Nat West - Lost Agreement

[andrewthegreat]

Hi,

 

I have received a letter from Natwest today. Basically they have misplaced my CCA about 4 years ago and I haven't paid them anything since. Today the letter was worded differently and basically said that I am "still required to pay what I owe", they sent an income/expenditure form and if I don't liaise with them they will take further action.

 

Can you anyone give advice? They have already confirmed it is unenforceable through the courts and have never done anything apart from sending a statement every 6 months. Have things changed, what are my options? Will they chase me forever or will the debt maybe get written off after a number of years?

 

Thanks for your help...fantastic website.

 

Andrew

[ims21]

Hi Andrew and welcome to CAG

 

As you say, if they have no documentation then this is unenforceable in court. When was the account taken out? If before April 2007 then they would need the original to enforce but if after that date then they may be able to rely on reconstituted documents to enforce.

 

Regardless of that, there is of course still a debt due and there is still a moral obligation to pay.

 

If they say they cannot enforce then it would be interesting to see what "further action" they intend to take.