which would have made him struggle,

I feel really guilty now as they still refused his offer. 

I cannot believe what lengths these creditors will go to.

 

Thanks everyone

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Retain the log by way of the phone dont delete anything may become useful if they wish to progress  legally.


We could do with some help from you.

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

 

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

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yes log everything

then a formal complaint can be made to the CEO email address

and if no joy off to the FOS.

 


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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Hi and thanks for your replies.

When my friend was answering his telephone to N/W he complained then about the harassment and they said they would look into it.

He received a blog email off them which just touched on the constant phoning and they said

'In terms of the calls you've been receiving, these are dialed automatically from our Collection and Recovery Team and I apologise for any upset caused'

 

I've had a quick look at FOS on this site and it doesn't appear he would benefit to complain to them.  He does have a smart phone so all the calls are logged and I've shown him how to block the calls as they keep using different numbers.  I think that's the best way forward until he hears from his request CCA 77 and 78.  As mentioned Monday N/W said that CCA 78  had to be signed.  He sqwiggled at the bottom of the letter and he will probably get a reply when I'm away.

 

Unless anything else crops up before I go away, I want to thank everyone for their assistance.  I have reassured my friend that nothing bad is going to happen and I will come back with updates when I return.

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