Start of my unenforceabilty journey

[Joanna Connolly Solicitors]

Originally posted by unicorndeva View Post
Re: Start of my unenforceabilty journey

So here goes with all of our debts:

Owned by Natwest, managed by Wescot
Bank loan and overdraft (combined by creditor for the DMP)
Loan commenced in July 2007, overdraft bank account commenced in the 1980's
£18800 outstanding
Last full payment in 2010/11
Being paid on a DMP
Defaulted


CCA request sent end of Feb 2017. Wescot wrote back advising us to request it from Natwest direct.
New CCA request sent 15th May 2017

23rd Oct 2017 - Letter from NatWest admitting the debt is unenforceable but asking us to pay anyway. I'll guard this with my life!
Sept 2018 - Several statements of account have been sent since last up dated.
20/10/2018 - This is an interesting one. We have had 3 letters (in the same envelope) from Nat West, each with different account numbers on but no value, saying the same thing. They have passed the account/s to Westcot Credit Services Ltd. Nat West deemed this unenforceable and I think it's because they merged the two accounts when the DMP was set up (it was a current account and a loan) but we've always paid it on one account number. Haven't heard from Westcot yet.

24/12/2018 - Statement of account for NWB Loan Account but not for the other two accounts they claim we had (we can only remember the loan and the overdraft which they put into one account for the DMP).

03/05/2019 - Nat West have now assigned this debt to Robinson Way. Do we request copy agreements from them again?

10/10/2019 - This debt has now been passed to Moorcroft Debt Recovery. Had a letter from them requesting payment.

17/12/2019 - My husband checked his credit report to find that Moorcroft have credit checked him. Are they allowed to do this?
Last edited by unicorndeva; 17th December 2019, 18:12.

Di, I believe Nat West have assigned this to Moorcroft to work for NatWest rather than sold it to them. The total owed is a combination of overdraft and loan.[/QUOTE]



Is this debt still with NatWest or have they assigned it to a debt purchaser knowing it to be unenforceable (as they themselves admitted)?

Di

[The Tech Clerk]

yes Moorcroft as stated only hopeful collectors on commission

[unicorndeva]

Originally posted by unicorndeva View Post
Re: Start of my unenforceabilty journey

So here goes with all of our debts:

Owned by Natwest, managed by Wescot
Bank loan and overdraft (combined by creditor for the DMP)
Loan commenced in July 2007, overdraft bank account commenced in the 1980's
£18800 outstanding
Last full payment in 2010/11
Being paid on a DMP
Defaulted


CCA request sent end of Feb 2017. Wescot wrote back advising us to request it from Natwest direct.
New CCA request sent 15th May 2017

23rd Oct 2017 - Letter from NatWest admitting the debt is unenforceable but asking us to pay anyway. I'll guard this with my life!
Sept 2018 - Several statements of account have been sent since last up dated.
20/10/2018 - This is an interesting one. We have had 3 letters (in the same envelope) from Nat West, each with different account numbers on but no value, saying the same thing. They have passed the account/s to Westcot Credit Services Ltd. Nat West deemed this unenforceable and I think it's because they merged the two accounts when the DMP was set up (it was a current account and a loan) but we've always paid it on one account number. Haven't heard from Westcot yet.

24/12/2018 - Statement of account for NWB Loan Account but not for the other two accounts they claim we had (we can only remember the loan and the overdraft which they put into one account for the DMP).

03/05/2019 - Nat West have now assigned this debt to Robinson Way. Do we request copy agreements from them again?

10/10/2019 - This debt has now been passed to Moorcroft Debt Recovery. Had a letter from them requesting payment.

17/12/2019 - My husband checked his credit report to find that Moorcroft have credit checked him. Are they allowed to do this?
Last edited by unicorndeva; 17th December 2019, 18:12.

Di, I believe Nat West have assigned this to Moorcroft to work for NatWest rather than sold it to them. The total owed is a combination of overdraft and loan.[/QUOTE]

21st Feb 2020 - Letter from Moorcroft saying they are 'disappointed' that we haven't contacted them but would like to offer us a discount from our outstanding balance, although they don't say what that discount is. File with the rest of the stuff methinks!

[The Tech Clerk]

moorcroft are only collection agency acting for owners

[unicorndeva]

Originally posted by unicorndeva View Post
Re: Start of my unenforceabilty journey

So here goes with all of our debts:

Owned by Natwest, managed by Wescot
Bank loan and overdraft (combined by creditor for the DMP)
Loan commenced in July 2007, overdraft bank account commenced in the 1980's
£18800 outstanding
Last full payment in 2010/11
Being paid on a DMP
Defaulted


CCA request sent end of Feb 2017. Wescot wrote back advising us to request it from Natwest direct.
New CCA request sent 15th May 2017

23rd Oct 2017 - Letter from NatWest admitting the debt is unenforceable but asking us to pay anyway. I'll guard this with my life!
Sept 2018 - Several statements of account have been sent since last up dated.
20/10/2018 - This is an interesting one. We have had 3 letters (in the same envelope) from Nat West, each with different account numbers on but no value, saying the same thing. They have passed the account/s to Westcot Credit Services Ltd. Nat West deemed this unenforceable and I think it's because they merged the two accounts when the DMP was set up (it was a current account and a loan) but we've always paid it on one account number. Haven't heard from Westcot yet.

24/12/2018 - Statement of account for NWB Loan Account but not for the other two accounts they claim we had (we can only remember the loan and the overdraft which they put into one account for the DMP).[/QUOTE]

03/05/2019 - Nat West have now assigned this debt to Robinson Way. Do we request copy agreements from them again?

10/10/2019 - This debt has now been passed to Moorcroft Debt Recovery. Had a letter from them requesting payment.

17/12/2019 - My husband checked his credit report to find that Moorcroft have credit checked him. Are they allowed to do this?
Last edited by unicorndeva; 17th December 2019, 18:12.

Di, I believe Nat West have assigned this to Moorcroft to work for NatWest rather than sold it to them. The total owed is a combination of overdraft and loan.

[The Tech Clerk]

they can look at your file as their position in credit area

[Joanna Connolly Solicitors]

03/05/2019 - Nat West have now assigned this debt to Robinson Way. Do we request copy agreements from them again?

10/10/2019 - This debt has now been passed to Moorcroft Debt Recovery. Had a letter from them requesting payment.

17/12/2019 - My husband checked his credit report to find that Moorcroft have credit checked him. Are they allowed to do this?

Are they allowed to credit check us without our permission?[/QUOTE]


Can you clarify some things for me (ideally re-quote this debt's full history).

Is this a NatWest debt which is a combination/amalgamation of a loan and an overdraft?

Is the debt owner still NatWest?

There's a difference between 'assigning' a debt (outsourcing collection) to a Debt Collection Agency such as Westcot, Robinson Way and/or Moorcroft, and assigning a debt (as in sold) to a debt purchaser.

I've read back through your thread and can see that NatWest deemed the account(s) unenforceable.

Di

[nightwatch]

Yes they can and will, I take it this debt is in His name? They are checking to see if you are at that address and what other debt'd/ credit accounts you have.
This is in the hope you have very few debts and can afford to pay them.

[unicorndeva]

20/10/2018 - This is an interesting one. We have had 3 letters (in the same envelope) from Nat West, each with different account numbers on but no value, saying the same thing. They have passed the account/s to Westcot Credit Services Ltd. Nat West deemed this unenforceable and I think it's because they merged the two accounts when the DMP was set up (it was a current account and a loan) but we've always paid it on one account number. Haven't heard from Westcot yet.

24/12/2018 - Statement of account for NWB Loan Account but not for the other two accounts they claim we had (we can only remember the loan and the overdraft which they put into one account for the DMP).

03/05/2019 - Nat West have now assigned this debt to Robinson Way. Do we request copy agreements from them again?

10/10/2019 - This debt has now been passed to Moorcroft Debt Recovery. Had a letter from them requesting payment.

17/12/2019 - My husband checked his credit report to find that Moorcroft have credit checked him. Are they allowed to do this? [/QUOTE]

Are they allowed to credit check us without our permission?

[Joanna Connolly Solicitors]

03/05/2019 - Nat West have now assigned this debt to Robinson Way. Do we request copy agreements from them again?

I've only just seen your question.

Definitely do not send a new s77/78 CCA Request since NatWest have not complied with the request you sent them over two years ago.

And better still, you say they wrote to tell you the debt was unenforceable as a result

NatWest may eventually assign it to a debt purchaser but in the meantime there's nothing you need to do.

Di

[nightwatch]

Robinson way have been trying to collect a few of my accounts for years, I would miss their letters if I told them they are all either UE, SB or both.

must be costing them a fortune in man power ink and postage, I may reply one day, but not yet.

just wait while RW write to you, then post on here.

enjoy your weekend xx

[unicorndeva]

Is Robinson Way acting as a Debt Collection Agent for NatWest or has it been sold to a debt purchaser such as Hoist who use Robinson Way to collect their debts?

Di

Hi Di,

They say they have assigned the debt to Robinson Way for them to act as their new collection agent.

[Joanna Connolly Solicitors]

Is Robinson Way acting as a Debt Collection Agent for NatWest or has it been sold to a debt purchaser such as Hoist who use Robinson Way to collect their debts?

Di

[unicorndeva]

Re: Start of my unenforceabilty journey

So here goes with all of our debts:

Owned by Natwest, managed by Wescot
Bank loan and overdraft (combined by creditor for the DMP)
Loan commenced in July 2007, overdraft bank account commenced in the 1980's
£18800 outstanding
Last full payment in 2010/11
Being paid on a DMP
Defaulted


CCA request sent end of Feb 2017. Wescot wrote back advising us to request it from Natwest direct.
New CCA request sent 15th May 2017

23rd Oct 2017 - Letter from NatWest admitting the debt is unenforceable but asking us to pay anyway. I'll guard this with my life!
Sept 2018 - Several statements of account have been sent since last up dated.

20/10/2018 - This is an interesting one. We have had 3 letters (in the same envelope) from Nat West, each with different account numbers on but no value, saying the same thing. They have passed the account/s to Westcot Credit Services Ltd. Nat West deemed this unenforceable and I think it's because they merged the two accounts when the DMP was set up (it was a current account and a loan) but we've always paid it on one account number. Haven't heard from Westcot yet.

24/12/2018 - Statement of account for NWB Loan Account but not for the other two accounts they claim we had (we can only remember the loan and the overdraft which they put into one account for the DMP).[/QUOTE]

03/05/2019 - Nat West have now assigned this debt to Robinson Way. Do we request copy agreements from them again?

10/10/2019 - This debt has now been passed to Moorcroft Debt Recovery. Had a letter from them requesting payment.

17/12/2019 - My husband checked his credit report to find that Moorcroft have credit checked him. Are they allowed to do this?

[Roger]

In taking control of your debts background information may or may not be important but its wise to file (and make notes from other diaries with similar Cases)
We all have our files, including notes as we go along and find out more and more information (this helps Us make informed decisions!)

Finding out the Current Owner of a Debt is very important as well as dates and details of assignments etc..

Companies House info on

IDR Finance UK II Ltd

https://beta.companieshouse.gov.uk/c...99437/officers
You will see there three Link Companies as registered Officers.

The Financial Conduct Authority entry for

IDR Finance UK II Ltd

http://fca-consumer-credit-interim.f...w?accId=652521
Cancelled

08/06/2015 .
This information should be noted and filed carefully away as part of your filing! Time and date stamped!

Hence sending a SAR to your DMP Provider (will cover ALL of your debts with them and payments received, made etc.. PLUS communication between them and DCA's OL )
This is your right under GDPR. You do not need to send £10 (this was the fee before GDPR) .