Hi Please can someone help, I see from this thread -> http://forums.all-about-debt.co.uk/s...omeone-help-me you have had a similar problem, I have recently claimed PPI back from Nat-west, it was upheld and payment was due to be paid to me, I received a text yesterday saying it had been paid into my current account, it hadn't. After several calls to the PPI team and a visit to the local branch it seems they have paid it against a debt I supposedly owe of over £2000. account was closed on their system on 15.01.2009, I paid the account off in full in 2007 and have never used it since. they say I owe this money but can not tell me why. I have discussed with the adviser in branch and with them by phone that I do not owe anything and I would like some kind of proof of this supposed debt, they cant supply as they don't hold records of closed accounts?? yet they can tell me I owe them money. I pointed out that they have made no effort to contact me, I am on the electoral roll and have been at my current address since 2008. they have made no application for a CCJ or indeed added anything to my completely clear credit report. even by their dates it makes it older than 6 years is that not statute barred anyway, regardless of whether I owe anything or not?? I have made a formal complaint, they explained it may just be an error and they will get back to me within 5 working days ( not holding my breath) the adviser actually agreed older than 6 years was unenforceable whether I owe or not and its probably a mistake. they also agreed I had not used the account since 2007 and that i may have mistakenly thought it was closed, he mention interest accruing which makes me think I may be in the same coat as Cookie was. I do not know what to do for the best, they have £750 of my PPI money and are now saying I owe then nearly £1400 too. please help.
Thanks Billy
*** ADMIN EDIT TO SPLIT THREAD INTO ITS OWN THREAD WITH LINK TO ORIGINAL THREAD REGARDS NATWEST ***
Thanks Billy
*** ADMIN EDIT TO SPLIT THREAD INTO ITS OWN THREAD WITH LINK TO ORIGINAL THREAD REGARDS NATWEST ***
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