Natwest-Moorcroft-Westcot

[dan-sully88]

Hi all this looks like a very useful site, full of genuine users willing to help at the cost of their own valuable time, which is why i signed up today.

Right the problem i'm having seems to be quite common throughout many threads on this site but as it is not exactly the same situation i thought i best start a new topic.

I was away with work from early March of this year and returned in September. When shifting through my Mountain of mail there were several from a Company called Moorcroft stating i owe money for the sum of 628.66 collecting on Behalf of Natwest. So instantly I went into my local Natwest which to my belief i hadn't had an account with for over a year to find out that i had a default and nearly 6 months worth of charges on the account. Roughly £180 per month. Obviously the account wasn't closed properly when i switched to Barclays.

I have had loads of letters back and forth to Natwest and Moorcroft with really no results. Also plenty of received phone calls from said DCA which i don't entertain. I've never had to deal with anything like this before so am quite out of my depth. After no result in resolving the matter with Moorcroft i recently received a letter from Wescot DCA requiring me to pay the "DEBT" in full to avoid further action being taken.
Very sorry for rambling on but trying to include as much info for the best help.

I hope someone out there with the knowledge or situation experience can help.

Many, Many thanks for reading
dan-sully88

[labman]

Re: Natwest-Moorcroft-Westcot

How long ago did you "close" the Nat West account?

Do you have any letters or records from this time?

[dan-sully88]

Re: Natwest-Moorcroft-Westcot

How long ago did you "close" the Nat West account?

Do you have any letters or records from this time?

Well i assumed the account was closed around october 2010 as we did an account switching service with Barclays. I have no record of our Natwest account for that period as it all got filed in the bin which in hindsight i regret doing. All i have now is the old account card and a print out from the bank of the debt with a great long list of account charges.

[labman]

Re: Natwest-Moorcroft-Westcot

OK, thank you. It's recent then!

I think the first thing you need to do, as with any debt collection agency (DCA) is to establish their right to collect the debt. I'd send them a Prove It letter

Dealing with DCA's - Legal Beagles Consumer Forum

Post 4.

IF they are able to prove you owe this money, and their right to collect it, then I would look to send a SAR to Nat West. This costs £10, but will give you all the data they hold about you.

Alternatively, and I'm not clear about this from your response, if it is your belief that Barclays should have handled the entire switchover, including the closing of your Nat West account, then you could raise the issue with Barclays.

I would recommend you keep everything in writing and caution heavily against talking to them on the phone 'for the avoidance of doubt.'

[CleverClogs]

Re: Natwest-Moorcroft-Westcot

I would recommend you keep everything in writing and caution heavily against talking to them on the phone 'for the avoidance of lies by the scum at Moroncrap.'

IFYPFY.

[dan-sully88]

Re: Natwest-Moorcroft-Westcot

OK, thank you. It's recent then!

I think the first thing you need to do, as with any debt collection agency (DCA) is to establish their right to collect the debt. I'd send them a Prove It letter

Dealing with DCA's - Legal Beagles Consumer Forum

Post 4.

IF they are able to prove you owe this money, and their right to collect it, then I would look to send a SAR to Nat West. This costs £10, but will give you all the data they hold about you.

Alternatively, and I'm not clear about this from your response, if it is your belief that Barclays should have handled the entire switchover, including the closing of your Nat West account, then you could raise the issue with Barclays.

I would recommend you keep everything in writing and caution heavily against talking to them on the phone 'for the avoidance of doubt.'

Would my situation come under CCA or Non-CCA just so i can use the appropriate template for my first letter.
Very grateful for all of your help so far. I think they know the charges are unfair as all we have had are silly letters as of yet but might get some more serious ones soon. Who knows!

[labman]

Re: Natwest-Moorcroft-Westcot

Top one - 'Prove I'm the Debtor.'

Bank accounts are not governed by the CCA with the exception of overdrafts which are partially covered.

[dan-sully88]

Re: Natwest-Moorcroft-Westcot

Top one - 'Prove I'm the Debtor.'

Bank accounts are not governed by the CCA with the exception of overdrafts which are partially covered.

Cheers Labman. Will try and put my bestest England together and construct a half decent letter from the templates provided.

[CleverClogs]

Re: Natwest-Moorcroft-Westcot

Whilst the 'prove it' letter is the correct approach now, can you tell us whether you had an agreed overdraft with the NatPest?

[dan-sully88]

Re: Natwest-Moorcroft-Westcot

Whilst the 'prove it' letter is the correct approach now, can you tell us whether you had an agreed overdraft with the NatPest?

There was no agreed overdraft which is why we had charges instantly due to a failed direct debit for around £25. We now need to pay 21 times this amount due to the charges racking up until they froze our account some months later. Ridiculous really and as far as i was aware i was on paperless banking so there was no way i would of known.

As i said in my first post i was out of the country for half the year. On telling Moorcroft this they criticized me for not letting Natwest know i was out of the country even though my belief was that i had switched nearly a year ago and did not have any debt whatsoever. And also that to close my account with Natwest i would have to do it in person or writing to them, not through an account switching service with another Bank. (B"£$%^KS)
I'm sure Moorcroft are the same as most DCA's. Told them my situation and that i won't pay a penny then 2 seconds later, "Can i now have the long card number and expiry date so i can collect the full amount" so i just hung up. But after all the advise on this website all contact is now in writing which is much better and more efficient as you can get your point across without going off tangent on the phone.

[labman]

Re: Natwest-Moorcroft-Westcot

Also there is then a true record of what was said, and I can assure you they will be far more cautious in writing than on the phone where there is no proof as to what has been said.

[dan-sully88]

Re: Natwest-Moorcroft-Westcot

Right prove it letter was sent off a few days ago after finding a suitable template then adding my own touch.
Had a reply in the post this morning. Basically it said in order to prevent a breach of the data protection act they required me to give them information about my previous address with the date vacated and also my date of birth?????

[charitynjw]

Re: Natwest-Moorcroft-Westcot

Right prove it letter was sent off a few days ago after finding a suitable template then adding my own touch.
Had a reply in the post this morning. Basically it said in order to prevent a breach of the data protection act they required me to give them information about my previous address with the date vacated and also my date of birth?????

You say, in your first post, that you have already received letters from them, presumably stating financial information.

And they are only now asking for proof of ID?

[dan-sully88]

Re: Natwest-Moorcroft-Westcot

You say, in your first post, that you have already received letters from them, presumably stating financial information.

And they are only now asking for proof of ID?

My point exactly but what route i go down now, i don't know as these imbeciles seem to be having me on the run around.

A decent format letter or link to one would be great, else i think i will ignore it as i'm terrible at writing letters.

[labman]

Re: Natwest-Moorcroft-Westcot

Plenty of people on here will happily write a good letter for you. If they have already sent sensitive financial information to you though, then they have acknowledged your identity. If they say they still need it, then tell them that as they have already shared sensitive data, they are admitting they have already breached the DPA and so you'll be reporting them to the ICO. They can't have it both ways!