Spud's UE Diary

[Pixie]

Re: Spud's UE Diary

Are you still making token payments? You would be a year nearer to SB if you weren't!

[Spud]

Re: Spud's UE Diary

This is my First Thread on the U/E Road

I will try to improve it as I go along - Computers are not my first love but I'm getting better

Just starting out with my first card - more to follow ( Read too many !!)

I have limited access and time to use the computer so please be patient - I will always get back to you and do really appreciate all your help ( In Advance ) that is !!

Background

Debts were built up mainly from taking time out of running my own business to care for a couple of members of my family who were seriously Ill ( Now Departed )

And then my parents with various stages of illness ( Still not right but getting better)

Had serious issues with Work/ Threat of redundancy that lasted near a year.

Kept my job but had to take a major drop in Salary so paying the mortgage/Feeding the children became the priority and paying the Cards had to stop.

Was going to persue the U/E route last year but with caring for family ect - Put on hold till now

I will be sending the CCA received off to Niddy ( Sorry Nidddy - Quite a lot!!)

Watch this Space!

[MrsD]

Re: Spud's UE Diary

lot of work in that Spud

have you sent what they say is a CCA (quite a collection there) off to Niddy?

[Spud]

NatWest Credit Card


Start: Feb 2002
Balance: £ 4083.21 ( As of 16th Nov 2012 – They do not send statements)
Last Full Payment: Approx Nov 2011
Present Situation: £1.00 Token payments that they say they cannot accept – but do
Status: Default, Terminated, CCA copy received

2011

Dec 16th
Default Sum notice received – Late Payment/Over limit

2012

Jan 17th
Letter received asking for account to be credited with missing payment
Jan 20th
Letter sent to NatWest advising of financial hardship and asking to consider token payments
Feb 8th
Request for financial Statement - Sent
Feb 17th
Letter detailing two missed payments
Feb 22nd
Letter sent to NatWest asking for a couple of weeks “Breathing space” to come back to them with a repayment offer
March 21st
Reply to my above letter – Need complete financial statement – Sent again!!
March 21st
CCA Request Sent
April 5th
Token Payment letter sent with Payment – Contact only Via letter ect
April 16th
No CCA Received to date – Reminder letter sent
April 17th
Letter received detailing two last payments
April 17th
Reply to my CCA request – Requesting Signatures ( They kept my £1 P/O)
April 19th
Letter sent – No signature required ect – Asked them to comply with request as they still had my payment
April 24th
Reply to my letter – They state No £1.00 enclosed !!!!! ( As they kept it) and signature required!
May 2nd
Letter sent advising that I have made two Requests for CCA – They kept my fee ect – A formal complaint will be raised if they fail to comply.
May 17th
Account in Dispute letter sent
May 31st
CCA Reply – Copy of CCA/Terms ect
June 15th
Letter received detailing last two missed payments
June 28th
Another CCA received – Copy of CCA/Terms ect
July 12th
Letter received stating they had not received Financial information/S.O.A.
July 18th
Formal complaint made – Not complying with CCA request/ Asking for details I had sent/Refusal to reduce interest ect
July 24th
Response to my Formal Complaint – Skirting around the issues and not answering my complaint – They cannot agree with the complaint!
Sept 4th
Default Notice Received
Sept 17th
Default Sum notice Received
Sept 26th
Account Termination Notice Received
Oct 22nd
Token Payment letter Sent
Nov 16th
Letter – Not prepared to accept token payments
Nov 17th
Token Payment Letter Sent
Dec 18th
Token payment letter sent
Dec 29th
Letter – Not prepared to accept token payments – Being passed to “our” Debt recovery Department and will “Default” account

2013
Jan 22nd
Letter – Please complete a financial statement and an offer of repayment