natwest credit card and the debt collection angency

moonlightpjs

Thanks RAS
They have 12 working days plus 2 for posting to respond with a CCA, after this date has passed if they have not supplied the CCA they (the DCA) are in default and you can stop payments to them (if making any). After another 30 calender days if they have not supplied you with a CCA then the debt becomes unforceable, meaning that they have no legal right to chase you for the debt. You can then report them to the relevant bodies if you wish, it is somewhat likely that after this whole timescale has passed and they have not supplied the CCA, that if you send the next letter (non-complinance) they will write the debt off as they stand to be fined up to £2500 for chasing an illegal debt ITMS.

Of course, they can at any time produce a CCA in which case you would have to pay which is why you must stick to the timescales above and report them to the relevant bodies if need be.

You may well find that they might also pass the debt back to the original creditor if they cannot provide a CCA.

Keep all correspondance from them as this will help your case when and if you need to report them. Also keep a log of any telephone calls you may recieve. Do not be frightned by them, they are just making empty threats and once you send the letter they may try and scare you into paying. THEY CANNOT DO A THING WITHOUT A TRUE CCA. If by chance they went to court a judge would look at it, ask for the CCA - they can't produce and he'll though it out and fine them. Baliffs can not attend your property without an order from the court.

RAS

Weller

Thanks to you, not me. Just trying to help the OP when he was not getting a response and knew you had advised people before.

kurjam

can i make a complaint to regal for not consulting me about moving my account or my payments not being received ??

moonlightpjs

RAS wrote: »

Weller

Thanks to you, not me. Just trying to help the OP when he was not getting a response and knew you had advised people before.

I should have been more on the ball - other things on my mind

kurjam

hi ras, just got a phone call from the debt people, they say they can not send me anything as as far as tthey are concerned they have the debt and they have all my info so that is enough to proof that they own the debt..
the man was very very rude and demanded £500 now....
told him i needed the info requested and as far has he was concerned they have never had a letterf from me, strange seeing how they phoned me up today !!!
what do i do now, they sending me a letter to fill in for incomings and outgoings, what shall i do ??

rog2

kurjam wrote: »

hi ras, just got a phone call from the debt people, they say they can not send me anything as as far as tthey are concerned they have the debt and they have all my info so that is enough to proof that they own the debt..
the man was very very rude and demanded £500 now....
told him i needed the info requested and as far has he was concerned they have never had a letterf from me, strange seeing how they phoned me up today !!!
what do i do now, they sending me a letter to fill in for incomings and outgoings, what shall i do ??

No CCA - No collectable debt. It's as simple as that. Doesn't matter what the DCA say 'as far as they are concerned'.
Who is this bullying company?

RAS

Rog it is

anyway today i get a card from allied international credit as rcc as passed this over to them as i have defaulted....

Kurjam

As rog says, they cannot collect it. If you sent the letter recorded delivery as advised, when was it delivered and who signed for it?

keep that on a piece of paper by the phone and tell them if they ring again.

if they do not provide this shortly, you can send a second letter telling them to dissappear.

I think one now telling them that all communication will be in wrintign will be a good idea.

kurjam

letter was delivered today, starange that as its today they rang me.
he told me that they have my adress, age, debt, postcode etc and that should be enogh proof that they have the debt.
the company is allied international credit...

what do i do, do i write to them again ir ring them....
getting worried as they seem a bullying company...

kurjam

sorry forgot to say it seems strange they can send an incoming and outgoing form but cant send me a caa....
asked for a statement of my account, he said they cant provide one as i have not paid anything to them, would they not have details from the other debt company ??

kurjam

what does caa stand for, and what should i be getting from them as when i quoted it to the man he did not seem to know what to say, infact he went away for a couple of minutes....maybe because i got as good as i got !!!
they will not beat me, but i feel presured into giving in...