Thanks Bazooka No defiantly not, although Im not too sure Halifax are any better. Dont suppose you have got a link to a template stating the BCOBS have you? Thanks

Update We have since received some information from Natwest. Mainly bank statements and details of interaction with Moorecroft. A letter providing a summary of phone calls with Natwest, one does mention the possible fraudulent credit card. There is no copy of the default notice. Looking at the bank statements, there was a £500 overdraft on the account, bank charges took this into an unauthorised overdraft which then spiralled upto £1200. The unauthorised overdraft was made up solely of charges. What would you recommend the next plan of attack to: a) minimise the debt b) have default removed. I believe the key is that my partner was told in branch that she had a credit card with Natwest, which she didnt. It now seems that there never was a fraudulent credit card and seems to be some mistake on the banks part.

Thanks again Mike_hawk!!!! How does this sound:

Thanks for the advice Mike_hawk, I intend to send: Am I able to include a demand to call off DCA until they comply?

The SAR letter I sent was: This letter was signed for on 17th August. We have only this week received a reply: Firstly what should be my next step? They have had nearly 80 days to produce the data. My partner is still getting pestered by letters from DCA, can we demand to Natwest that they stop all proceedings until they produce the required information? Finally, are they correct in what the say about us needing to provide details of phone calls? Thanks again!! Mike

I believe it was during a telephone conversation. We are still waiting for the SAR to come back.

Her credit file shows a balance of £1170 with Natwest. Until we get the SAR back I wont know what the total value of charges / fees are but will certainly try to claim them back. She has so far paid £150 to the DCA is this money lost or can we deduct this from the £400 she owes Natwest?

It was fraudulent, she has a crime reference number for the burglary not for the fraud thought, this was mentioned to the dealing officer after the incident and it was added to the burglary case. Her part of the debt is a £400 overdraft that was legitimately on the account before any of the other debt.

Hi all, Looking for a bit of advice. My partner has banked with Natwest for several years and had a £400 overdraft on her current account. About 18 months ago her house was broken into and documentation / ID was taken. Several months later she started to get letters from Natwest saying she owed them over £1000. She has disputed this and the Natwest fraud team said they could not prove it was fraudulent and she would have to pay up. She refused to pay and the debt was passed to Moorcroft debt recovery limited. Following threatening letters she had accepted that she would just have to pay the debt even though it wasn't hers so started paying Moorcroft an agreed payment of £50 a month. Since she has told me about this I have told her to stop payments to Moorcroft and I have sent a SAR to Natwest. Firstly can anybody provide a template to send to the DCA to explain the dispute and stop letters of home visits, court action etc. When I receive the SAR back from Natwest I hope to find some information that will give us an idea of were the debt has come from and a way of proving it is fraudulent. In the meantime should we pay the DCA the £400 that is actually her debt? (Minus the 3 x £50 payments she has made) Any help is appreciated. Mike

Thanks, I'll get this sent today. I assume recorded delivery is recommended? From reading the forums I should also be expecting to receive a A copy of the default notice and the signed credit agreement. Do I need to explicitly request these or is the standard SAR good enought? Thanks

The company is express gifts studio. What I'm I asking for in the sar? All data held on her? How does this help? New to all this. Thanks again.

Hi all, new to all the credit report stuff so any help is greatly appreciated. My girlfriend recently had a fraudulent credit card taken out in her name which led us to check her credit file. Upon doing this we found a default on an account at a previous address from 2010 for £120 with a catalogue company. She acknowledges having the account and does believe that the balance may have been outstanding although it was closer to the £50 mark. She moved address very quickly after having a burglary, so thinks she may have not updated her details with the Company. She is now pregnant and worries so easily, in an ideal world I would like to settle the account for £50, have the default removed and cause as little stress / worry for her. Any debt collection letters will make her worry like mad. Any advice or pointer please Thanks in advance. Mike