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Moon phases


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

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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
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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
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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
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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.

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

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