Hello folks, Thank you for your quick replies. Im a bit shell shocked with the speed that the NatWest has acted. I have printed off a CPR letter from this site posted by looloo200 on 18 June 08 (sorry I can't paste the url as I havn't permission from this forum yet) Is it ok as it differs slightly from 42man's? Also what is a Subject Access Request? and do I send the CPR to Incasso? Many thanks

Hello all, I've just joined this site, which seems to be full of good advice. Please could you look at my problem and let me know what you think as I am a bit lost! This is my problem; Back in 1995 I was self employed and had two current account with NW, one for my business and a joint current, both overdrawn. I seriously injured my back and have not worked since 95, I am registered disabled. Since 95 I have been making payments off these accounts, as agreed with the bank. In Oct 96 the accounts were transferred to their debt recovery dept at Telford, and since then I have continued to make the agreed payments each month. Since Oct 96 I have paid a total of just over £2400 of the debt (no mean feat as I live off benefits of £130 a week). Anyway, in March this year they contacted me asking if I could afford to pay just £2900 to clear the debt (which they say stood at just under £8800) to which I said I could not afford and was told to carry on paying my normal monthly payment. Then last month they said they wanted to increase my monthly payment from £27 to £180, which I told them was impossible. On 14 June I get a letter from xxxxxx solicitors demanding payment of all £8736. I took advice from the National Debtline and posted off a request for my CCA and breakdown of the account, as advised. This Saturday I get a court claim (Northampton Bulk Centre) for £8751.55 plus £290 fees and costs. The reason I want the documents I requested is that back in Oct 95, I signed over to the bank a with profits endowment policy from Clerical Medical, which was about two years old (ten year policy). The bank manager said at the time that the bank would probably take on the policy until maturity in Jan 2004 when it would be worth £5109 plus profits. I have a bank copy of this policy transfer. Since then I have never had an explanation of what happened to the policy, and no money has ever gone into my account. I used to ask the local managers if they knew, but nothing. I have replied to the court ticking the 'I intend to defend part of this claim' and asking for 28 days. I have also included a letter to them letting them know of the current state of play, including the problem with the endowment policy. I have also written again to xxxxx asking for the info again and telling them about the endowment. What am I supposed to do now? How can I clarify what I owe in total if they cannot show what happened to the endowment? Sorry it's a long story but any advice would be very welcome