Unable to pay Natwest OD debt. Wescot

[sggraves]

Hi,

 

I am wondering if someone could help me with a current problem

I am stuck on and not sure how to respond to the debt company.

I will try and keep this short.

 

I am currently in a situation where I am out of work and now unable to pay my debts.

 

I work for an agency and am on one of these silly zero hour contracts

so my employer has no obligation to offer me work.

 

Over the last 12 month period I have had to take quite a lot of time off

work due to sickness with a lifelong medical condition I have and

my employer hasn’t been to impressed with this.

 

Becuase my employer is no longer offering me work I cannot pay my debt

at the moment until I find alternative employment,

I am also in the process of applying for job seekers allowance

in order to help me through this difficult time.

 

I have written to my creditor (Wescot) and explained in short my current situation.

 

They have now responded asking for proof of my medical condition.

 

My question really is are they allowed to ask for this

and if they aren’t how should I respond the letter.

 

I should also mention that I have been paying this debt off up to this month.

 

Thanks in advance.

[rebel11]

Hi sggraves

 

Welcome to CAG

 

Can you provide further details on the debt? i.e. who is the original creditor? when was the account opened? etc

 

I wouldn't be inclined to provide the information they are requesting.

 

The OFT's guide to Debt Collection:-

 

Debt Collection Guidance - Office of Fair Trading

[sggraves]

Hi,

 

The original debt was was for a Natwest bank account I had and opened in 2000.

 

I did have an over draft of around £1000 and

 

in 2006 I lost my job and dipped into the overdraft,

things for me then did get worse financially and Natwest managed to rack up about £1200

in various charges on my account.

 

Thanks

[rebel11]

Hi sggraves

 

The DCA should treat you sympathetically because of your illness / income. So don't let them bully you. You could try to make a 'Hardship Claim', send it to Nat West - I'm not sure how successful it will be.

 

Personalize the template:-

 

template letter to request bank charges if you are in fina

 

Two things need to be changed FSA needs to be replaced with FCA. Also remove the line at the very top.

 

Also you can send an Income and Expenditure form now or they will send you one once they receive your letter.

[dx100uk]

is this on your credit file?

 

if the debt is made of PENALTY charges

and that's mostly the content of the debt.

 

i'd question why you are paying this at all.

 

have NatWest sold the debt

or

are you paying wetcloths and your money is going onto NatWest?

 

if you don't know

 

i'd be sending NatWest an sar.

 

as i'd like to know where my money is going

if its not reducing the debt.

 

how did wetcloths spoof you into paying them?

 

on the phone or by threat-o-grams?

 

tell us the history please

 

dx

[fkofilee]

Oh balls... Do NOT provide them info on your medical condition, it should only be ordered by the courts...

[sggraves]

Hi,

 

Sorry for the late reply. This debt is a Natwest bank account and I defaulted on the account in June 2007 it is no longer showing on my credit report. Natwest sold the debt and I am now paying Wescot. When I lost my job back in 2006 didn’t know what to do and how I was going to deal with my bills and yes the lovely colourful letters these debt companies sent me did make me panic and worry so I just started paying the debt once I had found a new job. Do you still think a SAR request would be worth a shot?

 

Sean

[sggraves]

And is there any sort of template letter available telling Wescot that they are not allowed to request proof of my medical condition and basically tell them to get lost.

 

Ta J

[rebel11]

Hi sggraves

 

There isn't, just state that you've spoken to a consumer organization, you have been advised that DCA's have no

right to request such information as it is confidential, state that doctors don't release such information to DCA's.

It just needs to be short and succinct.

 

And is there any sort of template letter available telling Wescot that they are not allowed to request proof of my medical condition and basically tell them to get lost.

 

Ta J