Wetcloths chasing Natwest acccont fees debt from 2005

[BRIGADIER2JCS]

Hi Brigadier

 

Just a gentle nudge to ask you for help in what to write and to who.

 

Regards

 

Rav

On it later this afternoon Rav.

Soona I get home.

[BRIGADIER2JCS]

OK Rav,

This goes to the Director of Retail Banking

NatWest

AND the Compliance Manager

Westcot

 

FORMAL COMPLAINT.

 

Sir/Madam,

 

I refer to NatWest Account number and the disputed debt for £ xxxx .xx now in the hands of Wescot Credit Services, please take not I do not acknowledge any debt to Wescot Credit Services or NatWest Bank.

 

I have stated that this alleged debt is STATUTE BARRED and that I will NOT be making any payment in regard to this matter, the reason for this statement is that during the six year period from xx xx xxxx to zz zz zzzz I did not make any payment or UNEQUIVOCAL WRITTEN ACKNOWLEDGMENT OF THE ALLEGED DEBT.

 

The only communication made in regard to this matter was made verbally in NatWests branch xxxxxxxxx, therefore in not an admission of liability as set out in the OFT Guidance on Debt Collection 2003 updated 2012 which states that an admission of liability must be unequivocal and in writing.

 

For clarification this matter is statute barred and I will not be making payment.

 

This is my final response,

 

Recorded delivery to both parties.

[Rav1531]

[ATTACH=CONFIG]45693[/ATTACH]

 

Sorry for the very long delay to replying. After several more letters from Westcot (ignored) then a letter from Natwest saying they had passed my details to another DCA (Robinson Way), I decided to email Natwest CEO directly last week.

 

Received this letter today with an enclosed cheque for £109.41. They still hadn't got the facts straight, I'm still massively annoyed with them, but really have had enough so will leave it now, life's too short.

 

Thankyou very much for the help and advise.

 

For anyone else who may be in a similar situation, don't give up.

Edited August 9, 2013 by Rav1531

[citizenB]

If the outcome clears any adverse recording on your credit files and calls off the Rottweiler's then I think you have at least achieved something.

 

Although if this were me, I would indeed be making a complaint to the Financial Ombudsman.

[Rav1531]

Upon reflection, I really wasn't happy with no apology, compensation or interest offered. So, I wrote a further email requesting them.

 

I received this letter today, offering only interest of £70.05 and the original balance of £109.46.

 

They have written off the alleged debt, and say they have removed the adverse information on my credit file.

 

Good result? Or should I push further? They say this letter is their final response.

 

Thanks

[BRIGADIER2JCS]

Yes a reasonable result!!

[Rav1531]

Received this letter today, not heard from Triton before.

[dx100uk]

triton are the internal nw dca

 

dx

[renegadeimp]

Nice spelling mistakes in that letter. Very professional.