Received this letter today, not heard from Triton before.

Upon reflection, I really wasn't happy with no apology, compensation or interest offered. So, I wrote a further email requesting them. I received this letter today, offering only interest of £70.05 and the original balance of £109.46. They have written off the alleged debt, and say they have removed the adverse information on my credit file. Good result? Or should I push further? They say this letter is their final response. Thanks

[ATTACH=CONFIG]45693[/ATTACH] Sorry for the very long delay to replying. After several more letters from Westcot (ignored) then a letter from Natwest saying they had passed my details to another DCA (Robinson Way), I decided to email Natwest CEO directly last week. Received this letter today with an enclosed cheque for £109.41. They still hadn't got the facts straight, I'm still massively annoyed with them, but really have had enough so will leave it now, life's too short. Thankyou very much for the help and advise. For anyone else who may be in a similar situation, don't give up.

Hi Brigadier Just a gentle nudge to ask you for help in what to write and to who. Regards Rav

Hi Brigadier I dispute the debt because I feel I owe them nothing. If you read my OP I hope it will explain what happened. Do you mean a formal complaint to Natwest now? Please could you advise what to write and to who? Apologies for leaning on you, but I have never dealt with anything like this before. Thankyou for your time.

I have never written to Natwest. I visited the local branch 3 times late 2010 to complain, as laid out in my OP. The 'dispute' letter was their response to my visits. I can't remember if they made me sign anything whilst I visited the local branch, I was pretty angry and upset at the time. But I have definitely never written to them (Natwest). The 'dispute' letter from them is linked in my post #9 of this thread.

Now sorted in post.

Received this letter today, which is almost an exact copy of the letter received 16.3.2013 shown in post #25. Seem to be going nowhere

Letter sent yesterday 18 Mar 2013 recorded delivery. [ATTACH=CONFIG]42581[/ATTACH]

Thankyou, will post this on Monday regards Rav

Hi Brigadier2jcs I added some things to your suggestion: The Compliance Manager Wescot Credit Services Ltd. Without Prejudice Remove this very dangerous means you could not if necessary use the letter in court. Reference: DM/65934051 Sir/Madam, I am in receipt of a letter from Wescot dated 13 March 2013 in which Wescot dispute the statutebarred status of an alleged debt to Nat West. Please note I do not accept,acknowledge or admit any liability for the disputed account. The claim has been made that a ''dispute'' was raised in 2010 regarding this account and it istherefore NOT statute barred, having taken advice on this matter I have concluded that the assumption that the account is not statute barred is flawed and without merit for the following reasons: The OFT statesthat an ''acknowledgment is an unequivocal written admission that a liability still subsists''. No such admission in writing has been made, also letters from a creditor asking/demanding payment are not considered relevant contact or claim. Therefore I consider the debt is statute barred and I will not make payment. Further, in my letter to Wescot dated 9 Jan 2013 I wrote: Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”. I await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter. Final Response. Yours faithfully Is this ok? thanks for your time and advice. Regards Rav

Hi Dx I've never had to deal with anything like this before. Without going into detail, due to events in my last years in the Army I have mental problems and find it difficult to not get stressed about this. I do appreciate your help, but responses like "wise up time..." really aren't helpful. I'm sure I'm not the only person that gets stressed about things like this. Regards Rav

Just realised in my letter posted 9 Jan 2013 to Wescot (see post 15, attached) I wrote "Unless you can provide evidence of payment or written contact from me in the relevant period....etc" So shouldn't they have produced evidence?

Hi Dx The last thing I was doing was questioning Brigadier2cjs replies. Just quite stressed about all this, I really can't see how this has happened to me, or why they can't see sense. Regards Rav

Hi Dx100uk Do you concur with Brigadier2cjs then? Surely Natwest (especially) and Westcot know all this. So why would Natwest say it's not statute barred? They have me doubting myself now, if they got me to sign 'something' in branch. I honestly can't remember doing anything like that but I was angry and stressed at the time. I do recall strongly arguing I felt I owed nothing, and they owed me money ( see original post) I know for sure I have never written to Natwest at any time. I was hoping this would be settled by now, find it really quite stressful. Thankyou both for your time and replies. Regards Rav

Yes, I posted it earlier in the thread. Post 9. My original post explains history of what happened. I have never written to Natwest, I went into the local branch 2-3 times on or around Oct 2010 to try to dispute this, the letter in post 9 was their response to me after their 'investigation'. Read my original post to understand what happened.

Apologies, hadn't converted to a pdf file. [ATTACH=CONFIG]42520[/ATTACH]

Received this today from Wescot. It appears to go against the advice given here previously. Quite stressed about this. Please advise. Thanks in advance. File uploaded incorrectly. see next post.

Yeah was thinking the same. Do you think they WILL actually get in touch with Natwest? I got nowhere with Natwest when I tried to sort this before. It's Natwest attitude that I'm most worried about, still I do need to get this sorted so thanks again for your input.

Received this letter today from Wescot. They seem to have ignored what I wrote in my letter, as attached on previous reply.

hi dx I meant aggressive with their timescale. Hopefully I'll get a reply to my letter next week. Once again, thanks for your help and replies in this matter Rav

Update: as of 12/1/2013 I wrote to Wescot, thinking to get them off my back first. Sent the letter Recorded Delivery 9/1/2013. Haven't written to Natwest yet. Received this letter from Wescot today, they do seem extremely aggressive. I guess I need to wait for their response to my letter.

Just writing the letters now should I add my present address at the start? And how should I end the letter? ie name, signature? Sorry for the noob questions, I have never done anything like this before Thanks in advance for your help

Thanks very much for your help. Much appreciated.

Thanks for the replies So, what is the consensus? Should I write to Wescot or Natwest? Or both? Rav