PPI Reclaiming Discussion part 4

di3004

CardiffAntony wrote: »

Dear all,

Sorry if I have asked this before but what is the best form of action in regard to the issue I have with Natwest.

I no longer have loan account numbers for the 4 loans I took out with Natwest over a 4 year period which ended in 2006. I asked for this paperwork 8 weeks ago and have still not recieved a reply despite snding a letter of complaint by registered letter two weeks ago.

Any ideas?

Hi Antony

Did you request a SAR (subject Access request) with a £10 postal order or cheque payment for this?
And post by recorded delivery to ensure they received your request?

If so check your account for when they debited the £10, if you paid by cheque payment.

They should have complied by 40 days.

I would contact them and ask what they are doing here.
Any problem and you have done all the above you can contact the Information Commissioners Office (ICO) here:
https://www.ico.gov.uk/Global/contact_us.aspx

Antony or did you request for the CCA's (copies of the agreements with the £1 payments)? they should have sent by 12 days, you can contact the ICO on this for both as above.

CardiffAntony

I rang their lending centre and they said that they would have to go to warehouse to get the paperwork and this would take 7-10working days. I was then put on hold and they told me that I would have to go into the mto my local branch and get them raise the issue withthe lending centre.

My local branch in fairness sadi i had been treated shoddily and took my request and said they would send it through their internal post to the lending centre. This was on the 14th of May.....hmmmmmm......!!!!!

di3004

CardiffAntony wrote: »

I rang their lending centre and they said that they would have to go to warehouse to get the paperwork and this would take 7-10working days. I was then put on hold and they told me that I would have to go into the mto my local branch and get them raise the issue withthe lending centre.

My local branch in fairness sadi i had been treated shoddily and took my request and said they would send it through their internal post to the lending centre. This was on the 14th of May.....hmmmmmm......!!!!!

Hi Antony

Seems like they have not bothered with this, as its such a long time.

Personally I would try to keep everything in writing, this way they "must" comply, you then keep the copies for your evidence and when you post by recorded delivery, also keep a record of that as well.

It seems they have fobbed you off, the quicker way now would be just to request for the copies of the CCA (Credit agreements) by writing to them, give them 12 days for this and again post by recorded delivery.

They don't seem to be treating you fair here and as it was verbal they have pushed it on the one side it seems, so for now just request for the agreements in writing by enclosing the £1 postal order or cheque payment, post by recorded delivery and keep a check on the 12 days from when they receive this request.

You can track the ref number down with the recorded post office receipt on the Royal mail website to ensure its been posted.;)

di3004

Antony, if you have no account number details on the letter to request for the CCA, give them as much personal details as possible, in order for them to track down your information easier, your address if it were different then and also add your date of birth.

You can still though request a SAR if you want to, let me know if you want the template letter for the SAR.;)

CardiffAntony

thanks Di, I will do that this afternoon.

Should I address it to their lending centre?

di3004

CardiffAntony wrote: »

thanks Di, I will do that this afternoon.

Should I address it to their lending centre?

Good luck Antony

If they have a data dept, personally I would write to them, if not then yes write to the leading centre.;)

If its just the CCA's you request, I found a template for this here, hope this helps, good luck.;) You can always SAR later on if you want to, there is a SAR template on this thread, but let us know if you cannot find it, this below is the cheapest option for now for the CCA's and they must comply by 12 days.
.....................................................................................................................

Dear Sir/Madam

Re:- Account/Reference Number

I do not acknowledge any debt to your company or its clients. (delete this line if you are not disputing the debt)

With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974.

2. A full statement of account.

3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

4. A copy of any other documents referred to in the agreement.
I understand that under the Consumer Credit Act 1974 (Sections 77-79), I are entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned.

I understand a copy of our credit agreement should be supplied within 12 working days.
I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.
I look forward to hearing from you.

Yours faithfully

CardiffAntony

di3004 wrote: »

Good luck Antony

If they have a data dept, personally I would write to them, if not then yes write to the leading centre.;)

If its just the CCA's you request, I found a template for this here, hope this helps, good luck.;) You can always SAR later on if you want to, there is a SAR template on this thread, but let us know if you cannot find it, this below is the cheapest option for now for the CCA's and they must comply by 12 days.
.....................................................................................................................

Dear Sir/Madam

Re:- Account/Reference Number

I do not acknowledge any debt to your company or its clients. (delete this line if you are not disputing the debt)

With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974.

2. A full statement of account.

3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

4. A copy of any other documents referred to in the agreement.
I understand that under the Consumer Credit Act 1974 (Sections 77-79), I are entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned.

I understand a copy of our credit agreement should be supplied within 12 working days.
I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.
I look forward to hearing from you.

Yours faithfully

Thanks Di,

As I say I have not got the loan numbers but I can give them dates and amount when these loans took place and when I paid them off.

I will get going on them now!!!

thanks

antony

di3004

CardiffAntony wrote: »

Thanks Di,

As I say I have not got the loan numbers but I can give them dates and amount when these loans took place and when I paid them off.

I will get going on them now!!!

thanks

antony

Good one Antony, at least with all the info you will give them as well, it should help and they should have no problems in supplying your information to you.;)

When it comes to the reclaiming side of the PPI there are also templates on this site as well, give us shout when you want to get on with this and we shall help step by step.

di3004

Antony

When you receive your paperwork, you can then move on to the reclaiming when your ready, just to post the info here in case you want to read this through, and check it out, of course you can still continue while your waiting for the paperwork to come through if you want to.;)

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

di3004

Found these addresses here Antony, don't know the one's you have, but I would take it to be the first one, not unless you have another.

Natwest
Registered Office
135 Bishopsgate
LONDON
EC2M 3UR

Natwest
Credit Management Service
Kendal Court
Ironmasters Way
Telford
TF3 4DT

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