Better not say who it at a mo but it is a high street bank. Any thoughts.

I've never had a NatWest account so I have no idea where they got that from. Does this bank have the right to tell me how long I have to take this to the Financial ombudsman ? Still no CCA. and they've already sold the debt to a 3rd part despite the account being in dispute and letters being sent. I really don't care if they reject it. I didn't write to complain to them I wrote their High way robbery collections dept for a CCA All I wanted was proof of no CCA and this seems to be it ( am I right? ) I'm sure it takes a bit more than mentioned to accept liability than what they've said. I certainly haven't put that into words. Anyway advanced on this.

After 6 months of asking for a CCA I get this: Final Response Dear Mug! Account Number: xxxxxxxxxx Thank you for your letter dated xx June 2010, addressed to , my understanding of your complaint is that: • You believe s. I'm sorry that you're unhappy with the way this matter has been handled. Highway Robbery Collections has requested we respond to your correspondence. Having considered the comments you've made, my understanding of your complaint is that: • You believe Highway Robbery Collections has failed to provide you with your requests for your credit agreements, as regulated by The Consumer Credit Act 1974, or your statements. • As this information has not been provided, you believe your debt to be uncollectable and you would like the Bank to stop processing your data. • You will only communicate with the Bank in writing and you reserve the right to report our actions to any regulatory authorities. I have completed my investigation into your concerns and I am sorry to advise you that I am unable to accept your complaint. I know this will be a disappointment to you and it is important for you to understand the reasons for my decision, which are set out in detail below. Following my review of your file, I am sorry to say I cannot trace a record that we received the letter you state you sent to HIGHWAY ROBBERY COLLECTIONS on 11 April 2010. Our records do show you also made this same complaint in your letter dated 19 July 2010 and this responded to in our letter dated 2 August 2010. To clarify the contents of our previous correspondence; Our records show that your personal loan (numbered xxxxx and xxxxx) and current account (numbered xxxxxxx) were closed for debt recovery purposes in Feb 2003 and transferred to our Consumer Debt Recovery Department (CDR) under reference xxxxxx with a consolidated outstanding balance of £9,642.30. I am sorry to say it is no longer possible for us to provide details of the loan account, such as a copy of the credit agreement from when the account was opened. However I have enclosed copy statements of your loan account and current account for your reference. Usually there is a £10.00 copy statement fee but you will not be charged on this occasion. I have also requested a copy of your statement for payments received whilst your account was in CDR and this will be sent to you under separate cover. Although we are obliged to keep such documents as a credit agreement for a reasonable period of time, we are not required to keep these indefinitely and 6 years is the known industry standard for holding these documents. Whilst I am sorry for any inconvenience caused to you by us not being able to supply these, I do not feel that it is realistic for us to have retained these documents from April 2001 when you loan was advanced. I am sorry that I am unable to provide a copy of your loan advance documents from 9 years ago, however I am satisfied that it is correct for us to look to you for the repayment of your borrowing and recovery of your debt will continue. Our records also show you originally assigned Solicitors (blah blah Solicitors) to deal for you in this matter and you have written cheques from your NatWest account and sent us several financial statements for repayment of this debt and in view of these findings, I believe you have accepted liability of your debt. Since 2004, we have received payments totalling £3701.00 and these have been used to reduce the outstanding balance to £6,143.30, as of today's date. I cannot trace any records which state you have previously disputed this consolidated debt. As per your request, I have deleted your telephone number from your file and noted that you should only be contacted by mailed correspondence. With regards to you reporting this matter to the relevant authorities, please note that it is your legal right to deal with this matter as you deem best. Due to non payment of your debt and arrears accruing, your debt has now been transferred to Moorcroft Debt Recovery Ltd for administration. I would suggest you now contact Moorcroft, on 0161 4752830, to negotiate interest free repayment of your debt. Failure to do so could lead to further action against you, such as the sale of your debt to a third party debt collection agency. I hope you understand my reasons for rejecting your complaint. If, however, you remain unhappy you can refer your concerns to the Financial Ombudsman Service. I have enclosed a leaflet which provides full details of the service and how you can contact them. If you wish to refer your complaint to the Ombudsman you must do so within 6 months of the date of this letter. Yours sincerely

I've quite often seen on these boards people saying "We don't have debtors prisons anymore", this just proves we do.

Just as I said. Spoken to some other people in London today regarding summon's . Council DO NOT send warning letters. they may claim they do but my research from the people I've spoken to says they don't.

I'm going through the same **** right now. Absolutely no warning at all. I swear council don't issues letter in the first place.

oilyrag I do believe you ( I'm struggling to find what you said ) but surely some area's have case law on their side where the consumer is involved.

Oh well. that's that idea out the window!

Would be nice to hear of someone actually going for the jugular of a DCA by reporting and getting something done about their actions.

OK so no one knows the answer( that I do ), but from my own interpretation I can't see how a 6 year law can exist.

I'd be inclined to read them and if they're no different and you've already responded, send the letter back at their expenses "Return to sender". Don't waste your time,waste theirs. Emails: They can be used in court which is probably why they wont accept them. Bloody parasites!!

Having just read this article: Add www at the front. europeanlawmonitor.org/EU-Information/EU-Legal-Principles/EU-Law-Does-European-Law-Override-National-Law.html Would I be right in saying if that is the case then surely The statute barred law of 6 years is really 3 years!

Saying you saw something on a forum isn't much of defence. At best irritating. what great legal training these people must have gone through.