Natwest Closed my account - Moorcroft HELP

[andy210000]

I held 2 accounts with Natwest for over 10 years,

in January of this year they decided to close my basic account with no reason,

at this point i opened a new account with an alternative bank and started paying my wage into this.

 

A month later natwest decided to close my current account which had a £6k overdraft,

I called them to ask why and they said the Bank has taken the decision and now i have to repay the £6k.

 

I told the bank at this point that i would pay £100 to bring the balance down and that no further interest etc will be charged.

2 weeks ago i receive a letter for Moorcroft ask to get in touch.

 

Furious I called the bank and asked why they account has been passed to moorcroft ,

again they coudlnt answer only to tell me that the account has now defaulted and its in my interest to make contact.

 

I didnt default, the bank chose to close the account!!!!

 

What can i do ,  Should i make contact with Moorcroft?

 

Any help will be greatly apprecaited 

 

Thanks

[AndyOrch]

Just keep paying your £100 to NW...dont communicate with the ambulance chaser.......have NW stopped the interest ?

 

Andy

[andy210000]

Hi Andy

 

Yes Natwest have stopped the interest, however they have defaulted the account now!! They chose to close it.

 

What will happend with moorcroft? will NW sell the account on

 

Andy

[AndyOrch]

Not to them they dont buy debts......but with current accounts you cant actually default......because you moved your salary to another account the amount of credit per month has reduced and therefore you have broken the terms of the facility.

 

Have they issued you with a  Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974 ?

[andy210000]

HI Andy

 

Ive received nothing from them in the post, they have said however that they have sent letters out

[AndyOrch]

And there is a default showing on your credit register files?

[andy210000]

No default showing currently still shows as an open account

[andy210000]

Just checked my file however and Moorcroof have carried out a hard search without my permission !!!!

[AndyOrch]

So all's good then.....keep your payments up and check your CRAs regularly ..ignore Moorcroft.

[fkofilee]

Their search is a soft search... Cant be seen by 3rd parties...