After getting a letter from a dca for an outstanding Nat West debt

I sent a cca which they have said must be sent to RBS directly,

should I do this or avoid contact

the debt is around 8 years old possibly more and been paid through a dmp since 2006

the balance has increased by around 1200 pounds which was my Nat West overdraft strangely enough.

What should my next move be do I contact them with a SAR then cca or just leave it alone.

There is nothing about this on my credit file

I have an SAR IN with the dmc and am waiting a reply to see where my money has been going

Thanks for reading

If the DCA is only acting on behalf of the bank, just ignore them. Completely. Deal with the bank direct for a SAR.

Also, i hope you arent using a fee paying DMP.

I was but I have seen the error of my ways

So would you recommend I SAR the bank then cca request?

I also wondered if my debt management payments were always going to a dca does that mean I haven't paid the creditor?

And if thats correct would the debt be statute barred

since I've had no contact from the bank and have paid the dca rather than the creditor

Thanks

PLease help with the following info.

Name of Original Creditor

Have you received a Notice Of Assignment?

Who OWNS THE DEBT Currently?

Rough Amount

Date of LAST PAYMENT received by the owner of the debt (And previous owner) and any letter acknowledging the debt

TYPE of debt? Eg credit card, Over draft, Loan, Catalogue, Phone Bill

ANY PPI or other insurances?

Any overlimit or late fees IF this is not an overdraft or current account

National Westminster bank

I don't know what a notice of assignment is sorry

Experto credite are collecting for RBS as my cca letter told me to contact RBS

13,500 owed which never seems to go down

I have been paying money village(spectrum) through dmp and have sent sra request to see payment detai

ls they have been paid this way for 8 years at least never direct to RBS/NAT WEST always to a dca

Notice of assignment = a letter from the creditor and/or the debt collection agency stating that the account has been sold or assigned for collection to them.

SAR to NW now.

Thanks for the reply I've had nothing Luke that in fact no contact from creditors,DCA or dmc for about 7 years until last month

What type of account is this, current/current with OD/loan/Credit card.?

When was the last payment and/or written acknowledgment made?

I'm fairly sure it was a loan never had anything in writing from the creditor and only from dca last month payment made every month through dmc to the dca and I only had one letter off them saying they have received payment and that was last month

Have you had any statements (at least one a year)?

Do you know how much was originally owed and what has been paid off?

Is this a paid for DMC?

Not until last month original amount has gone up but I suspect they added my overdraft to the loan but I don't know this for sure the amount owed has never got smaller I'm hoping the SAR will show what's gone on,it was paid for but not anymore

Which debt management outfit are you using?

The SAR is essential.

I was with spectrum that sold me an alleged IVA which was a dmp then last month I was told I was now with money village

Emm I know they state no initial fees, but I wonder what they siphon off from each payment.

Did MV get interest and charges stopped?

Oh there were fees about 1500 quid I have no idea what happened with internet etc,I got divorced and moved and didn't hear a thing for 7 years

Interest even all paper work is long gone unfortunately

1500 quid and you have done it all yourself or through a free DMC.

I would SAR MW as well I think you have paid much more in fees than you have paid off the debt!

I have definitely SAR has already gone to MV one to RBS on Monday

Excellent Terry,

I hope we can help you sort this out!

Have a good weekend!

Many thanks and the same to you

I got a reply to my SAR today,

it tells me they cannot locate the information I asked for and requests further information about the accounts previously held with the bank,

this can include:

Sort codes

Account numbers

Account types

Relevant opening and closing dates

Previous names

Full address history

Date of birth

Other RBS group brands you may hold accounts with

This seemed a bit vague then I realised I used the expert credite reference instead of the Nat West account number

Hi there

I have received two letters from Wescot

one wants me to phone them to confirm my address

and the others wants payment of a old bar west loan

can anyone recommend what I should do regarding these please.

I had been paying through debt management from 2004 until a few years ago

then paying a different DCA directly but they started returning my payments.

Thanks in advance

when did you stop paying debt management

who was the DMP with

and have you sent everyone you are blindly paying a CCA request?

what is a bar west loan ??

a dca is not a bailiff

and have

no such legal powers at all.

I smell a cash cow here

more details needed

is one re this

http://www.consumeractiongroup.co.uk/forum/showthread.php?430880-Nat-West-Debt