Help! They let me believe debt was written off!

[eeloojon]

Hi everyone,

 

I am just looking for a bit of advice.

 

I have debt from an old overdraft that the bank tried to force me to pay when they closed my account because I reclaimed charges back from them. I am not in the position to pay this and told them this but they passed it on to debt collectors and a solicitors.

 

I used nationaldebtline to write them a budget sheet showing I have no money left over and a letter asking them to write it off.

 

I recieved a letter from the solicitors saying that nationwide had intructed them to take no further action. This was about 3 months ago.

 

Today I recieved a letter from a different debt collection company chasing the same debt .....

 

They let me believe that they had written it off !

 

What should I do? Keep sending letters?

[gizmo111]

Did the letter say that it was actually written off or just that particular solicitor was instructed not ot take it further?

I would write to Nationwide and send a copy of letter and ask them to clairify the position - how much are we talking about here?

[eeloojon]

Thanks for your reply.

 

After I sent the letter I got a letter from the solicitors saying they had been instructed not to take any further action and that my file was closed, which I took to be of a result of my letter asking for it to be written off.

 

But yes it did not specifically say it was written off.

 

It is for £811.

[gizmo111]

Send a copy to the DCA, and then write to the NW for clarification that no further efforts will be made to recover this debt, as it was a fair assumption on your part following your request to write off the debt that the solicitors letter implied that thsi was the action that was being taken.

[eeloojon]

Thank you so much I will do that right away