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heinsenberg

Cabot and 15 year old Natwest account - now wetcloths letter.

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Hi. I would be very pleased if anyone can offer help in this matter.

 

In 2004 my wife had a credit card and bank account with Natwest.

Around 2007 she could not pay them the credit card when her business closed (around £1500 owed on the card then) and thus the account went into deafult then.

 

Unknown to me, she at some point was contacted by Westcott and has been paying them £10 a month on a standing order.

I found out last month and she stopped the standing order.

 

Now Westcott are writing  and writing, plus this week started phoning her which is causing great upset for her.

She has not replied to them or taken one of their calls and won't do either!

 

My question is that as the original debt was with Natwest, I assume then sold the debt to Westcott.

But surely the original contract was between my wife and Natwest and thus my wife owes Westcott nothing.

The main thing I would like is to know I can warn Westcott off from harrassing my wife.

 

Her credit file is 100% completely clear. No defaults, no CCJ's, no credit card accounts, no debts whatsoever,  nothing at all.

 

Any pointers would be appreciated. Thanks

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who are wetcloths stated client please?

 

dx

 


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Ah, this is interesting. Just dug out the last two letters. She has actually been paying Cabot on a standing order, but since stopping that it seems to have switched to Westcot. I am guessing they are one and the same?

 

fkofille - The balance is £950.00 now.

dx100uk - Cabot's ''client'' natwest Dual Gold - Credit Card

 

My wife says she thought she had been paying Natwest all this time and does not know when she first started paying these goons.  I will go through her statements when I get a chance and see when she started paying, but just by simple calculation, she has been paying them for about 40 months or so.

 

 

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oh dear smells of cash cowing here.

 

what type of credit please - states its just this gold credit card?

 

send cabot a CCA request

 

ignore wetcloths they don't buy debts but merely chase.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Posted (edited)

It was just a standard Natwest personal credit card, not a business one if that is what you mean. I beleive it would be Mastercard with Natwest, but not sure.

 

I am sure you are better advised than I am. CCA request, is that such a good idea when there uis absolutely no credit accounts whatsoever on all her credit files - we checked all of them this week.  In other words, there is no record of ANY outstanding debt under her name with any credit reference agency.

 

What are we hoping to achieve with the CCA? I don't know much hence asking, but would the agreement not be between my wife and Natwest. If these people are just a company that buys debts, there is no agreement between my wife and them surely? Natwest I think lost all interest in it many years ago.

 

Edited by heinsenberg

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no enforceable paperwork = no pay!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Given the timescales between when you stopped paying the card, and when the payments to Cabot start it is possible the debt is statue barred, 2007 stopped paying started paying approx. 40 months ago(2016).

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I will check all her payment dates and update ASAP. Thank you.

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