Good evening, letters to be sent tomorrow morning.. been so busy at work lately. Another 5 phone calls today at least, but all being blocked by a nice little app I downloaded for my blackberry. I feel like I am ready to go to war with these lowlife's! I feel sorry in a way for the losers that have such an awful job working for companies like this..

Hi all, I'm working on the letter I am sending to Crapquest, and also the one I will be sending to Gnatwest, as well as reopening my complaint with the FOS, and complaining to the OFT. I will form the letter using the advice given above, but also I will add in the letter about the OFT guidance on debt collection..ie pursuing a disputed debt, passing on the debt to different agencies without informing me..harassment etc. I've been getting 2-3 phone calls a day from their 01252 number, and a also the 0844 number. I've managed to download an app on my my blackberry that blocks these numbers, but now they are calling from private numbers as well, so I'm trying to block those! I had a call from a private number at 22.53 last night... to much of a coincidence I think?? I've also marked their text messages as spam, so I shouldn't be seeing them anymore and getting stressed out !

perfect, thats just made me smile!! It was my nans funeral yesterday, so getting the text, calls yday and then the letter today was beginning to get me down..

Letter just received from Cra*quest.. We have been appointed by our client Gnatwest Our client hs instructed us to consider litigation if no satisfactory response is received. This firm together with out solicitors will endeavour to help and assist you in anyway possible to clear your debt with the need for legal action. We are undertaking various checks and validations to expidite legal proceedings. Checks will be made on property ownership through checking of Land Registry Office and validation of employment details.

Coledog, you are awesome, thank you!

sorry to bore all, but this is a good way to vent some frustration.. 3 texts and 2 phone calls in 2 days.. going to get their numbers blocks or phone number changed.. they have a strongly worded letter coming their way.. does anyone have any suggestions as to the format? should I use something similar to one's earlier on in this thread? thank you so much for your assistance everyone.

I'm going to change my number, or have my mobile company block their numbers as a start.

Hi, it could only be about that to be honest.. another complaint letter I think to Natwest once the letter arrives.. a letter about harassment as well..I was just worried that this lot are the type that turn up on the doorstep?

Hi, so now I am getting text messages from Capquest?? who are they, does anyone know how they differ from Roxburghe...I haven't had chance to send harassment letters etc this week, but now I have Capquest chasing me.. seriously this is beginning to get me down now!

thank you Coledog, that's the kind of direction I need.. I'll get onto that this week!

Hi all,fiveaside here.. sorry I haven't replied in a while.. on a different user name as well ( long story ). Incessant calls from Roxburghe, and towards the end of the week..and text messages that end with this icon ? and phone calls from Graham White Solicitors. I have ignored the phone calls thus far.. I have nothing to say to the scumbags! I'll send them a letter this week reminding them I reported them for harassment a few months back and requested communication, should it need to be made, should be done via letter. I can't see that the law has changed, or a test case has failed. I have nothing but contempt for these people...does anyone else have more guidance ?

Hello all, sorry for the delay in coming back on here. Things have been really busy for me over the last year. I've been fighting Natwest,their solicitors, and speaking with the FOS. Good news is that I managed to get £4450 back from them in PPI related to settled loans, dating back approx 13 years! I would have got more, but they used approx £3k to clear arrears on the loan down. The loan was actually defaulted as far as I could tell from my credit report, back in March 2009. I was speaking with Natwest via their solicitor's Shoosmiths for approx 6-8 months, before I was sent a letter by the solicitors to say that they been instructed by their client not to pursue matters further. My stance has always been, and will continue to be that they still cannot locate my credit agreement, the LEGAL document. So..I've got my PPI back and forgot all about the loan until I get a letter from Roxburghe DCA yesterday.. usual threatening language - ie we will recover this debt with or without your help etc. From my understanding they still don't have a leg to stand on, as this as unsecured debt? If I have a letter from the banks solicitors to the effect they have been instructed not to pursue? They can't physically remove anything from my property can they??

April 06

I've just read this on MSE.. very interesting.. Could the debt write-off industry become a write-off? - MoneySavingExpert News

anymore on this?

Hi Mike - how did you finish up with this?

Dear Sir/madam After careful consideration of your letter, received 24th July, I hereby request for yourselves to consider the following points, and formal requests. * Natwest have admitted on numerous occasions that they cannot locate the original agreement. I have requested this on several occasions, both as Subject Access Request, a request under CPR, using a letter before action. * Natwest state they have sent me a true copy, in December. I have taken legal advice, and I am informed that this is NOT a true copy. It doesn't contain any prescribed terms, it is NOT the original agreement, it is NOT the original signed agreement, the APR was NOT shown, and there is NO PPI breakdown. I have continued to maintain a dialogue with Natwest, dealing with several different customer service departments, repeating my case, my issues and concerns, several times over. This matter is with the Financial Ombudsman Service, and has been for several months now pending information - ie the ORIGINAL agreement from Natwest. The matter has been raised to the Financial Ombudsman Service, the Information Commissioner, Trading Standards, Office of Fair Trading, HM Treasury, my local member of parliament, and the Citizens Advice Bureau. So to summise , I suggest that you return to your client, to clarify the following points : * why in a letter sent to me by Natwest dated 15th December, that Natwest deem to be a “true copy”, this doesn’t contain prescribed terms, rate of APR, breakdown of PPI, and pure loan re-payments, and no signature from me ( I have enclosed this letter for your reference ) * In a letter dated 23rd December 08, your client confirms a rate of APR of 10.5%, and still no APR/PPI breakdown as stipulated above, no signature, or original agreement as requested. * Your client also confirms in this letter, that under s.77 (4) of the Consumer Credit Act, 1974, they would be unable to take steps to enforce repayment by court action. ( this letter is enclosed for your reference ) due to the fact that they cannot locate the ORIGINAL SIGNED AGREEMENT. I am advised by my legal team and financial adviser, that as this agreement pre-dates 2007, without the ORIGINAL SIGNED agreement this contract is not enforceable in a court of law until. *dated 21st May’09 I received a letter from the FOS team ( possibly the 4th person at Natwest.to investigate this issue ). Natwest give details in this letter finally, about PPI breakdown ( a matter I shall return to later.. ) and a rate of APR of 5.6%. Please refer to my 2nd point in this letter. Natwest confirm a rate of 10.5%. Why the difference in rates??? I return to my previous requests for the original agreement – as surely this would show a correct rate of APR… In relation the PPI – I make the following formal requests : I believe that the Payment Protection Insurance was mis-sold and will be challenging it’s validity. In addition commissions will have been paid, which remain undisclosed. * I require a breakdown of the non-disclosed amount, deemed as secret commission, any commission paid by the lender to a broker and any commissions paid by the Insurer to the lender as the lender will have a fiduciary duty in relation to the arrangement of the insurance. * I require a refund of the full amount of the insurance amount, being £5358, plus interest paid on this amount, and statutory interest of 8%.

Hi, so its been a few months since I have posted on here. In the meantime, I have managed to find a job again - back up in the city, temping, but still a jobs a job in this climate. In regards to the loan.. its now with Natwests solicitors Shoosmiths to come back to me. Natwest suspended any action or reporting on my credit file whilst the case was with the FOS for a few months, earlier in the year. They are now registering late payment on my credit file, and have defaulted my current account. I offered to pay back my overdraft of approx £1000 but they said any money I put into the account, would be used to clear some loan arrears! I'm in the process of writing a notice of correction for my credit files.. does anyone have a useful template that I can attach to my account default/loan payments - to explain the situation? FOS were no help at all.. what a waste.. I sent them a file of correspondence, approx 40 pages worth of letters to and from Natwest and I, but nothing was addressed in terms of their data protection breaches, the fact they cannot locate the loan, the disgusting customer service received.. unreal.. Natwest a couple of months ago then passed on the debt to Triton who started to then hassle me, daily for about a week. I told them I would be getting in touch with my solicitor, and explained to them about the ongoing situation with the lack of agreement. They told me that Natwest had not mentioned anything at all on the file that they sent them, about a dispute. I was then sent a letter from Shoosmiths approx 6 weeks ago..telling me I had 2 weeks to repay the debt, or come to an agreement etc. I called them, again explained the situation - said I would put all this writing. Nothing happened, and so I called them about a week later, and I ended up being put through to one of their solicitors..not one of the customer service people I must have been talking to before. I was on the verge of really losing it with this person, they are solicitors after all, so they try to find flaws in your statement or conversation.. I said I wasn't continuing the conversation anymore, and I would be sending a letter outlining the details of my case, and also questions that I had with regards to the case, that I felt Natwest should answer. We are basically at a stage now, where the ball is in their court. I am advised by someone who is kindly helping me out who is well versed in payment protection matters that they will find it very difficult to answer some of the questions that I have posed - I'll post this up soon.. Related to this loan I have experienced a degree of success. I went to the FOS to attempt to reclaim PPI on all loans I have had with Natwest. I have been successful in reclaiming approx £700 from 2 loans, settled many many years ago. I received a letter from the FOS a couple of days ago, to say that Natwest have agreed to settle PPI claims on 4 other loans - 3 of which were settled years ago, 1 is outstanding - ie the one attached to the unenforceable loan!! So I have these offers there from Natwest, but they wont settle the claims seperately.. I am keen to separate the settled PPI reclaims from the PPI that is essentially still live!!

I am having exactly the same issue, but I am a bit further along..

thx Davey.. just sent Terrie a message for contact details!!!

Hey Davey.. well I spoke a solicitor. Not eligible for legal aid as such..but they said they are willing to look at it for me, but they wanted £500 on deposit from me, but they couldn't give me an idea if i'd be successful or not..they said they'd have to look at an agreement.arrrrrrghh... they are being stupid, as I have told them about 5 times, that they don't have it. £500 is a lot of money to give to them, non returnable. I have done the CPR route twice now.. guess I could go the N244 route, which I have seen people talking about on here. If I do this, then the FOS will no adjudicate on the case anymore. At a loss what to do now.

A quick update. Natwest sent me their final response letter, in which they refer me to the ombudsman. They refer me to a letter they sent me back in December, which they state as a true copy - the doc is on earlier post, but essentially doesn't contain, APR rate, PPI breakdown , no signature, nor prescribed terms, but purely a "statement of financial information"?? I'd be interested on peoples thoughts here, on what a true copy is , and I believe because the loan was taken out Apr'06, Natwest have not in fact met their obligations, as this was for the change in legislation in 2007. One positive point I guess.. is that Natwest have agreed not to progress with default action - given that this case is now with the FOS. I gave Natwest my case officers name and case reference at the FOS. They say they wont pursue the case, until the FOS has ruled etc ?

I have.. please take some time to read the latest parts of my thread..

Had a positive response from a solicitor, need to call them tomorrow to discuss in more detail. I had my default notice from Natwest today - ie we will default you from 28 days of this letter. Obviously some parts of it, are complete rubbish- ie we will pursue this matter through court etc, ermmmm you can't?!!! Will draft a strongly worded letter to them tomorrow, and copy in the FOS ( for what its worth )! they want to default me on my overdraft as well, but I may come to some arrangement with them there to pay it back next month, when I receive my redundancy money. And on that note, I am getting ready for a big interview!!! Natwest now to the back of my mind, because I have come onto here, to let go some of the stress

here's hoping... I am also getting in touch with some solicitors as well.