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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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Moorcroft and Natwest


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:) Hi would like some advise on the following. Whilst a student approx 6 years ago I borrowed £2000 from Natwest and also went overdrawn on my account that is now closed. I struggled to pay them back £20.00 a month for about three years and that barely covered the interest. When i defaulted they passed onto Moorcroft to whom i pay £40 a month.

 

After reading several threads I am now confused. It seems a lot of people ask for CCA and write off the debt or get charges back. Im confused as if I should leave it at £40.00 to Moorcorft (Interest + charges from Natwest make my debt remaining now £4104.99 and will take me 117 months to pay back) or try and get the debt reduced or written off.

 

Some advice would be welcome.

 

Thanks

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Thanks. Im am worried I will be opening a can of worms. I think Moorcroft can be bullies!!! Or should I not think that too far ahead!!?

 

Great advice from SortingItOut.

 

Can of worms??? its YOUR money.. go for it!

 

Post any replies you get or questions you may have and eveyone will help you. :)

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Send SAR to Natwest and send a CCA request to Moorcroft.

 

CCAs work differently with bank overdrafts, i am no expert, someone should be along soon.

 

To my knowledge, CCA requests do not cover overdrafts. However, with any luck Moorcroft may not realise what kind of debt is being CCA'd..... so for the cost of £1 and the rec. delivery postage, I would send one.

 

Was the other borrowing a loan ?

 

:)

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Yes, of course.... a CCA request is sent in order to determine if a Debt Collection Agency is legally allowed to pursue you for payment.

 

A SAR is sent in order to find out if any unlawful charges have been applied to the account before being passed/sold to the DCA. If so, these can be re-claimed from the original creditor, which will reduce the balance outstanding on the account.

 

:)

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  • 1 month later...

First thing you want to do is go through all the statements and look for any charges that have been applied to your account, like unauthorised overdraft charges, bounced cheques and DD's etc etc - just charges, not interest.

 

Put details of each charge (Date, reason, amount) into a spreadsheet and then you want to use one of the template letters here to make an initial demand to NatWest for your unlawful charges to be refunded.

 

I would read through this (click here) first before sending a letter though so you know the process.

 

Once you are happy with the process use can use a template letter, there a few on the site - here is one (click here) and also you might want to post any problems, questions etc in the Natwest forum (click here) as you will find people there who have had experience dealing with Natwest and can offer good advice.

 

Good luck!

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All I have is a letter saying they will suspend the account until NatWest get back to me, which they have.

 

But a set of statements isn't responding to your CCA request - the CCA request being fulfilled would enatil you getting a true copy of you original credit agreement. Until this is provided the debt is unenforceable

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It doesn't actually have to be signed to comply with the CCA request... just a copy of what you would have signed...

 

However, to stand up in court it would have to be signed, and chances are if they send you a blank copy they don't have the signed agreement.

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Im very confused about the statements they have sent me there are 100's of pages for the 2 seperate accounts.

 

Therefore to do this liogically am i just looking for charges etc and not the interest? The reason I ask as there are seperate shhets for interest which shoe about £39 a month since the account Im very confused. Help appreciated

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