Bank overdraft sold on

[alux]

Hi guys,

 

I know this is silly and my fault but essentially what's happened to me is that

 

I didn't notice that one of my accounts since xmas went over my overdraft (£100)

and has since become over £500.

 

I may have gotten a letter from the bank but honestly I am unsure, I didn't see it.

 

I agree this is some debt and it's my fault but

 

I don't think I can get the amount lowered via my bank Natwest anymore as it has been sold onto Moorcroft Debt Recovery,

 

I asked if I could speak to them about it and they said no,

 

there's no point speaking to Natwest now,

 

it's been sold to them.

 

I get around £55 a week and on the phione they wanted £22.50,

 

I could maybe do it but that's pretty much it with my bills

and it's a lot for something I feel is unjust but also my fault it got to this point.

 

The lady didn't seem to like the idea of £10,

 

just to show I am making a payment until I start making some cash and get back into work.

 

I am guessing I'll have to pay this. I was wondering if anyone had any ideas on how I could maybe minimise the cost?

 

Can I contact Natwest about it?

 

Just looking for advice, thoughts... thanks.

 

I am also interested in any ideas you might have to postpone my responsibility a bit until I am working. They don't want to put a hold on it.

 

edit: Also been doing some research... my first point of order should be to ring them and say I want written communication in future?

Edited August 12, 2014 by alux

[dx100uk]

STAY OFF THE PHONE!!

 

never phone a DCA

 

they ARE NOT BAILIFFS

 

and

 

have

 

NO SUCH LEGAL POWERS.

 

can you go get your credit file please

 

and see who now owns this debt.

 

see below

 

noddle is free

 

dx

[leigh04]

If u know the bank acc and sort code for the account just pay it directly to it (online if possible or mobile app)

The bank wont refuse payment that way.

Thats what im doing ( not natwest tho) and mines been passed to moorcroft and I certainly dont speak to them.