RBS 'Forgotten' Overdraft - wescot chasing - Help please!

[SweetRevenge]

Hi Guys,

 

The last couple of years have been horrendous from a debt point of view.

I am out of work again and my family doesn't make enough to pay bills

and buy food so you can guess how stressful this is.

 

Two years ago we moved to lower our housing costs.

 

At about the same time "Egg money Manager" ceased and became part of Yorkshire ??? BS.,

so my instant access to bank accounts etc. was wiped away

- i tried reconnecting but couldn't.

 

Through regular charges applied to the account it was taken through the limit and the charges were ramped up again.

I had no paper statements coming in, but some forwarded letters from my old address told me they wanted their money back.

 

Head in sand never a good strategy I know, but depression and fighting to survive on all fronts meant I took no action.

 

About a month ago got a letter from Westcott (didn't connect the issue at first) asking me to contact them urgently.

 

I rang and confirmed i was said person and asked what it was about.

They referred to the RBS overdraft.

I didn't acknowledge but said I wanted to contact the bank to verify/get further information.

 

Westcott have bombarded me with at least one automated telephone call per day since asking me to contact them.

Eventually I spoke to them and asked them not to keep waking my poor husband up in the mornings as he works nights.

They have put 'harassing' me on hold for a couple of weeks while I contact the bank.

 

It used to be the case that they had to produce a credit agreement but I don't know if this is still correct?

 

I know they couldn't produce one for my husband back in 2009/10

and my account was a lot older than that so they are unlikely to be able to.

 

Is it worth a try to get them off my back - I certainly can't afford to pay them anything back.

 

Grateful for any guidance

 

Sweet

[BRIGADIER2JCS]

Hi, Is this a current account, with or without an overdraft? If so there is no CCA for this.

[dx100uk]

why are talking to a no powers DCA

 

never ever phone a DCA

 

is this on your credit file?

 

 

 

dx

[BRIGADIER2JCS]

I agree stay off the phone keep a contact in writing only.

 

 

You need to check your credit reference files asap, Equifax and Experian have 30 day free trials, Noddle (Call Credit ) is Free but not always up to date.

 

 

When was the account last used, do you know the default date? If not the CRA files will help.

[SweetRevenge]

Ok thank you, I will stop talking to them on the phone. It was a current account with an overdraft facility. I will check the default date and update here.

 

thanks for the advice so far,

Sweet