Natwest Default

[Chells]

Hi,

 

Thought i would post here to make sure i'm not going to do anything in error.

 

Ive recently put myself in a better position financially so i thought it was about time to fix past mistakes.

 

During a rough part of my life i defaulted on my overdraft and credit card which ive been running from for a couple of years.

 

i got my credit report and it states on it the amounts.

 

£2000 for the bank & £1000 for the Credit Card, i have the funds to pay both of these off in full.

 

Now here is my concern, i've contacted Natwest and have the contact details for both offices to write a letter explaining that i'm able to pay both balances off in full.

 

Is this the correct thing to do? or is there a procedure i take first?

 

Any help is appreciated.

 

Chris.

[dx100uk]

are these on your credit file

and what are the default dates

[Bazooka Boo]

And how much of the total outstanding is the banks reclaimable charges..?

[Chells]

Hi,

 

yes they're on my credit file, the default dates are 2011 for Credit Card & 2013 for the Current account.

[Chells]

from what i remember the Card was at around £800 and the current account at 1700, so i would say about 400/500 between the 2 although this is a guess.

[Bazooka Boo]

I would want a full breakdown of how they have arrived at the figures they claim are owed.

 

You could try asking them for this info, or send them a SAR (£10) and they will provide all of the details surrounding the accounts.

 

Then you can see what charges you can reclaim and then you can make your offer to settle, although if they become a pain in the rear

you should mae them a lower offer.

[Chells]

Hi,

 

Okay i got a letter back from Natwest asking for a a signed authority as i didnt sign the SAR request,

they also need me to send accepetded proof of address & identity.

 

 

This would be photocopy of either Driving licence/passport

/ for proof of identity and caouncil tax bill / utility bill / mortgage statement / bank statement.

 

Should i send this to them? is this standard procedure?

 

Any help would be great.

 

Thanks

[Bazooka Boo]

ALWAYS sign a SAR else this is the result.

 

You can either respond as they have requested, OR, more preferably,

inform them that you will be happy to go into your local branch and provide them with this evidence.

 

It is standard procedure for SAR if you don't sign the request yes.

[dx100uk]

you should always sign the sar and if you have moved list your old addresses

and inc you current ctax bill

 

 

dx