Miss-Treated's UE Diary

[Miss-Treated]

Re: Miss-Treated's UE Diary

haha - not that quick!

I mean, are you getting a new place on mortgage or renting after it sells?

Already moved out and living with a friend so the flat is empty and ready to sell.

You sure? Only 30 yards from the promenade.

[Never-In-Doubt]

Re: Miss-Treated's UE Diary

Already moved out and living with a friend so the flat is empty and ready to sell.

You sure? Only 30 yards from the promenade.

I live in the North remember,

[Miss-Treated]

Re: Miss-Treated's UE Diary

Type of account: Credit Card
Date commenced:1998
Approx balance: almost £5000
Date last paid: Dec 2012
Are you on arrangement: Was paying £22 pm - now stopped
Status: Default (2006)
Account owner: NatWest

21-05-2012 F&F offer letter sent offering £1300.
29-05-2012 Refusal of F&F offer, but they will accept £4148.66.
27-09-2012 s.78 Consumer Credit Agreement request letter sent.
02-10-12. PPI claim sent.
02-10-12. SAR sent.
13-10-12 Letter dated 08-10-12 confirming PPI claim received
13-11-12 PPI claim refused
30-11-12 PPI claim referred to FOS
23-10-12 Letter sent as follow-up to not receiving the CCA
30-10-12 Reconstituted CCA arrived (letter dated 17-10-12)
14-01-13 Letter saying payment arrangement is due for review.
Niddy says the CCA is as just T&Cs received.
PPI claim is now with the FOS.
SAR information just received including a short note saying, 'We were unable to obtain a copy of the original application form'.
03-04-13 FOS are "unable to uphold complaint".
24-03-13 FOS complaint referred to an Ombudsman.
14-01-13. NW letter - please contact us.
08-04-13. NW letter - they are disappointed - failed to comply with agreement.
24-04-13. NW letter - still disappointed - will pass to a DCA.
17-05-13. Letter from Triton Credit Services. Payment demand for full amount.
29-05-13 'Terms and Conditions Received' letter to NatWest.
03-06-13 Triton letter - urgent action required.
26-06-13 Threat-o-gram LBA sent.


No reply yet from Green & Co but I received the attached letter today from NatWest - in response to my T&Cs Received letter of the 29th.

Does it need a reply and if so what?

Thanks all.

[Miss-Treated]

Re: Miss-Treated's UE Diary

Type of account: Credit Card
Date commenced:1998
Approx balance: almost £5000
Date last paid: Dec 2012
Are you on arrangement: Was paying £22 pm - now stopped
Status: Default (2006)
Account owner: NatWest

21-05-2012 F&F offer letter sent offering £1300.
29-05-2012 Refusal of F&F offer, but they will accept £4148.66.
27-09-2012 s.78 Consumer Credit Agreement request letter sent.
02-10-12. PPI claim sent.
02-10-12. SAR sent.
13-10-12 Letter dated 08-10-12 confirming PPI claim received
13-11-12 PPI claim refused
30-11-12 PPI claim referred to FOS
23-10-12 Letter sent as follow-up to not receiving the CCA
30-10-12 Reconstituted CCA arrived (letter dated 17-10-12)
14-01-13 Letter saying payment arrangement is due for review.
Niddy says the CCA is as just T&Cs received.
PPI claim is now with the FOS.
SAR information just received including a short note saying, 'We were unable to obtain a copy of the original application form'.
03-04-13 FOS are "unable to uphold complaint".
24-03-13 FOS complaint referred to an Ombudsman.
14-01-13. NW letter - please contact us.
08-04-13. NW letter - they are disappointed - failed to comply with agreement.
24-04-13. NW letter - still disappointed - will pass to a DCA.
17-05-13. Letter from Triton Credit Services. Payment demand for full amount.
29-05-13 'Terms and Conditions Received' letter to NatWest.
03-06-13 Triton letter - urgent action required.
26-06-13 Threat-o-gram LBA sent.
05-07-13 NatWest letter - have complied with s.78 saying a true copy has been sent ...blah, blah... see no reason to enter into further correspondence regarding alleged CCA breaches.
16-07-13 NatWest letter (reply to threat-o-gram) complaint not upheld - account referred back to Triton.


NatWest letter received today (dated 07-08-13) Your account details have been passed to Wescot Credit Services to act as collection agent.

I guess I just sit tight until they write to me?

[MrsD]

Re: Miss-Treated's UE Diary

that's what I would do

[Miss-Treated]

Re: Miss-Treated's UE Diary

Type of account: Advantage Gold (overdraft)
Date commenced: Early 1990s
Balance: £2750
Last full payment: 2006
Arrangement: None
Status: Defaulted Dec 2006 - Default recorded 2008 - Interest added to 2008
Account owner: Nat West Bank

This account was included with two other accounts in a DMP I set up through the CAB in 2006. For 18 months I paid £55 a month to Nat West (via Moorcroft). In mid 2008 this was reduced to £10 a month when my DMP was reviewed. I stopped making this payment in Feb 2013.
The last payment credited to this account was in June 2008.

11-09-12 Fredrickson letter: debt passed to Fredrickson Int Ltd.
24-09-12 Fredrickson letter: contact us within seven days - ignored.
(From here on, all letters received relate to all three Nat West accounts)
11-06-13 Triton letter: we are instructed to collect, etc. - ignored.
17-05-13 Triton: contact us, we can help - ignored.
24-05-13 Triton - urgent action required letter - ignored.
31-05-13 Triton - final notice of intent, call us today - ignored.
05-06-13 Letter from Green & Co Solicitors: Notice of Intention to Commence Legal Proceedings.
18-06-13 Sent SH's letter (post #16) - delivered 20-06-13.
18-06-13 O/D CCA letter sent.
08-07-13 Green & Co letter - 'not yet received full instructions'
18-07-13 Letter saying an unauthorised O?D fee of £6 per day will be added to this account. (Charges have been frozen on this account since 2008)
09-08-13 Standard Complaint Being Dealt With letter (presumably in response to the 'SH special' to Green and Co on 18-06-13).

Today I received a letter headed 'You currently have an unarranged overdraft'. It lists 34 days charges (10-06 to 12-07) of £6.00 per day, totaling £204.00. Strangely enough, it also says "On the day we wrote this letter the unarranged borrowing amount on your account was £2750 (exactly the same as it has been for over 5 years now) so I don't know what is going on.

Also received today is another letter referring to my letter of 18-06 (SH Special - post #16 - relating to all three NatWest accounts) saying details have been 'passed to the dedicated team at the Executive Office' who are 'also currently dealing with another letter you issued to us on 25th August 2013'. (I have to assume they have some premonition of a letter I am going to send on that date).

Any thoughts or advice on either of the above two letters is most welcome.

[MrsD]

Re: Miss-Treated's UE Diary

I'd wait and see if they come up with something a bit more sensible and let us know what kind of letter you decide to send on the 25th

[Pixie]

Re: Miss-Treated's UE Diary

I've had postdated letters from dcas too.

I don't think you need to do anything about those two letters at the moment. I would just wait until you hear from them again if it were me.

[Pixie]

Re: Miss-Treated's UE Diary

Snap Mrs D!

[Miss-Treated]

Re: Miss-Treated's UE Diary

Thank you MrsD and Pixie. I read these letters and begin to worry again. I post them here and the replies I get here are always so reassuring.
Thanks again

[Pixie]

Re: Miss-Treated's UE Diary

No need to worry Miss-Treated...you've got AAD on your side now

[Miss-Treated]

Re: Miss-Treated's UE Diary

Type of account: Credit Card
Date commenced:1998
Approx balance: almost £5000
Date last paid: Dec 2012
Are you on arrangement: Was paying £22 pm - now stopped
Status: Default (2006)
Account owner: NatWest

21-05-2012 F&F offer letter sent offering £1300.
29-05-2012 Refusal of F&F offer, but they will accept £4148.66.
27-09-2012 s.78 Consumer Credit Agreement request letter sent.
02-10-12. PPI claim sent.
02-10-12. SAR sent.
13-10-12 Letter dated 08-10-12 confirming PPI claim received
13-11-12 PPI claim refused
30-11-12 PPI claim referred to FOS
23-10-12 Letter sent as follow-up to not receiving the CCA
30-10-12 Reconstituted CCA arrived (letter dated 17-10-12)
14-01-13 Letter saying payment arrangement is due for review.
Niddy says the CCA is as just T&Cs received.
PPI claim is now with the FOS.
SAR information just received including a short note saying, 'We were unable to obtain a copy of the original application form'.
03-04-13 FOS are "unable to uphold complaint".
24-03-13 FOS complaint referred to an Ombudsman.
14-01-13. NW letter - please contact us.
08-04-13. NW letter - they are disappointed - failed to comply with agreement.
24-04-13. NW letter - still disappointed - will pass to a DCA.
17-05-13. Letter from Triton Credit Services. Payment demand for full amount.
29-05-13 'Terms and Conditions Received' letter to NatWest.
03-06-13 Triton letter - urgent action required.
26-06-13 Threat-o-gram LBA sent.
05-07-13 NatWest letter - have complied with s.78 saying a true copy has been sent ...blah, blah... see no reason to enter into further correspondence regarding alleged CCA breaches.
16-07-13 NatWest letter (reply to threat-o-gram) complaint not upheld - account referred back to Triton.
07-08-13 NatWest letter - account passed to Wescot

Wescot telephoned me on 25th (Bank Holiday Monday) but I did not answer. I am tempted to send a letter saying NatWest agreed to make all contact in writing and I expect them (Wescot) to keep to this agreement.

Wescot letter dated 22-08-13 - giving me the option to pay in full or contact them by telephone. Failure will result in further recovery action.

Should I reply to this?

Thanks all.

[Pixie]

Re: Miss-Treated's UE Diary

If this is your first letter from Westcot, I would send them http://www.all-about-debt.co.uk/inde...lst-in-dispute with a sentence added to the end saying that you will only communicate with them in writing and, if they continue to phone, you will regard this as harassment.

[Miss-Treated]

Re: Miss-Treated's UE Diary

Thank you Pixie. I have taken your advice and the letter is ready for the post tomorrow morning.

[Miss-Treated]

Re: Miss-Treated's UE Diary

Type of account: Credit Card
Date commenced:1998
Approx balance: almost £5000
Date last paid: Dec 2012
Are you on arrangement: Was paying £22 pm - now stopped
Status: Default (2006)
Account owner: NatWest

21-05-2012 F&F offer letter sent offering £1300.
29-05-2012 Refusal of F&F offer, but they will accept £4148.66.
27-09-2012 s.78 Consumer Credit Agreement request letter sent.
02-10-12. PPI claim sent.
02-10-12. SAR sent.
13-10-12 Letter dated 08-10-12 confirming PPI claim received
13-11-12 PPI claim refused
30-11-12 PPI claim referred to FOS
23-10-12 Letter sent as follow-up to not receiving the CCA
30-10-12 Reconstituted CCA arrived (letter dated 17-10-12)
14-01-13 Letter saying payment arrangement is due for review.
Niddy says the CCA is as just T&Cs received.
PPI claim is now with the FOS.
SAR information just received including a short note saying, 'We were unable to obtain a copy of the original application form'.
03-04-13 FOS are "unable to uphold complaint".
24-03-13 FOS complaint referred to an Ombudsman.
14-01-13. NW letter - please contact us.
08-04-13. NW letter - they are disappointed - failed to comply with agreement.
24-04-13. NW letter - still disappointed - will pass to a DCA.
17-05-13. Letter from Triton Credit Services. Payment demand for full amount.
29-05-13 'Terms and Conditions Received' letter to NatWest.
03-06-13 Triton letter - urgent action required.
26-06-13 Threat-o-gram LBA sent.
05-07-13 NatWest letter - have complied with s.78 saying a true copy has been sent ...blah, blah... see no reason to enter into further correspondence regarding alleged CCA breaches.
16-07-13 NatWest letter (reply to threat-o-gram) complaint not upheld - account referred back to Triton.
07-08-13 NatWest letter - account passed to Wescot
25-08-13 Wescot telephoned - did not answer
22-08-13 - Wescot letter giving me the option to pay in full or contact them by telephone. Failure will result in further recovery action. Ignored
27-08-13 SID and 'all in writing' letter to Wescot
07-09-13 (dated 05-09-13) Wescot letter - acknowledging dispute - no contact until resolved.
05-09-13 Wescot letter saying their clients have replied saying they have previously responded to this dispute, enclosing copy of NW letter of 12-07-13.
27-09-13 Wescot letter 'Final Notice' - 10 days to contact or collection activity will resume. Ignored
27-10-13 Wescot letter - opportunity to take control of your outstanding balance. Ignored
14-12-13 Wescot letter - Confirmation of Residency. Ignored

Well over time for an update or two - I had dropped right down to page six! Just a sign of how I don't panic any more. I can hardly believe it is nearly six months since I last came on here in a panic.

Even better though - the news I now have is very good news.
The FOS adjudicator has upheld my PPI appeal and NatWest have agreed to pay-up. So just waiting to see what they offer. It should be more than the balance on the card with any luck.

What a great site this is - you people have changed my outlook so much, and now it seems to be paying off. I really cannot thank you enough. Hugs and kisses to you all.