Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» judge arrested (lawfully) by a cop (who's jailed). Outrageous
by handle Today at 6:52 am

» CCJ Delivered. I was unaware as i dont live at the address
by MEATBALL Today at 6:00 am

» More Apples
by assassin Today at 2:37 am

» Just a quick hello
by assassin Today at 1:50 am

» 24 Storey Tower on Fire in Kensington - dies
by Awoken2 Yesterday at 11:44 pm

» AI take over?
by chong Yesterday at 8:20 pm

» Reality chat with peter howard and company
by Society of the Spectacle Yesterday at 7:40 pm

» Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment
by Stevro Yesterday at 7:26 pm

» Bailiffs are a coming
by Jacko Yesterday at 7:19 pm

» Reclaiming cash value for loans ive paid off in the past
by urchinatheart Yesterday at 1:03 pm

» Lowell threatening me Again !!
by waylander62 Yesterday at 11:01 am

» Essex & Suffolk Water
by Sharpysparky Yesterday at 10:08 am

» Barclaycard Mercers Default Notices Are Invalid
by Kestrel Tue Oct 16, 2018 10:52 pm

» Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers
by Kestrel Tue Oct 16, 2018 8:17 pm

» Threatened bankruptcy proceedings
by ande Tue Oct 16, 2018 6:55 pm

» Keep up...
by chong Tue Oct 16, 2018 5:50 pm

» Hello all from new member, hoping to overcome the fear this time
by ande Tue Oct 16, 2018 5:47 pm

» Discovery, Bluffing and False and Misleading Conduct.
by handle Tue Oct 16, 2018 12:03 pm

» Drydens Fairfax
by Swan Tue Oct 16, 2018 9:49 am

» Notice Of Conditional Acceptance / Promissory Notes
by Ausk Tue Oct 16, 2018 8:17 am

» Ways of protecting assets from creditors
by Ausk Tue Oct 16, 2018 8:08 am

» Member of the old GET OUT OF DEBT FREE. So glad i found this site again
by Logan1989 Mon Oct 15, 2018 10:35 pm

» Did you have the money / use the credit?
by handle Mon Oct 15, 2018 8:20 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Oct 15, 2018 8:01 pm

» Beware of ancestry DNA websites
by jss64 Mon Oct 15, 2018 6:26 pm

» Dr. Graham Downing 5G and A.I talk
by ditchit Mon Oct 15, 2018 12:34 pm

» PoE
by ditchit Mon Oct 15, 2018 8:02 am

» Set Aside Application, Can Claimant Provide Proof Of Claim?
by Kestrel Mon Oct 15, 2018 7:00 am

» Is this what Greg Hallet was talking about?
by handle Sun Oct 14, 2018 10:38 pm

» old man tells joke
by handle Sun Oct 14, 2018 12:07 pm

» Anti nano tech
by chong Sun Oct 14, 2018 11:31 am

» Mediation Time. How to fire off your defence?
by onak Sun Oct 14, 2018 6:26 am

» FOS complaints and civil proceedings
by handle Sun Oct 14, 2018 5:27 am

» CCJ circa 2013 vs Santander, now Cabot/Mortimer Clarke chasing
by hughythomas Sun Oct 14, 2018 1:51 am

» Cabot help
by Benjisaurus Sat Oct 13, 2018 10:31 am

» Hello to all of you
by assassin Sat Oct 13, 2018 1:21 am

» Geopathic Stress, 5 G, Microwave Radiation Toxicity, Smart meters.
by daveiron Fri Oct 12, 2018 8:03 am

» Cabot- is there a realistic chance to fight them?
by handle Thu Oct 11, 2018 11:34 pm

» Distopian Future Documentarys,
by Society of the Spectacle Thu Oct 11, 2018 9:19 pm

» NIP - speeding with photo evidence
by daveiron Thu Oct 11, 2018 4:57 pm

» Latest Rich Planet vids Richard Hall
by daveiron Thu Oct 11, 2018 4:46 pm

» Hoist Portfolio/Howard Cohen – Letter of Claim ?
by barnwebb Wed Oct 10, 2018 8:23 pm

» Brown all CAPS window letter with "Defendant" visible!
by itheman Wed Oct 10, 2018 8:22 pm

» This Is Interesting
by pitano1 Wed Oct 10, 2018 10:17 am

» Hello all members of The Community
by assassin Wed Oct 10, 2018 1:40 am

» Raconteurs with extra special guest !!
by Lopsum Tue Oct 09, 2018 9:31 pm

» Hello, new here and preparing to fight the system.
by Jacko Tue Oct 09, 2018 4:07 pm

Moon phases


Natwest - Moorcroft and Wescot acting agents - All 3 letters sent... What now?

Go down

Natwest - Moorcroft and Wescot acting agents - All 3 letters sent... What now?

Post by jax_puddle on Wed Jan 24, 2018 9:01 pm

Evenin' all Smile

I have sent all 3 letters to Wescott as they are acting agents for a debt owed to Natwest.

After letter 2 I received a response:

"I note the contents and acknowledge you dispute you may owe any moneis relating to the above account.
The wording of your letter is taken from what has become a standard document freely available on the intenrnet which contains no legal standing in any points you raise.
Accordingly all points are refuted as having no basis in law or relevance to the issues in this matter. We will not enter into any claim for damages and any legal proceedings commenced will be defended by Wescot.
Any documents need to be requested directly from our client.
For a CCA request/copy agreement: this should be requested in writing to RBSG with a £1 cheque or postal order
For a copy statement or applications £10 6 years statements, £3 1 month statement, £1 copy application"

So as it didn't include any of the information that I asked for, I went ahead and sent letter 3 and then received this response:

"Following your recent request for a copt of the signed agreement and documentation, our client has requested you write to the following address and state in your covering letter that this is a section 77/78 request and enclose a £1 postal order or cheque."

So what should I do now? Send off for this or send an Estopell (whatever that is) or something else?

I have also done the same with a debt that Moorcroft are chasing (also for Natwest) their response has been this:

"...we refer you back to our previous response.
We believe our previous response confirms our position as an appointed agent on our client's behalf. We ask that you refer back to your originak terms and conditionsfor further clarification of the instruction of agencies such as ours.
You have also asked for verification of the position with regarding to the sums that are outstanding. We believe that the substational amounts of information will have been provided to you by way of statements during the lifetime of this account which will ave been sent to you direct from our client. Our records also show that a copt of the signed application for each of the three accounts this outstanding balance relates to was sent to you on 16th October 2017 to confirm your liability.
We hope the above explains matters. We can also confirm that we do remain instructed by our client and as such we will be required to continue to attempt contact to discuss affordable payment options. As such we have placed this account on hold for 14 days to await your update in this regard. We can also refer on any genuine liability questions to our client as explained once such details have also been supplied. If no contact is received within the 14 day hold period this account will become active again and further attempted contact will occur"

They replied to all three letters with this same information. After letter 1 they also added this extra paragraph in:

"We are always happy to attempt to deal with any genuine disputes or concerns but do often find that the kind of letters you are sending are simply following tactics suggested on internet sites and forums as means of debt avoidance and are not themselves intended to promote genuine or legitimate dialogue. If you do have any genuine liability questions that you require our client to review and address please provide specific details on your concerns. This request is made to ensure that our client can assist as efficiently as possible and continue to make a very informed decision about how they wish to proceed with this account.
For the avoidance of doubt we must state that we feel that the figures you purport to claim in relation to this matter are entirely without foundation and as such as wholly rejected. We feel that any tribunal, court or regulator would share our view that the insetion of such claims is unhelpful and unreasonable and as stated above reserve the right to draw attention to this in the event that it becomes necessary to do so. If you should pursue any claim for payment of your letter, such proceedings will be resisted vigorously".

So again, I've sent all three letters, had responses and now I'm not sure what I should do next?

Thanks in advance,

Jax Smile

P.S sorry for any typos, I've got a 2 year old in bed that sleeps like a newborn, I'm sure you'll work out any minor typos actually mean x

jax_puddle
Not so newb
Not so newb

Posts : 10
Join date : 2017-08-31

Back to top Go down

Re: Natwest - Moorcroft and Wescot acting agents - All 3 letters sent... What now?

Post by Tiggy on Thu Jan 25, 2018 12:21 pm

What's the original debt for ?

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: Natwest - Moorcroft and Wescot acting agents - All 3 letters sent... What now?

Post by jax_puddle on Thu Jan 25, 2018 4:02 pm

Hi Tiggy, The wescot one is a NatWest credit card £2339.15 and the moorcroft one is a Natwest overdraft and loan which they've lumped together into one £6436.36.

jax_puddle
Not so newb
Not so newb

Posts : 10
Join date : 2017-08-31

Back to top Go down

Re: Natwest - Moorcroft and Wescot acting agents - All 3 letters sent... What now?

Post by Tiggy on Thu Jan 25, 2018 6:53 pm

As they are the original creditors they are likely to have all the paperwork required to commence proceedings.

At the moment they are only with Wescot and Moorcroft who basically, return to NatWest once they don't get anywhere.

At some point NatWest will probably sell on, I'd be tempted to sit it out and see where it goes.

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: Natwest - Moorcroft and Wescot acting agents - All 3 letters sent... What now?

Post by jax_puddle on Wed Mar 21, 2018 9:27 pm

UPDATE:

Ok so as it stands now, the debt that was with Moorcroft (Natwest £6,500) has now gone to Wescot. They've sent me three letters which to be fair, I've just realised I've ignored them all. The last one that they sent me I received today and it says that they are offering me a reduced resettlement discount. What should I do with that?

The one that was with Wescot (Natwest £2300) has now gone to Robinson Way. Natwest wrote to me about this at the beginning of the month and I'm just waiting to hear from Robinson Way now. Should I do the three letters with them when they get in touch, ignore them or something else?

I got confused with the whole Wescot thing because I'm ignoring them about an £80 EON debt that I was paying BCW for but they just stopped taking payment for and I didn't know why until I started being chased by Wescot for it all of a sudden.

*Shakes head at my finances*

Hope you're well Smile


jax_puddle
Not so newb
Not so newb

Posts : 10
Join date : 2017-08-31

Back to top Go down

Re: Natwest - Moorcroft and Wescot acting agents - All 3 letters sent... What now?

Post by Sponsored content


Sponsored content


Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum