Hi everybody - Getting stuffed by estranged wife and Natwest......

Bill_the_Befuddled

Hi All, I'm new to this and appreciate that I could probably have eventually answered all my own questions by trawling through the zillions of posts on here but find myself somewhat time-poor.....

The situation as it stands...

My wife and I have been separated for almost a year now. At the point of separation there was a joint overdraft and consolidation loan outstanding. She insisted that I pay nothing into the bank as that would 'mess up her benefit claim'

She has since refused to discuss the outstanding amounts, and Natwest first started freezing my personal current account 'to get my attention' then they sent it to Triton Credit services without notifying me. Got a letter from Triton, phoned them, they told me that their systems were down and someone would call me back, no callback later, I chased them and they said it had been sent to someone else. In the meantime, Natwest have closed all the accounts both in joint names and my personal account (which was in credit) and the file has now gone to Allied International......

I called Allied International, and after advising them that I was recording the call was put through to a relatively polite if somewhat impatient individual who professes to be an "Individual Case Manager"

Firstly, he says that AIC have been 'appointed' by Natwest, ( they have not bought the loan ), and that Natwest have only given them instructions to chase ME when as far as I am aware both the overdraft and loan are debts for which we are jointly liable.

He is currently checking back with Natwest regarding this, and reckons that if it is a joint debt that if we each pay 25% of the outstanding balance as a lump sum, the debt will be written off. I have given him permission to text me on a spare number to let me know when to call him, as I have advised I will not take a call that I cannot record.

OK so far, they're not scaring or intimidating me. He reckons that a CCA request should be sent to Natwest and not them. The debt is just under £7K.

Any advice, effective delaying tactics or useful information gratefully received. The current loan which is in default is a loan which my wife was sold to pay off the previous loan and overdraft. I know I'm rambling a bit - sorry! I've had to educate myself in a hurry and feel a little out of my depth at the moment, but am fairly confident I can eventually achieve a sensible outcome if someone would only do their ~@*^% job right.

If I need to be sending special letters or whatever I need to be doing it quickly, I guess. Please HEEEEEEEEEEEELLLP!!!!!

Merlinexcalibur

estranged wife

Excuse me for this but reading that quickly in one glance before looking again I read 'strange wife'. lol

RAS

OK

Bit more education

1. You cannot request a CCA for a bank account.

2. You need to open a new basic bank account so you have something to work with.

3. If the loan was not signed by you, then it is her problem not yours. There is a good chance if this is recent and from a reputable bank (cough) that the paperwork will be legally enforceable.