Hi I had a Nat West Business account with overdraft until 2012 when they decided to close it, without even trying to negotiate a repayment plan, last couple of years for been tough with work and health issues but I was just beginning to get back on my feet. I have never signed a overdraft renewal agreement with them, they just kept renewing the overdraft. I have had thousands of pounds worth of charges taken. Today I have received the attached letter in the post from a company I have never heard of requesting that I make contact to discuss the overdraft, referring to a recent letter I should have received from Nat West ( never received any letter last communication was April13). Not sure what to do, would appreciate some help. I did post this on another thread but I have had no replies, so I am hoping I will get more help here. Confused49

Help, not sure if I posted this in the correct forum could some body let me know as I am not sure what to do thankyou

Hi I had a Nat West Business account with overdraft until 2012 when they decided to close it, without even trying to negotiate a repayment plan, last couple of years for been tough with work and health issues but I was just beginning to get back on my feet. I have never signed a overdraft renewal agreement with them, they just kept renewing the overdraft. I have had thousands of pounds worth of charges taken. Today I have received the attached letter in the post from a company I have never heard of requesting that I make contact to discuss the overdraft, referring to a recent letter I should have received from Nat West ( never received any letter last communication was April13). Not sure what to do, would appreciate some help. Confused49

Hi Ok thank you

Hi Hopefully done it right this time

Hi Not posted for a while as things being very quiet, I have received this letter should I just ignore it as they still haven't come up with the agreement

ok thank you

Hi Where on the forum would I find the failure to comply letter Thankyou

Hi I sent CCA request off, got letter back from capquest on 17th sept advising receipt of my letter and that they requesting a copy of the documentation requested from Lloyds Bank and enclosed a copy of the letter of assignment. I have not received anything since this letter and was wondering if I needed to follow up with another letter or just wait to see if anything arrives!

Hi Been along time since I replied but it has been very maniac trying to sort things out and get done but I have finally gone bankrupt and waiting now for the official receivers interview, will keep you posted. thank you

will do thank you.

thank you, will keep you posted. you have really helped me.

just that others tenants have gone bankrupt and family are now worried the LL will do everything to stop me.

thank you and I will take a look at the link, was just worried as land lord wanted to see me tomorrow and has already asked for the arrears to be paid in full without delay, but I have not mentioned that I was thinking of bankruptcy, just wanted to go and do it without them knowing.

Ive been to citizen advice got my forms had help to fill them just need to make the appointment on Monday to go to court with papers

Thank you for getting back to me, i thought they couldn't do it without first going to court, if she has already gone to court and they are in the process of sending me the papers can this stop me from going bankrupt or is there anything she can do to block me your views are much appreciated

Hi I have a business lease and I am in arrears a considerable amount of money, I am looking to go bankrupt, but before I go can my landlord get the bailiffs in without notifying me they are coming or go to court and stop me from going bankrupt. help I am end of my tether please help. :???:

Thank you I will gladly do so:-D

thank you I will take a look, this account has been in dispute for the last 5yrs I have been passed around numerous debt collection agencies including at one time capquest before being passed onto another and then back to Lloyds again. Lloyds finally sold the account to Capquest and here we are now. I am going to send a cca request tomorrow but I think I am too late to stop the doorstop caller though as the time scale they gave me to reply very cunning on their part.

not sure as I haven't checked credit file for a while.

Thank you for getting back to me, should I send a new CCA request to them and state at the bottom of the letter that I do not wish for a doorstop caller

need help have had 4 letters from capquest got this one today, threatening door stop call id I do not pay up and the man from scotcall will itemise what I have to cover the debt is I don't pay up. this account has been passed around about 7 different collection agencies and everytime it was passed back to Lloyds I have attached a copy of the letter and would be grateful if somebody could look at it for and advise me what to do I was going to send a cca request but not sure