Banks not playing by the rules

ShaunRigby

Hi guys...

First post here so here it goes....

I owe Natwest a rather large (+/-£1000) amount of money which has been referred to a collections agency, more-so Triton Credit Services.

Whilst this debt has been referred I have received very little communication from the company.

I understand that under the CCA 1974 a creditor (or its agency) must send me a statement of my account at least once every 12 months and notification of default as it happens.

In the last 18 months I have received nothing from either Natwest or its affiliations.

I am unable to view my credit record for strange reasons but I am in the process of gaining access to it.

My questions are:-

* If a bank breaks the Consumer Credit Act 1974, does that make the agreement, and with it all outstanding monies, null and void?
* Where do I stand in terms of making a complaint? Bank? OFT? Ombudsman?

Any help and/or advice would be greatly appreciated.

Shaun

unholyangel

You'd possibly be better posting this in the "Debt Free Wannabe" thread

There are a set of rules debt collectors need to adhere to.

Have you moved home or changed name at all recently?

ShaunRigby

unholyangel wrote: »

You'd possibly be better posting this in the "Debt Free Wannabe" thread

There are a set of rules debt collectors need to adhere to.

Have you moved home or changed name at all recently?

I haven't moved home in the last 3 years and I haven't changed name.

Would it be possible for a moderator to move this thread to prevent double-posting.

Thanks.