Natwest Overdraft & Triton

[malamute]

Re: Natwest Overdraft & Triton

Wescot are phoning about 6 times a day and I've got a door stop letter now. I know I can send the door stop threat letter but they are mixed up on the account they chasing and not sure what to say.

The balance is the joint overdraft but the letter refers to a loan that is in a sole name.

What can I send to make them go away??

[malamute]

Re: Natwest Overdraft & Triton

What did I say above about Wetclothes... this is getting a bit muddled up!

Are Wetclothes dealing with the loan as well? Is that the one your dad's paying or is it the O/D?

There is a natwest loan - with capquest and only in my dad's name - deemed enforceable and affordable monthly payments being made.

Natwest Overdraft is from my parents joint account - which the balance owing on the WEscot letter matches - and the letter from is addressed to my mum so they can't mention the loan to my mum.

They've now started calling incessantly. I don't answer the phone anyway and this is too confusing.

Anyone know how best to go back to them?

Do I get them to prove the debt they chasing my mum for? Or be rude that they chasing me on a loan I don't have?

[malamute]

Re: Natwest Overdraft & Triton

Ok so got response today - saying that try have been told by Natwest that the LOAN agreement in January 2009.

The balance on the wescot letter matches my Natwest OVERDRAFT not the loan. The loan is for around 14k and my dad is paying cap quest for that one.

I'm lost are Natwest giving wescot the wrong info?

Are wescot wrong in the account they chasing?

?????

[malamute]

Re: Natwest Overdraft & Triton

...they may write asking for £1 for a CCA request which is a rather standard template response from Hull Heroes Wetclothes (even though this is an O/D, they wouldn't know the difference between overdraft and overdrive, it all goes over their head ). Or they may unleash Nelson Guest Puppets, their letterheads for rent.

Ah I see, thanks for the heads up. Will let you know what they come back with.

The balance on the o/d is now just under 2k (no payments being made now) so be interesting where this could go.

[Never-In-Doubt]

Re: Natwest Overdraft & Triton

By way of update:

Sent the above letter and Wescot replied yesterday with a letter saying that they are looking into my query and will hold collection activity and get back to me.

Brilliant, they'll write back shortly saying sorry and then crawl back under their dirty stone. Or they'll get wise in which case let us know and we'll clarify what next

[malamute]

Re: Natwest Overdraft & Triton

Apologies - I have a UE diary that is linked to this as its an overdraft. I've not followed the UE route or tried to on this. It was being paid (natwest/Triton) were charging interest on it - refusing to freeze it. So took advice on here and let it sit.

Got the letter from Wescot yesterday, basically introducing themselves as a DCA and to pay the debt in full with the slip at the bottom or phone their 0844 number to prevent further recovery action.

Again - apologies.

By way of update:

Sent the above letter and Wescot replied yesterday with a letter saying that they are looking into my query and will hold collection activity and get back to me.

[malamute]

Re: Natwest Overdraft & Triton

I would still respond with the letter Niddy mentions.

Thanks I will do - just thought I'd clarify my original post.

Thanks for responding.

[Pixie]

Re: Natwest Overdraft & Triton

I would still respond with the letter Niddy mentions.

[malamute]

Re: Natwest Overdraft & Triton

If it is a new dca respond with this --> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

* you need to be a lot more forthcoming with info, this is not how we do UE diaries, plus we're guessing based on your lack of information.

Please follow our process for full effect or mistakes will happen and you will most likely get burned..... thanks

Apologies - I have a UE diary that is linked to this as its an overdraft. I've not followed the UE route or tried to on this. It was being paid (natwest/Triton) were charging interest on it - refusing to freeze it. So took advice on here and let it sit.

Got the letter from Wescot yesterday, basically introducing themselves as a DCA and to pay the debt in full with the slip at the bottom or phone their 0844 number to prevent further recovery action.

Again - apologies.

[Never-In-Doubt]

Re: Natwest Overdraft & Triton

Just telling me that I have to contact them to pay them. It is the usual - new dca please pay letter.

Sorry!!

If it is a new dca respond with this --> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

* you need to be a lot more forthcoming with info, this is not how we do UE diaries, plus we're guessing based on your lack of information.

Please follow our process for full effect or mistakes will happen and you will most likely get burned..... thanks

[malamute]

Re: Natwest Overdraft & Triton

What does the letter say?

Just telling me that I have to contact them to pay them. It is the usual - new dca please pay letter.

Sorry!!

[Pixie]

Re: Natwest Overdraft & Triton

What does the letter say?

[malamute]

Re: Natwest Overdraft & Triton

Update!!

Have a letter from wescot - balance seems similar to what is overdraft - their client is Natwest retail
Finance.

Ignore??

At least no more interest.

Next step??

[Never-In-Doubt]

Re: Natwest Overdraft & Triton

Ooops - that'll teach me

Ok, still ignore it - they'll get to offer stage at some point. Obviously wait for them to contact you...

[Deepie]

Re: Natwest Overdraft & Triton

If its from 1977 then they aint gonna have the agreement and to be fair they're gonna struggle to enforce this so why worry about saving for a F&F?

Keep saving by all means but please, don't go making any offers....

If they defaulted in 2009 you need to stay quiet till 2015 which is when Statute Barred will kick in plus it'll drop off your credit file then too. :niddy

Still no news/update on this one - no payment made, just storing money for an F&F - how would i go about checking the default notice that was issued on this account.

The current account was set up in 1977 and account defaulted in 2009.

Thanks!!

This is a current account Niddy