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Two debts (or more) with one bank? - Check this.


Let Them Knock
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An acquaintance of mine had three debts to NatWest (two overdrafts and a loan), She had a DMP in place, set up over six years ago.

 

She was making one monthly payment to those nice people at Moorcroft, who were the collection agency NatWest had instructed. (Yes, I do mean 'nice people' - read on).

 

When Fredrickson took over the collection process I noticed that the letter chasing the loan threatened Court action whilst the two about the overdrafts didn't. I wondered why.

 

It transpires that her payment was being allocated only to the loan account only whilst the overdrafts remained at the same level. I (she) got this info from Noddle (CallCredit) and a full check with the other CRAs confirmed it.

 

The result is that the two overdrafts have now become Statute Barred. Thank you very much you nice Moorcroft people.

 

So it may be worth checking - are you in a similar situation? Could a wrong allocation of payments mean you have Statute Barred debts (or maybe close to being SB)?

 

Worth a look? Go to www.noddle.co.uk/ - you may be lucky too.

 

If this advice is useful to you or you think it may be useful to others a reply/comment will keep it high in the list.

:wink:

Edited by Let Them Knock

Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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DMP?

 

hope its not a fee paying one.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DMP?

 

hope its not a fee paying one.

 

Thanks for your concern - definitely not.

 

dx

.

.

Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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