Original Creditor or DCA?

Becks81

I have just been going through some old paperwork and came across a DCA letter for my Natwest credit card, the letter is dated January 2012 and from a company called Risk Management Alternatives.

I have been paying off this debt direct to Natwest at £15 a month for well over a year and have been totally unaware they have passed it on to a debt company.

I haven't checked my credit file but assume I must have received a default when they passed it onto RMA - but I have still been paying an agreed monthly sum and have received no correspondence from Natwest to say they have passed the debt on.

My question is... should I carry on paying Natwest directly and ignore the DCA letter, or contact the DCA and make arrangements to pay them and stop my payments to Natwest.

Becks81

anybody any ideas?

[Deleted User]

You need to find out whats going on.

You can't just guess, you need to know in writing what they want and paid to whom.

Remember some banks use a name to collect debt so it looks scary.

Either way I think you need to ask them who it's with and how to make payment. You should be aware of this already and they should have advised you of the default via a default notice.

If you are sure you have not been told then you need to complain now.

HTH