Cca Documents Received - Are They Ok - What Next

typerchris

Good Evening all,

I sent a letter to NatWest asking for copys of a signed agreement and copy of default notice and i have received the following documents back and i just need to know what to do next?

http://i59.photobucket.com/albums/g2...s/natwest1.jpg

http://i59.photobucket.com/albums/g2...is/nat1002.jpg

http://i59.photobucket.com/albums/g2...is/nat1003.jpg

http://i59.photobucket.com/albums/g2...is/nat1004.jpg

http://i59.photobucket.com/albums/g2...s/natwest2.jpg

http://i59.photobucket.com/albums/g2...is/nat1006.jpg

http://i59.photobucket.com/albums/g2...s/natwest3.jpg

http://i59.photobucket.com/albums/g2...s/natwest4.jpg

fermi

They say:

In terms of CCA copy document regulations, the 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement.

That sounds like utter rubbish to me.

If I alleged you had a credit agreement with me, and when you asked for proof I sent you a blank agreement and a copy of my current terms of an agreement would you accept that as proof that a real agreement was ever signed and that I had a copy?

I wouldn't think so.:rolleyes:

That letter appears to be BS as they probably don't have a copy of the original agreement.

EDIT: Was going to say ask on CAG, but you already have.;)

typerchris

What would you suggest i do next to get this default removed?

stapeley

Not sure about gettin a default removed , If a signed copy of a CCA is not produced the debt does not go away ,it means it maybe unenforceable .

typerchris

but they cant prove debt and have never issued a default notice so how can they put it there.

Surely there is a proccedure to follow when companies hand these out.

Cheers

typerchris

do you think the follow up letter would be applicable the one after 12+2+30?

Just a idea but i'm probally wrong

stapeley

Cann,t do any harm . Try TS as well.

petermb_2

typerchris wrote: »

Good Evening all,

I sent a letter to NatWest asking for copys of a signed agreement and copy of default notice and i have received the following documents back and i just need to know what to do next?

http://i59.photobucket.com/albums/g2...s/natwest1.jpg

http://i59.photobucket.com/albums/g2...is/nat1002.jpg

http://i59.photobucket.com/albums/g2...is/nat1003.jpg

http://i59.photobucket.com/albums/g2...is/nat1004.jpg

http://i59.photobucket.com/albums/g2...s/natwest2.jpg

http://i59.photobucket.com/albums/g2...is/nat1006.jpg

http://i59.photobucket.com/albums/g2...s/natwest3.jpg

http://i59.photobucket.com/albums/g2...s/natwest4.jpg

I have to admit that loans and mortgages are my bag and not credit card agreements. However, the first thing that struck me is that the lender has provided you with a document and the final statement. They state that if you contact them they will advise you how much they will charge you to provide the rest.

Simply SARN them with £10 requesting all Statements, a copy of the agreement and all correspondence relating to the account including any default notices.

The lender is duty bound to provide this documentation within 40 days.

The chances are that there will be overcharges on the account, which you can challenge.