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Hi there, this is my first post as only just joined. My husband received a phone call from Capquest this morning asking him to confirm his postcode and d.o.b, which he refused as he didn't know who they were, and they told him they had sent him a letter, but wouldn't tell him any details! The letter arrived in the post about an hour later! The letter stated that NatWest wish him to pay a debt owed to them of over £60,000 and that he should contact Capquest to avoid litigation. There is an ancient debt with NatWest as a result of a partnership, dissolved in 1991, which the remaining 2 partners carried on the business, and then it collapsed leaving an overdraft of around £20k. My husband ended up carrying the can for the whole debt (being severally and jointly liable apparently) and it was agreed in court that he would pay £50 a month. This was in 1996. There was 1 attempt in 1997 to increase payments and he has heard nothing more in the intervening years. The ironic thing is they wouldn't give him any more information on the phone because his date of birth didn't match their records (but his name, current address and previous address did!) He was then accused of failing to co-operate when he refused to send proof of his date of birth! (how that would help when they obviously have it wrong is anyone's guess!) Any thoughts on how best to proceed with this one? Do business overdrafts come under the CCA? Would this come under data protection if they are sending letters to people without confirming their identity first?? Thanks Sarah
Hi, Not sure whether to post this here or in the business bank account forum, so apologies if it's in the wrong place! (There is a related thread in the Debt forums: http://www.consumeractiongroup.co.uk/forum/showthread.php?304533-Natwest-Capquest-old-debt-being-chased%281-Viewing%29-nbsp) My husband was in a partnership in the early 90s, and the business had a bank account with Natwest. My husband and 1 other partner left the business, with the 2 remaining partners carrying on trading under the same name. The business subsequently failed. To cut a very long story short, the 2 remaining partners went bankrupt, the other ex-partner "made some sort of agreement" with the bank, and my husband copped the whole lot, resulting in a court order, which he has paid every month since. Last saturday he received a letter from a DCA demanding repayment of the whole amount. He phoned them, but they had a different DOB so they wouldn't give anymore details. We have written back telling them it is subject to a court order so there is nothing they can do. However, this evening we have discovered the other ex-partner died in September......this timing can't be a co-incidence. Just wondering if anyone else has had a similar experience, and if so, what you did. Sorry that's a bit waffly! Sarah