letter from natwest bank

[grantyboy]

hi all
well i am working on the 3 letter principal that seems to be the norm this is the reply from nat west after the second letter i sent them i have today just sent the 3rd letter asking them to validate ive left the letter in tacked acct numbers adress etc the acct as been cloased for some time now any advice would be appreciated as to what i should do next many thanks

[ceylon]

just the usual stuff either bill them or leave it as it may of crossed in trhe post

[grantyboy]

hi all
sorry if ive done this a few times i forward a message from nat west bank on a PDF format not knowing if anyone actually got to read it ive know done a hard copy of the reply i got back from nat west bank after i sent them the 3 letters asking them to validate the debt here is there reply any info regarding the reply and what i should do next will be greatly welcomed

×dear sir thank you for your letter dated 23rd march2012 i have been asked to respond as the points you have raised fll under my responsibility i note you request for the provisionof documentary evidence and documents validating what you owe us you refer to validationof the debt you may have gleamed this expression from US web pages giving advice to US consumers based on pratices applying in the US under the fair debt collection practices act 1977 under paragragh 809 of the act a debtor may notify the debt collector that the debt is in dispute which is then expected to provide validation of the debt US law does nor apply in england and your demands for validation of the debt are inappopriate and as such we will not be responding to this request you also refer to promissory note and bill of exchange these are not relevant to your credit card indebteness we wonder if you are erroneously using infomation gleamed from the internet as promissory note is a means of documenting consumer credit in the US you appear to suggest that a credit card agreement could consitute a bill of exchange this is incorrectthe bills of exchange act 1882 s.3(1)sets out that A bill of exchange is an uncondtional order in writing adressed by one person to another signed by the person giving it requring the person to whom it is adressed to pay on demand or a fixed or determinable future time to sum certain in money to or to A credit card clearly does not fall within that description regarding transferring the account to external agents for collection this is covered in the terms and condtions of use and a letter stating this would happen was sent to you on the 7 december 2011 termination notice refCOL350a deed of assignment does not have to be issued as this refers to USA law not UK law as confirmed under the consumer credit act your original letter requesting verification of the claim copy contract and affidavit are all covered under the USA law and does not form any part of the UK law that financial institute's have to comply with please be advised that you have not been discharged from this debt and the balance is due and owing in full our agents will continue to collect on your account which may result in legal action being taken against you if you fail to make arrangements for repayment with them .......... any advice will be greatly received this is after i followed the 3 letter stage

[Osmanli]

Hi mate,

I got this same letter myself, the banks are just sending us all the same template letters barclaycard halifax u name it the pieces of shit they cant answer any of the qs so they talk shit n make shit up they will not roll over but it doesnt matter they cant do nofin to us i wouldnt worry mate i'm not any more, really lifes more important than to worry bout these bastards. All they have over us is fear, when thats gone its finished bcoz u realise wot can they do reck ur credit? so wot thats as bad as it gets credit can be repaired! if not its only fiction anyway stay happy think of eveything u love family friends do the things u enjoy. send the letters do ur research but never spend 2 much time worrying its a killer!

Excuse my french but Fuck em man Fuck the banks!!!

we all know its the biggest evil in the world after all

[Osmanli]

Invoice every 1 who replys after the 3 letters, any1 who don't reply in 30 days enstoppel them
u can get an invoice template from the man ceylon nuff love

[grantyboy]

cheers buddy (fuckthebanks) yes i really aint worried anymore i have the estoppel notice ready after the next 10days i think to send them after reading the letter from natwest i could not even work out let alone understand what the fuck she was saying now i like to think i have some intelligence but that letter well went right over me lol the worse that can happen if i have to is to go bankrubt if i have to if any one as similar letters i like to see them posted i see how much they are alike were keep in there buddy fighting all the way till the next time

[Osmanli]

cheers buddy (fuckthebanks) yes i really aint worried anymore i have the estoppel notice ready after the next 10days i think to send them after reading the letter from natwest i could not even work out let alone understand what the fuck she was saying now i like to think i have some intelligence but that letter well went right over me lol the worse that can happen if i have to is to go bankrubt if i have to if any one as similar letters i like to see them posted i see how much they are alike were keep in there buddy fighting all the way till the next time

hey mate the estoppel needs to be sent after 30 days of not hearing anyfin, if u do u hear anyfin bill them its all on this website in banks and credit cards section. lol i've given up trying to understand wot they write but i think its all designed to confuse us. ok stay strong grantyboy, we r not doing anyfin wrong just asking simple qs. u can private message ceylon if u really need help if u havent already

[grantyboy]

ok (fuckthebanks) thanks for info i wait the ten days ive now sent the 3 letters now 3rd one went yesturday do u think i should bill them or after 30 days send the estoppel letter ?

[ceylon]

you only bill them if they contact you after letter 3

[grantyboy]

you only bill them if they contact you after letter 3

thanks ceylon so after the 3rd letter as gone if i hear from them i invoice them then after 30 days i send them the estoppel thanks