Jump to content


  • Tweets

  • Posts

    • Your best route is through the compaints team for non-barclays customers.  The link is here: https://www.barclays.co.uk/help/contact-us/complaints/Non-Barclays-customer/   It has the details for all of their contact methods - no email address though.        
    • No need to reply to their letter, nothing is going to happen very quickly here, just keep an eye out for anything else they might send. HMRC are weird like that, you might not receive another reminder letter for a week or a year, who knows. At the moment don't speak to anybody by phone, they are like a cheap box of chocolates at the call centre, mostly nasty but occasionally you find a really nice one. Not worth the risk!   Once you receive the SAR you will probably be able to see if it looks right, what they have down as your earnings, have a good look through, and see if you have grounds to appeal. For example if they had you down at £40k per year income in 2008, and I wouldn't be surprised.    Run anything else you receive from them past this thread.
    • Direction Hearings are not really the place to request that kind of Order and of course any Order must be backed up by an application and statement as to why you seek the order.   Bide your time I would assume his tether is now running short....and any further none compliance will signify the end is nigh for this claimant. 
    • Supplemental Witness statements must be filed and served not less than 3 days pre hearing.   Andy
    • Thanks, Boris. I want Barclays to stop sending me e-mails which are obviously meant for someone else (I have never had an account with them). I have repeatedly reported this to their security department but they say they cannot communicate with Barclays to put a stop to this.They state that their calls centres have long waits. I found an e-mail for CEO of customer services, but it doesn't work.
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

NatWest Loan being collected by Wescot DCA from 2013


Please note that this topic has not had any new posts for the last 986 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

Looking for some advice if possible

 

My partner and i recently went through the process of trying to get a mortgage. After providing all our financial details to the Mortgage advisor his view was we would only qualify for a Mortgage with a high risk lender such as Kensington which I will not entertain. Reasons are:

 

- My partner is in a debt management plan with Step Change, any reputable lender will be put off by this.

- All but one of the debts in the plan are over 6 years old so do not show on her credit file

- The only debt that is less than 6 years happens to be the largest a £7.8k balance from an old Nat West loan now owned by Wescot

- this debt is due to go over 6 years in January and then fall off my partners credit file.

 

The advisor suggested a couple of options. i) Pay the £7.8k balance off and stop paying Stepchange then reapply with 3 months clear bank statements not showing any payments to Stepchange. ii) pay nothing and wait until January, then reapply for a mortgage and deal with debt after the mortgage is in place.

 

Obviously paying the debt off impacts our deposit. My partner has written to Wescot for a reduced settlement and they rejected this.

She's resigned to paying the full amount, however i wanted to check on here if anyone has any advice on how we could reduce or prolong the process? There is no PPI on the original loan or anything. Just looking for some help!

 

thanks

Link to post
Share on other sites

Wescot do not buy debts..they are acting on behalf of Natwest for collection purposes only.

 

What debts are you paying Stepchange for.?

 

List them here with amounts and who is acting/collecting on them...along with the age of the debts.

 

Andy

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 The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy,

 

thanks for the reply. i'm in the office at the moment but can get this info when i get home. My partner has stopped paying Step Change now and paid off the other debts as they were of very low value.

I did think that about Wescot, and she tried contacting Nat West directly to repay monthly as this would have been fine from a mortgage application perspective however she was advised to deal only with Wescot now.

Link to post
Share on other sites

So Just the NW loan which I assume you intend to continue paying Wescot ?

 

Get all the details of this loan and I will move your thread to Nat West Forum.

 

Copy of the agreement/default notice etc.

 

How long you have been paying Step change and amounts etc

 

Have you been receiving annual statement of payments from NW ?

 

Regards

 

Andy

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 The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

No worries, i can get the details of what has been paid to Step Change and for how long when i get home this evening.

With regards to the agreement / default notice and annual statements i will probably need to request this. Is there a letter i should send to Nat West / Wescot?

Link to post
Share on other sites

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 The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...