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DMP: Natwest soon to sell my debt on...shall I claim charges now or wait??

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Comments

  • mcajshaw
    mcajshaw Posts: 130 Forumite
    edited 15 August 2009 at 7:05PM
    Oh and can I claim for both current accounts within the one letter?? Sorry for all these quesions lol
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    YES and YES
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • esmerellda
    esmerellda Posts: 2,237 Forumite
    lol. Yes if you have your account history back to July 2001 then take the info from that - the DPA letter is simply to get that information.

    Yes you can claim from all accounts with the same bank with one letter - however in your situation you might want to keep them seperate if only one is being defaulted etc ?
    LegalBeagles
  • mcajshaw
    mcajshaw Posts: 130 Forumite
    Hi guys they are both being defaulted. I tell you what (if you dont mind) I am off Monday I will cut and paste this letter into word, rejig it for my circumstances and then pm you both with it and u can perhaps suggest alterations etc for it. I am 26 and I am afraid to admit that almost all my debt came from a gambling addiction which I am thankfully after seeking help no long dealing with. Is this a bad thing to admit in my letter or a good thing. This was one of the reasons I went to payplan. Thanks in advance, Jonathan.

    P.S - I see you more a Rosemary and Thyme detective helpful team than Morecame and Wise lol
  • esmerellda
    esmerellda Posts: 2,237 Forumite
    Yep no worries :) Well done for coming through your gambling addiction, keep going ! I don't see any specific reason you should mention that particularly in your letter, will have a look at someones claim we dealt with a while back who went through a similar thing see what we did there. Whatever the reasons for getting into the debt, you have sorted it out and thats only to be commended IMO.

    Be back in a bit.
    LegalBeagles
  • esmerellda
    esmerellda Posts: 2,237 Forumite
    Here http://www.legalbeagles.info/forums/showthread.php?t=10487

    We didnt include it on the letter and unfortunately havent seen Stewie for a bit so will give him a nudge see how he got on.
    LegalBeagles
  • mcajshaw
    mcajshaw Posts: 130 Forumite
    Sorry guys who is stewie is he a relative of yours? So you would advise not to mention the gambling?
  • esmerellda
    esmerellda Posts: 2,237 Forumite
    Sorry lol, no he;s the guy whos thread I linked you to.

    I don't think you need to, its in the past and you are sorting things out, hardship will be based more on priority debts and income vs expenditure.
    LegalBeagles
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