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HI guys I received a letter from Natwest stating that they have been trying to contact me for outstanding debts that I did not know about (they have not), they have now passed it onto Experto who will be contacting me. They have supplied no details so I do not know what this pertains to, so should I phone Natwest directly, or should I wait for Experto to contact me? I have now for the first time in years applied for my credit file to see if anything has been put on there. IN the past I would have ignored these letters, but this forum really has helped me to be proactive. Thank you in advance.