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Hi All I had sent a SAR to Ulster Bank (Natwest)at their Insolvency and Client support centre at Southend-on-sea for 2 acounts on the 3/9/09. To date I have only received some statements for one of the accounts,the 40 days is now up. AIC had been dealing with these accounts but today I received 2 letters from RMA (Risk Management Alternatives) Preston. So I phoned the Insolvency centre at Southend,told the girl I was recording this call and asked why these accounts had been passed to another DCA,as both accounts were in dispute. She stated she didnt know both accounts were in dispute,but when I stated that I had sent all the cca and account in dispute letters (that were sent to AIC) along with the SAR request to them,she said that it was my problem with AIC not with them,she also said I should send her a 2 CCA requests along with the £1 fee (1 for each account) Can someone tell me, if I send the £10 fee with a SAR request should they not send me the copies of my agreements as well as all other paperwork. Or will I now have to send further CCAs and £1 fees to them The SAR 40 days is up but because I am in Northern Ireland I am not sure how to proceed with this non-compliance, anyone any ideas. Just on a lighter note,I seem to have now got rid of AIC as they have passed the account on to RMA, anyone had any dealing with this crowd Torexxx

Hi All Well spoke to Natwest this morning they dont THINK! they can get the copies of the agreements within the SAR 40 day limit also they could only send me copies of statements for the last 6 years, (the 2 accounts went into default over 8 yrs ago,I had been making payments for the last 6 yrs to bring the balance down) so I have no record of charges I was hit with at the start, infact they only sent me copies for one of the accounts , nothing for the second account, The reason I had to phone them is that they had sent me a letter stating they couldn,t send me the credit agreements as I hadn,t sent them the £1 fee, I had to tell them I had sent the SAR and £10 and that covered the £1 fees one part of them dosen,t know what the other section is doing. Now were do I go from here,I looked at the CAG info pack but its only if in Wales or England Problem is I am in Northern Ireland The accounts were with the Ulster Bank who at that time were part of the Natwest group ,but now Ulster Bank are owned by RBS. any help would be most appreciated Oh just on another note the lady I spoke to at Natwest Insolvency centre at Southend on Sea was very annoyed when I told her I was recording the call on my Truecall system. Torexxx

Hi All Had exactly the same reply from AIC for 2 accounts they are dealing with for Natwest , You will find when you send them the second letter they will send it back to you aswell along with your £1. I then sent them the Account in Dispute letter ,they sent it back too, I am at the moment intouch with the FOs office making an offical complaint against AIC, In the end I sent a SAR to Natwest along with the £10 I also put a letter in with it complaining to Natwest about AIC and telling them I would not deal with AIC again due to their Harassing ways and their unprofessional approach to this issue. AIC are the bottom of the pile of DCAs who try and use bullyboy tactics to scare people, they still phone me 3 times a week but I have a Truecall device and it Zaps them everytime they call, Take no notice of AIC as they wont send you what you want, Report them to the Financial Ombudsmans office phone number 08450801800. Fax Number 02079641001. I have been dealing with a chap down there his direct line is 02079641276 or e.mail is chris.kissensing@financial-ombudsman.org.uk You can get a complaint form from www.financial-ombudsman.org.uk Hope this helps abit The more of us that complain about these clowns at AIC the better Torexxx

Hi All Thanks "42 MAN" they still have another 16 days so will wait and see Thanks for your reply Torexxx

Hi All I have put this in as a new threat as I am looking for details regarding the SAR request and not AIC which my other threats refer to. I had 2 credit card accounts with Natwest both of which went into default about 8 years ago I had been paying them of through AIC but when I finally got fedup with AICs bullying I sent them a CCA and Dispute letter after the 14 days I also sent a SAR request to Natwest along with copies of all the letters I sent AIC (CCA and Dispute letters for both accounts) I got in the post today for Natwest in an unsealed envelope statements going back 6 years? Not back the 9 yrs the account has been in default ot 12 yrs since the account was opened. They only included the statements for one of the cards ,not both. also a letter stating that "With regard to your request for information under CCA 1974 this has been passed to the relevant dept to action" What I want to know, is do they only have to go back 6 years or do they have to go the whole way back to the Account was opened and supply statements till that date. Also should they not have included bot credit card sets of statements as both account numbers were on the SAR request. If anyone could let me know then I can phone them and state that I require all statements since accounts were opened I notice another bit on the letter stating that "Copy statements covering up to the last 6 years, any missing are unable to be obtained from our system" These would have been the staements with the charges on them for going into default with the accounts Torexxx

Hi All Think its the best way to go,I e.mailled the Financial Ombudsmans Service, got an e.mail back today from the FOS office with a complaint form to fill in and send it back to them,phoned AIC the other day and really enjoyed my spar with them,I must admit before i came to CAG I dreaded them phoning,only good thing is now if I want a bit of fun I phone them,BUT they have tried to phone me 4 times in last 2 days but my Truecall is set to Zap them which it has done on all 4 occasions, wish I could see their little faces when a machine basically tells them to P*** OFF I have now sent a SAR to OD to get the paperwork I want Torexxx

Hi All 2 phone calls today from AIC, Truecall got them. I did phone them back and had a nice arguement with one of their support staff,infact our little exchange went so well he said he would put me through to his manager. But after a minute or so He didnt want to talk to me, I stated I had sent them the CCA and Dispute letter he said it didnt matter as they were not the OD, So I just said "From now on all contact in writing bye bye" I have also sent of the phone harrasment letter today, and added them to my truecall Zap list. I did send the OD (natwest) a SAR which was delivered on the 9/9/09 so phoned them aswell but they state it hasn,t got as far as their office yet, will now wait ( I think its 40 days) now and see what happens Torexxx

Hi All In the process of complaining about AIC regarding non issue of CCA requests and return of Account in Dispute letters stating they were only acting as collectors for the OD company Torexxx

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Hi All Could I have your views on the 2 pages sent by Cabot, They dont look to bad but then I am not an expert. If unenforceable can you say why Thanks Torexxx

Hi all Maybe someone else could comment on this, In this letter below which Cabot sent to you they state They are "obligated under the original credit agreement" to pass your details to the CRAs, If they dont have a copy of the original agreement , only an application form. How can they state this. . I am waiting for CCA requests from Cabot myself and following your saga with interest Torexxx

Hi All Thanks, " Birchave0" for the very informative reply it answered every question I had, I hope it also answers some other peoples aswell. I think I will SAR Halifax, for my wife and if I can find out who now runs the old Associates Credit card company I think I will SAR them too about an account of mine that was sold on to Cabot. I believe they are no longer, and some other bank now owns what was the Associates company, If any one has an address for them please post it on here Thanks Torexxx

Sorry if I appear stupid in this field, But I am, Could someone please tell me what is" unfair" charges on Bank accounts, and credit card accounts with a bank, Also is there a time limit that these charges can be clawed back from the banks. I also noticed on an old credit card statement my wife had with Halifax from the 1990s to when it was defaulted and sold to a DCA in 2006 It was then paid off in 2007 but because they accepted 2 thirds of the money it was logged on her credit file as " partly satisfied" The old credit card statement dated 22 sept 2001 shows she was being charged for Card protection plan £8.00 per month and credit insurance of 67p per £100 as well . She had taken this card out in 1988 and had it till the default in 2002 after I had to close my small business due to Cancer a few years earlier and we got into a lot of difficulties with creditors Sorry for all the questions but other may be in the same position and answers to these questions may help them aswell as myself Basically to sum it up What are UNFAIR charges

Hi All Well, AIC have sent me exactly the same letter back again! ,(saying to contact OD direct) along with the letter I sent them as stated above But I have just noticed,only thing is this time they kept the £1 postal order,maybe they needed some money for the Tea fund. But I think I will sit back now and see what happens,I cancelled the direct debits I was paying to them ,so maybe when no money comes in on the 4th of the month they will get back to me, Hope they dont phone,as my Truecall will "zap" them. Well we will wait and see Torexxx

Hi Sorry if I appear stupid in this field, But I am, Could someone please tell me what is" unfair" charges on Bank accounts, and credit card accounts with a bank, Also is there a time limit that these charges can be clawed back from the banks. I also noticed on an old credit card statement my wife had with Halifax from the 1990s to when it was defaulted and sold to a DCA in 2004 It was then paid off in 2007 but because they accepted 2 thirds of the money it was logged on her credit file as " partly satisfied" The old credit card statement dated 22 sept shows she was being charged for Card protection plan £8.00 per month and credit insurance of 67p per £100 as well . She had taken this card out in 1988 and had it till the default in 2002 after I had to close my small business due to Cancer a few years earlier and we got into a lot of difficulties with creditors Sorry for all the questions but other may be in the same position and answers to these questions may help them aswell as myself Basically to sum it up What are UNFAIR charges Thanks Torexxx

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Hi Just a question that might help others aswell If a DCA did issue proceedings at court do you have any say in were the case should be heard ie say your proceeding were issued at Northhampton court and you lived in say Aberdeen, that would be a round trip of over 800 miles or even if you lived in Northern Ireland it would mean a Boat trip and then a further 300 odd miles or so,the costs involved in either of these trip would be anything from £100 to £600. I would welcome replies and hopefully others will also Torexxx

Hi After AIC stated that I must sent my CCA to the OD I sent the 2nd letter to them as posted above,when I didnt hear anything from them ,after the 12+2 I sent them an Account in Dispute letter They have replied today,With much the same as their first reply , in the latest letter they say. "Thank you for you letter dated xx/xx/xx which I have attached. as advised in my previous letter to you our client requires you to contact them directly to make any request under the CCA" "Please make all future requests to directly to the OD" "Yours " Now! these clowns at AIC had been harrasing me by phone(before I sent them the CCA) to increase payments,also leaving messages on my machine to ring them ,when you ring they say they had not recieved the monthly payment ,but on checking then say their computer was at fault and the payment was received. I have always dealt with AIC over the last 5 years or so and sent payments to them, never to the OD although I did get statements from the OD every month showing the reduction of my payment of the account I have now cancelled all payments to them. As I said in my 2nd letter to them . As I was paying them and having to take the cr+p of them ,they were acting as an agent for the OD and had a duty to send me the CCA Anyone any ideas as to my next move Torexxx

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Hi There Dealing with 2 accounts with Cabot myself, You need to CCA them first if you look at a few other posts on here you will see a link for a CCA letter,or maybe someone else will drop a link into a reply, Dont worry you will get plenty of replys on this subject ,plenty of us dealing with Cabot, Have a look at some of the other threads TOREXXX

Hi All I am better at working at cars that I am at computers , after a long day finally found out how to get the right size of my letter into my first post HOORAY, at least you can see it now without a magnifying glass TOREXXX

Hi All I have written out a letter any feedback on it appeciated Thank you for your letter Dated 06/08/09, I read with amusement the section in which you state and I quote 　 As we are currently acting on behalf of the xxxx Bank in respect of recovering the outstanding debt on this account,we are unable to comply with your request. Such requests need to be addressed to the legal owners of the product, which in this case is the xxxx Bank. May I remind you of your duties under section 175 of the Credit Consumer Act 1974 of which I quote. 　 175. Where under this Act a person is deemed to receive a notice or payment as agent of the creditor or owner under a regulated agreement, he shall be deemed to be under a contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him forthwith. May I also remind you that you are required to supply the details I requested with in the time limit laid down in the CCA 1974, this being 12 +2 days (ie 23/08/09 allowing for weekends) from the receipt of my letter which you signed for and have dated with your stamp 05 aug 2009. Note that the Credit Services Association, in the first paragraph of its Code, state that members must act lawfully at all times. Furthermore, under the CPUTR 2008 failing to comply with a code of conduct to which you have subscribed is unfair trading. In the circumstances, I will not enter into further correspondence with you, and any further unlawful demands or contact will be viewed as harassment and reported to the appropriate enforcement agency 　 　 I enclose my original letter dated 4/08/09 asking for the details along with the Postal order for £1.00 and a copy of the letter dated 06/08/09 which you sent me. SIGNED ....printed............................. Torexxx

Hi I have tried to make the picture larger but cant get it sorted below is a copy of what was said in the letter Dear Mr xxxx Thank you for your recent letter dated xxxxx which I have attached for your reference. As we are currently acting on behalf of the XXX Bank in respect of recovering the outstanding debt on this account, we are unable to comply with your request. Such requests need to be addressed to the legal owners of the product which in this case is the xxx bank To enable them to provide the documentation you have requested you would need to contact the bank directly by writing to Insolvency & Client Support 1st Floor - section 78 Thanet Grange Westcliff on Sea Essex SS0 0EJ You will need to ensure that your request is accompanied by a payment of £1.00 May I also take this oppertunity to remind you that the full outstanding balance on this account is due and owing You will need to contact our offices upon receipt of this letter to prevent further recovery action being taken Your sincerely K Muir Thanks for looking Torexxx

Hi I had posted wrong letter it was to someone else in the Forum I had saved it to read ,then put it into my threat by mistake, I thought the reply was maybe in relation to this letter and not applicable to the letter that I had received. If you can give me any help with my letter which is copied above it would be most appreiciated TOREXXX