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Natwest and Moorcroft Debt Recovery
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# 1
Old 15-09-2009, 5:05 PM
MoneySaving Convert
Join Date: Nov 2006
Posts: 198
Unhappy Natwest and Moorcroft Debt Recovery

OH has had two letters from Moorcroft Debt Recovery one is for £5094 and the other is for £2242. He rang them to find out what the debt was for the £5k one is for a loan which he knew about but stopped paying over 2 years ago so we knew that would land sometime but the other one he has been told is overdraft and loan. He did have a loan with NatWest but he only had the 1 loan which I have already mentioned and he did have a bank account but that was £1000 overdrawn but within the overdraft so how the hell has it got to over £2k. He asked the guy at Moorcroft for a breakdown over the £2k debt. Should I confirm he wants a breakdown of this debt also the £5k debt they want his I and E's (they did want my wages etc until I shouted that debt has nothing to do with me and I am not a guarantor either so now they just want his.

Any advice on what to do next would be of great help and I know he should not have ignored the debt but it was in his past life when he was with his ex and all the debt is in his name......
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# 2
Old 15-09-2009, 5:22 PM
MoneySaving Convert
Join Date: Nov 2006
Posts: 198

please help with any advice you may have cause i really dont know what the way forward is
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# 3
Old 15-09-2009, 8:03 PM
MoneySaving Convert
Join Date: Nov 2006
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can anyone help please
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# 4
Old 15-09-2009, 8:15 PM
Fantastically Fervent MoneySaving Super Fan
Join Date: Jan 2009
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don't ring them again. Ring national debtline or CCCS, get advice. x
Please do not confuse me with other gratefulsforhelp. x
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# 5
Old 16-09-2009, 2:25 AM
MoneySaving Stalwart
Join Date: Jun 2006
Posts: 238

i would not send them an I&E. also as mentioned dont call them.

The overdraft will probably have risen due to bank charges. Ask for a breakdown.

If you acknowledge the debt is your OH. work out a figure you can afford to pay them each month and offer that. they will refuse and say they want the money in full. Alternatively offer them a F&F if you have the spare cash
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# 6
Old 16-09-2009, 5:35 PM
MoneySaving Convert
Join Date: Nov 2006
Posts: 198

Thanks for the advice, OH has asked for a breakdown to see when the debt has come from and if its full of charges will look at reclaiming them back/get them removed from debt figure
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