Natwest Bank / Wescott

[sandh22]

Hi

I am new to this- so please be patient! Just hoping someone will help if possible.

I was paying a dca (Apex) for a sum of money i owed to Natwest Bank, all was going well up until I asked them for a deed of assignment letter(?), did'nt hear from them again. About a month ago Westcot wrote me a letter saying that they were now collecting for Natwest Bank (their Clients!), getting a bit wise now I also asked them to produce the deed of assignment letter. Nothing until yesterday when I received through the post an envelope with ALL of my bank statements in (Natwest), ..."as requested by you..." I did not.

Firstly I am horrified that anyone, including this company who I have had no dealings with, can get hold of such personal data ( more so if Natwest gave them to Westcot!) and secondly can this company enforce the said debt? I have written to them again requesting to see the original credit agreement. Is there anything else I should be doing? Shall I just wait to see what happens next, and who actually owns this debt?

[cerberusalert]

I've changed your thread title to give people a clue as to who is trying to collect.

[cerberusalert]

What type of a/c was this?

[sandh22]

I've changed your thread title to give people a clue as to who is trying to collect.

Hi, the account was in my name then a trading as ( I had a shop at the time I held this account)

Does this make a difference?

[sandh22]

Hi

The account was in my name and also "trading as..." I ran a shop at the time I held this account. Does this make a difference?

Thanks for help with thread title!

[cerberusalert]

You will be unable to ask for a CCA for a bank a/c as one never existed nor was required unless you had a credit card.

[sandh22]

Hi, no didn't have credit card, but am almost certain that they where loan accounts( at least part of outstanding balance is) which therefore means I must have signed for them and a CCA could still be asked for . Also even so, my point is , can someone just come along albeit a dca and say that you owe us money without proof?

[cerberusalert]

The only way you'll find out what type of a/cs they were or if they were current a/cs which were changed to a loan is to send the bank a SAR.

[sandh22]

Thank you , I will look into it in more detail and come back to you If you don't mind.

[cerberusalert]

That's what we're here for.