F&F settlement letter offer or CCA . Not sure where to start. Thanks

wakeupcall

An update and question 

MBNA, Sainsbury’s, Aqua, -unenforceable 

Vanquis- letter NCO are no longer serving account

HSBC - enforceable (found CCA)

Nationwide - complaint as received SAR request, haven’t received  response yet. 

Do I offer a F&F settlement to HSBC or do I wait until they contact me? 

Many thanks for all information received x

fatbelly

If you are in a position to make an offer, and that is your chosen strategy, then now seems a good time

wakeupcall

Thanks 
Struggling a bit with Nationwide. 

I complained and never got a reply so I complained again and this is the letter I received. 

Do I resend the CCA request which they acknowledged in January and then I received the SAR letter that I previously uploaded.

Many thanks and sorry having to keep ask for advice 

fatbelly

Well, no problem in taking their £50.

I think if I were you I would make clear what the position is, as they are fudging it, either by intent or incompetence.

On xx/xx/25 I made a formal request under s78 CCA 1974, including the statutory fee. To date, you have not complied with this request and therefore I remind you of s78(6) in that you are 'not entitled, while the default continues, to enforce the agreement'

wakeupcall

Thanks I have received a reply, it’s quite a nippy reply in my opinion 😀 where do I go now? The FO?  

Thanks again for all your advice. X

fatbelly

So they are happy to pay you compensation as you.

But cannot fulfil a cca request because they are not sure you are you.

Doesn't really add up, does it?

Almost as if they can't find the original agreement

wakeupcall

I know 🙈 next step to leave it as it is or go  to the FO 

wakeupcall

Today I received a copy of the CCA following Nationwide saying they couldn’t provide it as they didn’t have my signature and couldn’t confirm my identity.

The signature is typed the same font as the signature from Nationwide

Does this mean that this debt is enforceable.

as always many thanks for keeping me right. 

fatbelly

They are allowed to reconstruct an agreement but have to do so accurately.

For example, check if they were operating out of that address in 2013

wakeupcall

Thanks i received an email yesterday that Nationwide have now passed the debt to arceurope after 10 years