Natwest and Moorcroft Debt Recovery

pinkjaney

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......

pinkjaney

please help with any advice you may have cause i really dont know what the way forward is

pinkjaney

can anyone help please

gratefulforhelp_2

don't ring them again. Ring national debtline or CCCS, get advice. x

thefoolonthehill

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

pinkjaney

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