Ding-Ding Round 2 Enaids lad

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Well done Hinge, at least it should put a stop to any collection activity.

WRONG

Ok I am so so peed off with this now.
Got a reply from FOS, a leaflet enclosed on 'How to Complain'.
The letter states that I must first have given the' business concerned a chance to put things right'.
That they have written to Natwest with details of the complaint and have asked them to deal with the matter. Giving them 8 weeks to do so.

Also in post a letter from Moorcroft I am going to give you this word for word cause I really can't believe it.

I write in response to your recent dispute in relation to the above account and can confirm we have been in contact with National Westminster Bank PLC who have advised us that they sent you a letter on the 13th February 2009 giving you an address to register your complaint against the charges as it has not been finally settled in the courts.

I trust the above response has now resolved your dispute. I can also confirm I have placed your account on hold and request you make immediate contact with our call centre on the above telephone number to discuss a repayment proposal you can afford and maintain.

If you are unhappy with the information provided please contact us by return (or in amy event prior to the above date).

The above date is the date of the letter lol 23rd March 2009.

Ok what do I do now ?

This account is with CCCS and has been paid monthly on a DMP
This account is for nearly a grand and is totally made up of bank charges and I am sick to the back teeth of telling all concerned that it has been in dispute and my complaint noted since January 2008
As for FOS how many times can I tell Natwest they are not following the waiver guidlines with this account by passing it to a DCA
Going to work now totally peed off and disgusted at all concerned.
Enaid x

[natweststaffmember]

Re: Ding-Ding Round 2 Enaids lad

"(18)
the firm must not close accounts or threaten closure of accounts of customers when it might reasonably appear that this is for the purpose (or with the intent) of penalising customers that have complained about unauthorised overdraft charges for having complained, or deterring future complaints from these customers or others. For the avoidance of doubt, the firm may close accounts or threaten to close accounts where there is good justification for doing so based on the circumstances of the particular case;"

Potentially it is this one. Might be worth a letter to them stating that you are very happy to call Moorcroft on the conclusion of the OFT test case as the amount of charges equal or exceed the amount that is in dispute. Should Moorcroft still pursue this debt then you make further representations to the OFT about this matter.

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Nattie chuck, you have completely lost me with that reply. Can you give it to me gain slowly please?

[natweststaffmember]

Re: Ding-Ding Round 2 Enaids lad

http://www.fsa.gov.uk/pages/Doing/Re...sp_monthly.pdf
Point 18 is in the FSA Waiver.
OFT point was on debt collection activity for a debt in dispute.

[Mochamoo]

Re: Ding-Ding Round 2 Enaids lad

Does your boy not qualify for hardship? He has lost his job, he is essentially behind in his rent so he ahs arrears (as he is not paying you) might be worth a shot to try and get some of the charges back and get him sorted and stop these letters.

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Thanks mocha, I got the I&E sheet off them but then he got a job then he hasnt got a job lol its bad enough keep getting in touch with CCCS about up and down payments

[Mochamoo]

Re: Ding-Ding Round 2 Enaids lad

Okies... was just a thought without you he would really be up the creek. Hope he realises what a fab mummy he has x

[enaid]

Re: Ding-Ding Round 2 Enaids lad

aww your so kind, it is all charges Mocha so the lad stands to gain no money from it at all just the money he has been paying through CCCS thats all so it wouldn't be like a hardship claim to pay off his debts.

[Amy]

Re: Ding-Ding Round 2 Enaids lad

They are computer generated letters, ignore them.

[enaid]

Re: Ding-Ding Round 2 Enaids lad

They are computer generated letters, ignore them.

I know I should, but I can't, so I'll just plod on accordingly.
Thanks anyway.

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Letter of 'Intended Litigation' from Moorcroft just arrived demanding full payment by 2nd April.
So am not writing to them now, but should I write to the FOS and tell them that while they are giving Natwest 8 weeks to reply with a final response I am getting all this from Moorcroft?
Or do I write to the chap at Natwest who is dealing with this and has 8 weeks to do so because I have his name and address?

Which one will be best do you think or maybe should I do both?

[Amy]

Re: Ding-Ding Round 2 Enaids lad

Again, do nothing. If they sue you (which they won't) you counter sue for the charges.

Simple.

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Again, do nothing. If they sue you (which they won't) you counter sue for the charges.

Simple.

Ok if your sure, but if we all end up living with you, you may be very sorry

[Amy]

Re: Ding-Ding Round 2 Enaids lad

You have a paper trail as long as your arm, you'll be fine.

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Do you have 7 bedrooms though? PMSL