Miss-Treated's UE Diary

[Miss-Treated]

Re: Miss-Treated's UE Diary

Are you cast iron positive that they are Statute Barred, Miss Treated?

Hi Elsa

As sure as I can be.

I last made a payment to one overdraft for £10 on 14-07-2008.
I have made no payments to the other overdraft since 2006.

There is a possibility that the CAB 'admitted' these debts when it sent an I&E statement with a total figure owing (sum of three accounts) to NatWest but that was back in April/May 2008.

The SAR from NatWest does not contradict any of the above, and it did not include a copy of the CAB statement of 2008.

There were credits to both overdraft accounts in August 2013 but that was repayment of overcharges and a 'compensation' payment from NatWest. They did this without me asking them to do it.

[Undercover Elsa]

Re: Miss-Treated's UE Diary

That's good. I'm always wary of sending SB letters unless absolutely sure in case it alerts them that time is running out for a claim.
I can't see the CAB I&E being a problem.

[Miss-Treated]

Re: Miss-Treated's UE Diary

Hi again everyone

Well, I did as advised on here and wrote to NatWest. I pointed out the error of their ways and accused them of harassing me.

I have recently received a reply to my 'complaint'.

Amongst the usual waffle it says:

I see the Bank has previously issued default notices to you in relation to the three accounts on 5th December 2006. I can see these have been issued again on 14th August 2014 but I am unable to ascertain why this was done. I am therefore upholding this aspect of your complaint and I am deeply sorry for the error. I have decided to compensate you with £100 for the distress and inconvenience this has caused as a result. I can confirm that the bank does not intend to register and adverse data regarding these accounts to your credit file.

Blah...blah...blah.

However, I am unable to provide an outcome about the validity of the outstanding balances.

Enclosed with this letter was a cheque for £100.

So, once again, I have been rescued by this forum, thank you all so much for the good advice you gave me.

I didn't expect them to admit two of the debts were SB but at least they have now been told that they are so if they start chasing them again I can just refer them to my last letter.

What a forum this is - so many lovely people and so much good advice. It is nearly two years since I 'bit the bullet' and stopped paying anyone (although it took me six months to build up the courage to do it). If any newcomers read this, take my advice; put yourselves into the hands of the experts on here.

Miss-Treated. x

[IF]

Re: Miss-Treated's UE Diary

Brilliant Miss-Treated, I'm so pleased for you.......love good news on AAD

Bestest
IF

[nightwatch]

Re: Miss-Treated's UE Diary

I too like good new's well done xx

[nightwatch]

Re: Miss-Treated's UE Diary

Hello Miss T,
just checking in to see if every thing is tikaty boo?

NW

[Miss-Treated]

Re: Miss-Treated's UE Diary

Hello Miss T,
just checking in to see if every thing is tikaty boo?

NW

Thanks for asking, Nightwatch.

All is well. I am still playing the waiting game for 2 accounts to go SB (another 3+ years) but at least they only total about £1600. Everything else is now SB or 'agreement misfiled' so no immediate worries.

x.

[nightwatch]

Re: Miss-Treated's UE Diary

good to hear, take care xx