NAT WEST will not return my PPI

[Maggiebroom]

Has anyone got any opinion on the letter to Crap 1 in the above post?

 

maggiebrooom

[Maggiebroom]

I have noticed a mistake where I have repeated myself with Section 85, so have removed it.

Lets see what that brings.

 

maggiebroom

[conar686]

The letter is fine but it should go to the organisation that owns the account not Triton who are only acting as their agent.

 

As I've recently come to understand DCAs are debt collectors and using the CCA against them is a pointless activity. The CCA only works for whomsoever owns the rights & duties of the account.

 

Have a read of MoonHawks thread for more info on the rights & duties issue.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/112901-have-you-sent-cca-new-post.html

[Maggiebroom]

The letter is fine but it should go to the organisation that owns the account not Triton who are only acting as their agent.

 

Hi Conar

 

I sent the letter to Triton on the vague hope that it would stop any phone calls which I am sure they will try as harassment, and pass it back to Nat West of which I believe they are inhouse debt chasers.

Nat West have been told in no uncertain terms all that is in that letter, and all they write back is that they stand by their previous letters that the debt is due and they will pursue it.

 

Lets see what the answer to that is.

 

maggiebroom

[Maggiebroom]

Nothing from Triton yet but now we have a post strike.

 

I don't expect to hear for quite a while.

 

maggiebroom

[Maggiebroom]

Still nothing so all is quiet on the western front.

 

maggiebroom

[almikenina]

im waiting for a reply to my request to have my ppi paid back..i took a loan in 2003 for 15k..and together with interest and ppi it all amount to 23500k paid over 60 months at 391.67 pounds per month..im now down to 4400 or thereabouts..and ive paid insurance for nothing as i was retired and they ticked the box automatically when i signed the agreement..

my bank charges ..1500k are now with the ombudsman...and im also waiting to hear from them about the ppi on my credit card.

my loan and ppi are with lloyds.

[tonycee]

Still nothing so all is quiet on the western front.

maggiebroom

 

Watching and waiting with interest.

 

im waiting for a reply to my request to have my ppi paid back..i took a loan in 2003 for 15k..and together with interest and ppi it all amount to 23500k paid over 60 months at 391.67 pounds per month..im now down to 4400 or thereabouts..and ive paid insurance for nothing as i was retired and they ticked the box automatically when i signed the agreement..

my bank charges ..1500k are now with the ombudsman...and im also waiting to hear from them about the ppi on my credit card.

my loan and ppi are with lloyds.

 

almikenina..

Good luck with your claims. Do you have your own threads that we can follow ?

[Maggiebroom]

hello All

 

Another update now the post is back.

 

Nat West have passed my account on to Triton Credit Services, and they are demanding full payment immediately or they will take further action.

 

Now I am not worried about this, but I need to know what I reply. Do I send Triton a CCA request? Or do I let them take further action?

 

I am not sure whether or not to go ahead with starting a court claim straight away.

Triton's letter is late because of the postal strike.

 

Anyone got any advice. I am at a loss now as to what to do?

 

maggiebroom

[Maggiebroom]

anyone?? Please

[hellhasnofury]

anyone?? Please

 

Hello Maggie,

 

Hope you are well and enjoying the peace and quiet with no harassment calls.

 

Regarding the Nastywest, they have passed your details to a 3rd party, whilst being in default of the ca request and the account being in clear legal dispute. This is very naughty, but they do it anyway. It will all add to your case.

 

I think when the letter from Triton comes, maybe respond by informing them that you are not prepared to discuss the account with them as the account is in legal dispute and maybe suggest they contact the Nasty regrding this matter. Tell them you will retain any letters, threatening or otherwise for your harassment file.

 

I sent one like this to a dca, that has been set upon me by a very reputable company, but they are still pestering, I do not scare easy. I will delighted if they dare take me to court.

 

Dear Muppet

 

Thank you for your template threatening letter proposing your intentions regarding this alleged debt. May I suggest that there is urgent liaison between yourselves and XXXXXX Financial Services regarding this matter. This account is in clear legal dispute. Any verbal or written contact from your company to myself, I will retain for my files and will take the appropriate legal action for harassment.

 

Please take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and inform the OFT of your actions.

 

I look forward to your reply.

 

Yours faithfully,

 

 

Keep your chin up maggie, they are only muppets really:p

[reidnet]

I like the Dear Muppet..lol

 

They Cannot pass on Information etc to DCA when the account is clearly in dispute... I would send the letter above from Sandbro.. BUt i would change the Dear Muppet...lol

 

Ian

 

Ian

[Maggiebroom]

Hi Folks

 

Thanks for your reply, but I understand that Triton Credit Services, although a dormant company, are a subsidiary of Snatch West. What does being dormant mean? Can they still operate or what? I am not sure.

 

Would the same letter apply to them, even if they are a part of the company. I guess so.

 

The letter is very good and I shall send it anyways. They seem to ignore anything I write to them, so we'll see what that brings.

 

Thanks once again it is much appreciated.

 

And yes Hell it is bliss not having the phone calls anymore.Strange though i miss the fun of trying to outwit them Not really

 

maggiebroom

[Maggiebroom]

Triton have saved me a job. A letter arrived today thanking me for my last letter and saying they have noted my concerns and have passed the matter back to Nat West, who will be getting in touch shortly.

 

I wonder what they will have to say.

Obviously Triton don't want to get involved with a legal dispute. At least I think that's what it means.

 

 

maggiebroom

[hellhasnofury]

Hello Maggie,

 

See your little light is on.

 

Thought this thread might be of interest to you. You may already have read it, but it is very interesting and might be useful for you.

 

un1boy - N1 issued for breach of CCA request

[Maggiebroom]

Hi hell

 

I have now read through all of that thread and it is quite relevant to my case.

However I received this letter from Nat West today.

 

What do you think?

 

I am now able to issue a full response.

After fully looking into your previous correspondence and our responses sent to you on 22 June 2007, 16 July 2007, 2 August 2007 and 13 August 2007, I would advise you that after referring this matter to our Legal department we are happy that we have complied with your Consumer Credit request.

As required by the OFT, we are able to provide evidence that the debt exists and that the proper procedures have been followed and therefore do not consider to be in breach of the OFT and reject your claim that this account is in dispute.

Your indebtedness on this account remains due and payable and request you contact us to discuss your proposed repayments.

Should you disagree with this final response, you must now raise court proceedings against us to deal with the alleged non-compliance for the CCA which purportedly prevents us from enforcing the agreement. It would now be solely the Courts decision to rule in favour of your claim against the Bank.

 

Signed by the infamous H. Bennett.

 

What gets me is the fact that even if the piece of paper they sent me was properly executed and legible it was still out of time (12 days + 2)regarding my request and they have to produce a proper agreement for the court.

It is illegible and states at the top that it is an application form.There are no prescribed terms either. Methinks their legal department is up its own 'arris.

 

They surely cannot expect me to back down at this stage. Looks like I shall be filling an NI soon.

 

Anyones opinion?? Do I reply or just get on to Court procedures?.

 

maggiebroom

 

 

[Maggiebroom]

Anyone!!

 

maggiebroom:)

[BaldyBaldwin]

as they have said its there final response, its time to up the stakes and issue N1, but as always, its your call.

best of luck

BB

[Maggiebroom]

As you say Baldy its my call and as soon as I have some money i shall issue my NI. Till then there is nothing I can do.

 

I have to save up first.

 

maggiebroom

[hellhasnofury]

As you say Baldy its my call and as soon as I have some money i shall issue my NI. Till then there is nothing I can do.

 

I have to save up first.

 

maggiebroom

 

Hello Maggie,

 

How are you, well I hope, you've been a bit quiet of late.

 

There is no rush in all of this, bit like a mexican standoff, who blinks first. :o Your choices are save up for the N1 or let them take you to court, you defend and then put in a counterclaim:D

[Maggiebroom]

Hello Hell

 

I have been on a course about starting a small business. I am very interested in photography and have even got my first order to record a conference on the 6th December.

A bit nerve racking but if I do my research I should be OK.

I am only trying to supplement my pension and save to go back to America and get more pictures.

 

So thats why I have been incommunicado so to speak. Its nice to know I have been missed.

[hellhasnofury]

Hello Hell

 

I have been on a course about starting a small business. I am very interested in photography and have even got my first order to record a conference on the 6th December.

A bit nerve racking but if I do my research I should be OK.

I am only trying to supplement my pension and save to go back to America and get more pictures.

 

So thats why I have been incommunicado so to speak. Its nice to know I have been missed.

 

Hello Maggie,

 

Well I never you black horse you, there was I thinking that you were cowering in a corner with phonecall phobia and your out starting a new profession:o Good for you:D

 

Photography is a passion. My husband is a professional photographer and he goes off for days to get that perfect landscape. He has just come back from the lake district as landscapes are his passion. He does do weddings and portraits, but he prefers to be outdoors in all weathers just in case. I might pm you with his website.

 

And yes I did miss you:p

 

Take care

[BaldyBaldwin]

as a pensioner you may be exempt from court fees. the booklet and form you need is EX160A- Court Fees-do i need to pay them? you can pick it up from your county court office

regards BB

[Maggiebroom]

Hi Baldy

 

I have already tried for exemption from Court fees and although a pensioner you have to be on benefits to get an exemption. Seems unfair but there you go.

 

So its carry on saving for me.

 

maggiebroom

[Maggiebroom]

Hi hell

 

You should never have told me your hubby is a photographer. I may pick his brains in future. I too am into landscapes and have some fantastic pics of the Grand Canyon and Yosemite in the states. I am very new at it, hence the business course this week.

 

Let me know his website. I haven't got one yet but if he is interested I will try and show him some of my pics. I am not pushy so don't worry that I will pester him.

 

I have a job recording a conference on the 6th December and am a bit worried about it, but I have to start somewhere. Got all the equipment and don't use it enough. I wish I was as near to the Lake District as you are. Its a weekend jaunt for us.

 

"Have tripod will travel" :D

 

maggiebroom