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Natwest taking court action without a default notice

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Help Please


My girlfriend has been on a reduced payment plan with Natwest which gets re-assessed every 6 months. She has paid into the plan now for about 18 months or so never missing or paying late.


Out of the blue about 2 weeks ago she received a letter from Irwell Mitchell Solicitors demanding repayment in full on behalf of Natwest or else court action may be taken. She replied promptly to the letter explaining that she was on a payment plan as agreed with Natwest.


No correspondence arrived back other than a court claim form which arrived on Thursday.


The debt is made up of a personal loan and current account overdraft. The loan is approx £6000 and the overdraft £3000.


All of her other creditors have frozen interest and charges.


Looking a the court claim form it is evident that Natwest have lumped the personal loan and current account overdraft together along with interest and charges (unknown detail).


Having checked her credit rating on Experian we discovered that Natwest have only registered a default on her overdraft but there is no default on the loan.


From reading the Forum, does this mean that they cannot take her to court? Also should we contest the debt and send a demand for information held on her

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