Received strange DEBT collecting letter with Natwest logo and stating WESTCOT CREDIT SERVICES

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  • debtcollecting
    debtcollecting Posts: 20 Forumite
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    Yes everything matches up.

    My sister has/had a Natwest account - Same surname. She has debt issues that she is paying off for over a year. She is in Australia. That's the only link here I can see.

    No idea though how my Mum Dad's name has got involved.
  • sourcrates
    sourcrates Posts: 28,885 Ambassador
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    debtcollecting wrote: »
    No idea though how my Mum Dad's name has got involved.


    This is why you send the provit letter.


    It should answer all your questions.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Just_Di
    Just_Di Posts: 385 Forumite
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    sourcrates wrote: »
    Thia ia why you send the provit letter.

    It should answer all your questions.

    I agree, and maybe also send a Subject Access Request to NatWest and if that comes back "No Data Held" then your parents could have the evidence they need to clear their name.

    It can be hard to prove a negative :)

    Di
  • debtcollecting
    debtcollecting Posts: 20 Forumite
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    How do you do a Subject Access Request?

    What do you mean prove a negative?
  • sourcrates
    sourcrates Posts: 28,885 Ambassador
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    edited 14 September 2018 at 4:19PM
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    debtcollecting wrote: »
    (A) How do you do a Subject Access Request?

    (B) What do you mean prove a negative?


    (A) This is the national debt line version, not updated to represent GDPR but will suffice :


    https://www.nationaldebtline.org/EW/sampleletters/Pages/Personal-information-under-the-Data-Protection-Act-%28sole-name%29.aspx


    There is no longer a fee to pay.


    (B) If they have no evidence of the debt they cannot continue to chase it.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • fatbelly
    fatbelly Posts: 20,502 Forumite
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    The ICO have an up-to-date but fairly general template letter here

    https://ico.org.uk/your-data-matters/your-right-of-access/
  • debtcollecting
    debtcollecting Posts: 20 Forumite
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    Thanks guys, can you tell me exactly what I should do here please, sorry this is all very weird and stressful for me

    So first, send in the letter to Westcot saying Prove it

    Secondly, Subject Access Request to Natwest, via post to? Or can I hand that into their branch?

    That is it right?
  • debtcollecting
    debtcollecting Posts: 20 Forumite
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    From the link what specific information should I be asking for from Natwest?

    From the national debt line link template
  • sourcrates
    sourcrates Posts: 28,885 Ambassador
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    debtcollecting wrote: »
    Thanks guys, can you tell me exactly what I should do here please, sorry this is all very weird and stressful for me

    So first, send in the letter to Westcot saying Prove it

    Secondly, Subject Access Request to Natwest, via post to? Or can I hand that into their branch?

    That is it right?
    debtcollecting wrote: »
    From the link what specific information should I be asking for from Natwest?

    From the national debt line link template


    Not Natwest, send to wescot, they are now dealing with the account, the provit letter is self explanatory, just fill in your relevant details, and send by post.


    Same goes for the SAR letter, any and all information held on there systems, but send that by letter, to Natwest.


    turn off computer, sit down, put on kettle..........!!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • debtcollecting
    debtcollecting Posts: 20 Forumite
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    Hey guys, so to follow up on this.

    The letter I got with the Natwest logo on it I handed it in to their branch and they said they would send it to their Card Services team. I never heard back from them.

    Now since I posted just this morning a new letter has arrived with the WESCOT branded letter and their official letter asking for the money to be paid.

    In the letter they have a reference number for Westcot and also a reference number from Natwest making it look very official.

    I have never had a credit card in life, and never any account with Natwest.

    Now I am sending off the letter as written in this thread where it asks for full proof.

    What could this be? It's very annoying and also confusing.
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