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rintyrad

natwest overdraft debt

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Very rare if at all.... Nat West assign debts...they litigate themselves and usually involve Shoosmiths


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i'm just wondering if you can offer me advice. so the account defaulted in early 2016 but since the middle of july 2017 there has been no account activity(most places i have had a default previously mark this every month) as in they dont mark my account with anything anymore just wondering what you think it actually means from there end?

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Possibly transferred to Collections (Telford) and is now a Router account with new account number.


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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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If that's the case what would that mean for me?

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Im not sure...its just a possible suggestion to your post #27 and lack of default reporting.


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Just a general enquiry with this. When does an overdraft become stat barred, i assume it's different to when you last made a payment stat barred issues because it's an overdraft?

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Once the demand notice has been served and expired...14 days...... Notice served under Sections 76(1) and 98(1) of the CCA1974.

 

You may find the following thread of interest.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?450303-Removal-of-a-default-notice-applied-by-HSBC/page2

 

Andy


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What would a potential lender see with the attached?

natwest.PNG

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They can't see the calendar at all unless they are the owner

Just the summary stuff like defaulted date..status etc


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If i offered a settlement to somebody and they rejected it - does this count as acknowleding the debt - or is it if you just made a payment towards the debt

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In principle, an offer could amount to an acknowledgement of the debt.

You really should lay out the whole story here


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i have a defaulted current account of 38xx.xx with natwest. they dont report it on my credit file each month anymore but it is defaulted. it defaulted feb 2016.

 

i phoned up to see who held the debt and offered 1200 full and final settlement over the phone, the person on the phone said they would fill in a form for me and send it off. they rejected the f and f

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is this your Natwest overdraft debt?

 

who are 'they'? you phoned?

 

 


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Yes and they are natwest

And when I say they don’t report it it isn’t on my credit file they just don’t report it monthly 

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yes same value..so threads merged for complete history so as to not make a mockery or repeat advice already given to you by someone

 

 


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Hi so nobody actually replied once the threads were merged.

 

has what I have done reset the stat barred clock?

 

for the record they said the reason they rejected the offer was because they wanted to know what my monthly outgoings were where I’d got the money and why I couldn’t pay back a monthly amount.

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If you have offered an amount as F&F - It could have reset the SB Clock as its an offer of payment. Did you send it in writing? 

Its none of their business where the money came from - And also none of their business why you cant pay back a monthly amount... 

They are not legally entitled to your I&E fulls top.. A Judge can only order that and even then they are not allowed to see it. A judge would order an amount based upon HRH assessment. 

 

 

Why an earth these companies think they are so high and almighty I will never know. 

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i just did it over the phone?

 

well they said they would reconsider if i filled out one of those things proving why i can't afford to pay a monthly payment back and asked where i go t the money from.

 

Should i do it, do we think?

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NO you shouldnt - If you do a F+F - You include a clause to remove the debt from all 3 CRAs otherwise it is a pointless exercise :) 

Think about it - The debt would still remain 6 years from default. Status would just be updated... Thats no good to any lender as it still shows the debt defaulted. 

 

How much is the amount outstanding?

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3950 i think it is - and it is still with Natwest they are the ones i called

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Ride it out...only another 3 years to SB....I assume no payments have been made since Feb 2016 ?

 

If a debt has not been assigned after 3 years ...its unlikely to ever be.

 

Acknowledgment of debt is either by making a payment or written acknowledgment.

 

Andy


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Ok so as I phoned up and made the offer it’s still stat barred.

 

only reason I made the offer in the first place was I’m going to apply for a mortgage next year and thought it might look better if the balance was settled 

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