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    • Yes agree UB it will be unworkable in practice, the issue being that some EA will regard the Virtual CGA as allowing them to physically force entry later if payment not forthcoming.  Or like some bailiffs used to try to imply that phone call a desperate debtor makes at Compliance stage is in effect a Virtual CGA when itn is nothing of the sort. Rule 1 it is known some  bailiffs Lie. Rule 2 Treat all bailiffs as liars until they prove they are not.
    • I cannot see many people agreeing to any virtual webcam review of goods to be controlled.     Many people in debt may not even have the facilities to be able to do this.   And the few that agree may try to have a laugh at the enforcement companies expense.  e.g. this painting is by well known local artist Peter Ist, but he signs his paintings as  P Ist and this other painting is by Brian Roke who signs his paintings as B Roke.     Who would agree to this without understanding the consequences ?      
    • Well poss unenforceable cca both lets see
    • Although I will be submitting another request as DVLA haven't stated when they responded to VCS with the information.  18th was a Friday,  VCS say they posted the letter on Mon 21th.  Seeing how this SAR has taken this long, I doubt the DVLA went all out to clear the request over the weekend, but we'll see.
    • Thanks for the heads up, Peterbard  this will potentially open a big can of worms similar to the assumption all goods seized bailiffs used to try to rely on the comments in the Law Gazetter  are quite revealing, as in thety cosdider the judgment very iffy, the comment about the bailiff asking the debtor to move the webcam so they can get the image of the TV and Playstation illustrating the potential silliness, notwithstanding the way some EA's will rely on that Virtual CGA to allow them to force entry as if they had physically entered premises for a Convential physical compliant entry,  That is a dangerous judgment.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

PRA Group Natwest Overdraft


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I have a Account with PRA Group for a Natwest Student Overdraft (Opened 2008 defaulted 2016) .

 

I am getting a lot of letters from PRA asking for payment/settling my account offering discounts (of about £100).

 

Do I continue payment plan as before? I can't CCA as they are an overdraft I believe

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Who is the payment plan with now .....Natwest ?  Has the debt been assigned to PRA ?


Andy

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so you've had a notice of assignment then?

 

if so that's rare for nasty west to sell it on they typically litigate themselves

so I bet the debt is vastly inflated with penalty charges and the interest they attract.

 

i'd be sending NW an sar

get all the statements.

then go thru them with a fine toothed comb.

 

could be £1000's to reclaim....

 

pers i'd stop paying

 

what was the original debt amount

and what is outstanding now

a bit more info on the history please

 

dx

 

 

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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  • 1 month later...

So I ridiculously had this overdraft since 26th August 2008 and left it in the overdraft for nearly 10 years I believe. 
 

they then requested repayment and removed the facility so I hit a default. I was then paying £10.00 into the account on a plan.

 

Since PrA got involved they closed the NatWest account as I can’t send money into it (as I was doing to pay it) anymore. 
 

They offered lately for me to pay £955.59 as a one off discount. They keep contacting me to make an arrangement.

 

The balance is £1005.88 (I’m fairly certain they reduced some charges before closing it- I think it was left in the -800/900 for years without charge)

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no the account would have been defaulted and closed by NW before they sold it on.

 

did you get that SAR running to NW? got it back yet?

 

its gonna be pretty easy for fees etc to get upto £1000 for an OD debt from 2008.

thats most probably why NW sold it and didn't litigate themselves

they know the debt is bogus.

 

 

 

 

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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You will get loads of information when you SAR Nat West, they even break it down for you into fees, PPI (if you had it).  You'll probably find loads of late charges to claim back too.

 

As for PRA just ignore them unless they send a PAP letter, don't pay them anything and certainly don't speak with them.

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

 

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

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  • 7 months later...

open

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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I’ve had my SAR back

 

Unfortunately they’ve given me no statements but in the FAQ I’ve read I have to order those on request.. 

 

doing that now

 

theres copies of a complaint over charges a few years ago which they rejected there too

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eh?

statements MUST come in the sar 

 

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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No statements? That’s the whole point of the SAR
 

When I SAR’d HSBC I received a big heavy box  with every bank and credit card statement ,since 2004. You’d be expecting something along those lines.

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

 

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

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That’s what I thought but not from NW.

 

An FAQ was included stating if I would like copies of my statements to contact them advising of the accounts & dates required.

 

I kind of feel it’s taking the P.. that’s the whole reason of the SAR.

 

Edited by adam1992
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Your bank is not required to provide copies of the actual bank statements, but they must provide you with your personal data contained within them, for example, by providing you with a list of transactions.

 

https://ico.org.uk/your-data-matters/your-right-to-get-copies-of-your-data/what-to-expect-after-making-a-subject-access-request/

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 The National Consumer Service

 

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

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  • 4 months later...

Had an absolute nightmare getting these. Couldn’t get posted out, only to the bank for collection..

 

I’ve received statements (on actual statement paper not just A4) from around 2008-2013.

 

The account is shamefully from inception pretty much always overdrawn or made right to instantly overdrawn again.

 

A few charges nothing major, but there’s nothing from 2013 onwards... I don’t understand. I’ve letters about charges in that time frame.

 

 

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