unenforceable loan

[jason_mnm]

Hi Newward when did u take ur this Natwest loan?

[newward]

April 06

[citizenB]

newward, has there been any further communication in respect of this. I think your last update was mid October:)

[newward]

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??