Urgent!!! Big Problems with Natwest

trubster

I need some help, I wrote off a DPA Request to natwest a year ago before all the bank charges were put on hold and asked Natwest for a list of all my accounts, they only send me 2 pages for a savings account and I called them and asked them why they did not send details of my account and they said that is all the information on there systems and I asked them if I owe them any money and they said it has probably been written off so I left it at that.

I have recently been pestered by capquest and they have sent me this letter and I am really worried as they are "Threatening" to take my posessions (Like they are worth much... lol)

What is the best way to play this one as really they said I dont owe them any money and also they have seriously breached the DPA.

HELP.

Thanks in advance

Kevin

Dear Mr ...

Debt Purchased From: National Westminster Bank Plc Balance Due: £2966.16

We note with regret that you have chosen not to deal with this matter despite our previous communication endeavouring to assist you in coming to a satisfactory arrangement to settle this account without the need for legal action.

It is therefore our intention to progress your account to our pre-litigation system where the relevant validations and checks will be completed. Your account will then be passed to our solicitors who may commence legal action on or around 28 Apr 08.

Through the litigation process we will seek an Order of the Court, directing you to pay monies outstanding. If we are successful and it is necessary to do so, we will seek to enforce such an Order with a Warrant of Execution. In the event that we do obtain a Warrant of Execution, a Court Enforcement Officer (Bailiff) will be assigned to attend your address and carry out the Warrant.

The Bailiff will take an inventory and levy goods You will be informed that the Bailiff has impounded the goods and you will be asked to sign a Walking Possession Agreement, acknowledging that the impounded goods are in the possession of the Bailiff. If full payment or a satisfactory offer of a payment plan is not made, the Bailiff is authorized to remove the goods for sale to pay the debt and costs.

A Walking Possession Agreement means that the goods that have been seized now legally belong to the Bailiff and can be removed at any time. However, she/he will allow them to remain in your home and you can continue to use them providing you keep your side of the agreement, e.g. you make agreed payments.

The fees charged by the Bailiffs will be added to the amount owed. Any additional costs for removing and selling goods will also be added to the amount you owe.

You should also remember that any goods you own may lose value over time. This may mean that if the Bailiff seizes goods to discharge the sum you owe, although the value of those goods will not exceed the amount you owe, it may cost you more to replace them.

All of this action is avoidable. It is therefore in your interest to prevent the above course of action by contacting this Office immediately to discuss settlement or your proposed arrangement to settle this debt. Our experienced pre-litigation team are on hand to assist you, but this can only happen if you make contact before 28 Apr 08 and failure to respond by the date outlined will result in legal action being instigated.

Call now on 0870 0843516 to discuss the most suitable method of payment to clear this balance or send your payment to P O Pox 396, Fleet, Hampshire, GU51 2WZ quoting reference number, 43N882, on the reverse. Alternatively, you can pay by debit or credit card.

Yours sincerely
Litigation Executive on behalf of CapQuest Debt Recovery Limited

trubster

Forgot to add, this is 100% Bank Charges, or at least 99%

Knackered

Capquest are after you for bank charges you haven't paid? How have you not paid them? The banks usually take them instantly.