Natwest pursuing for monies not owed

[Fuzzy1969]

In 2004 my partner and I opened a business, and took out a loan with natwest bank, we also had our business bank account with them. In November 2007 my partner filed for bankruptcy, and all accounts were dealt with in that bankruptcy. We had at that time paid off about half of the original loan, which was secured against our property. All other overdrafts, cards, loans etc were not secured against our property. We have however been endlessly pursued by natwest for varying sums ( they don't seem to know how much we owe) of between £32,000 and £7000.

 

 

We have repeatedly told them how much we owe, and if we can agree on the correct figure, then payment will be made. We are not willing to enter into any agreement when they appear to be plucking figures out of fresh air!

 

 

This morning, I received a letter threatening legal action/repossession of MORTGAGE arrears for £21,000. My mortgage is not with Natwest!

 

The CAB spoke to them about 4 years ago, and told them in no uncertain terms, that there behaviour was disgraceful, but to no avail! Any advice would be gratefully received!

Edited April 30, 2013 by citizenB
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[citizenB]

If debts were hovered up into the B/R then you should be referring them to your Insolvency Advisor.

 

If only your partner entered B/R then any joint debts could still be pursued against you.

 

It might be worth your sending a Subject Access Request to NatWest - this is a request for ALL data in connection with your financial relationship with a company. This should identify the reason you are being pursued by NatWest. Although the draft letter in the CAG library, linked at the top left of each screen, is a request for ALL data. Anything you specifically require should be identified. The request will cost you £10.00 and they have 40 calendar days in which to comply.

 

You could also order up a copy of your Credit Reference Files to see what, if anything , is being recorded on those. This will be another way of checking what is going on.

 

Perhaps it would also be worth an Official Complaint to NatWest's Head office. Head it as such else they will simply file it in their waste paper basket !