Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • debtcollecting
    • By debtcollecting 13th Sep 18, 8:50 PM
    • 9Posts
    • 1Thanks
    debtcollecting
    Received strange DEBT collecting letter with Natwest logo and stating WESTCOT CREDIT SERVICES
    • #1
    • 13th Sep 18, 8:50 PM
    Received strange DEBT collecting letter with Natwest logo and stating WESTCOT CREDIT SERVICES 13th Sep 18 at 8:50 PM
    Guys, my parents, both of them have received 2 individual letters this morning from a paper with the heading of Natwest logo.

    It's asking in 1 letter for 11K

    And in another letter for 3.5K

    Under their individual names. It says they have been trying to contact us (which they have not) and now the account details have been passed to Wescot Credit Services Ltd to act as collection agent.

    It says Westcot will contact us during the next 14 days to discuss repayment options. It also writes a phone number you can contact Westcot on.

    It's signed by someone called J GLOVER / MANAGER ...

    First thing, the logo and the position of the stamps on this so called Natwest letter looks suspect.

    Secondly, my parents have never had a Natwest account or Credit Card ... ever.

    The letter that came, came in a white envelope. No logo, no text, nothing.

    My Dad rang up the Westcot number to say what this letter is about, the lady said she has all my Dad's details just for security purposes needs my Dads DOB before she can look into this. My Dad refused to give it.

    Anyone can give any advice on this? Is this a scam? How do we know what this letter is about? As mentioned none of my parents have had credit cars or accounts with Natwest. We plan to go into Natwest tomorrow to show them this letter, a branch near our home.
Page 1
    • debtcollecting
    • By debtcollecting 13th Sep 18, 9:00 PM
    • 9 Posts
    • 1 Thanks
    debtcollecting
    • #2
    • 13th Sep 18, 9:00 PM
    • #2
    • 13th Sep 18, 9:00 PM
    I have a suspicion about something but I don't see how this has come under my parents name.

    My sister with a different name but same surname lived at our address she had debt problems. I asked her if she had a Natwest account, she said yes. She lives abroad for the last 2 years.

    I've asked her to look into this.

    However as mentioned I don't see how this has got my Mum and Dads name, both who are retired, and 2 individual letters have come to both of them asking them for the stated amounts.
    • sourcrates
    • By sourcrates 13th Sep 18, 9:56 PM
    • 15,243 Posts
    • 14,341 Thanks
    sourcrates
    • #3
    • 13th Sep 18, 9:56 PM
    • #3
    • 13th Sep 18, 9:56 PM
    Hi,

    Wescot are a well known debt collection agency who manage debts on behalf of the major banks.

    You should not phone these people, if you do not recognise the debts in question, then send them the provit letter.

    This asks them to provide evidence of liability, which they must send you when asked to do so :

    https://forums.moneysavingexpert.com/showthread.php?t=2607247
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • debtcollecting
    • By debtcollecting 13th Sep 18, 10:14 PM
    • 9 Posts
    • 1 Thanks
    debtcollecting
    • #4
    • 13th Sep 18, 10:14 PM
    • #4
    • 13th Sep 18, 10:14 PM
    Thanks so much

    My Dad rang them and they asked my Dad for his DOB - he refused to give it. If they are genuine then as they have named my Dad that should have his personal information like DOB so, it's strange Westcot on phone asked my Dad for DOB. I've told my parents not to reply to them.
    • worried jim
    • By worried jim 13th Sep 18, 10:19 PM
    • 9,508 Posts
    • 14,634 Thanks
    worried jim
    • #5
    • 13th Sep 18, 10:19 PM
    • #5
    • 13th Sep 18, 10:19 PM
    Thanks so much

    My Dad rang them and they asked my Dad for his DOB - he refused to give it. If they are genuine then as they have named my Dad that should have his personal information like DOB so, it's strange Westcot on phone asked my Dad for DOB. I've told my parents not to reply to them.
    Originally posted by debtcollecting
    It's so they can confirm they are talking to the right person, rather than some oik who has opened their mail. Standard procedure.
    "Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
    Albert Einstein
    • sourcrates
    • By sourcrates 13th Sep 18, 10:35 PM
    • 15,243 Posts
    • 14,341 Thanks
    sourcrates
    • #6
    • 13th Sep 18, 10:35 PM
    • #6
    • 13th Sep 18, 10:35 PM
    Thanks so much

    My Dad rang them and they asked my Dad for his DOB - he refused to give it. If they are genuine then as they have named my Dad that should have his personal information like DOB so, it's strange Westcot on phone asked my Dad for DOB. I've told my parents not to reply to them.
    Originally posted by debtcollecting
    It’s standard practice for data protection purposes.

    Any time you call a business to discuss matters of a personal nature, you must pass security first, otherwise how do you determine a persons identity on the phone ?

    That’s why is best to keep everything in writing only.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • fatbelly
    • By fatbelly 14th Sep 18, 6:02 AM
    • 12,678 Posts
    • 9,751 Thanks
    fatbelly
    • #7
    • 14th Sep 18, 6:02 AM
    • #7
    • 14th Sep 18, 6:02 AM
    I would not give Wescot any information they do not already have.

    I agree with sourcrates - send the prove-it.

    FCA guidance comes into play here:

    "A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

    "A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

    "Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

    "Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement." 7.14.4
    Last edited by fatbelly; 14-09-2018 at 6:05 AM.
    • debtcollecting
    • By debtcollecting 14th Sep 18, 2:59 PM
    • 9 Posts
    • 1 Thanks
    debtcollecting
    • #8
    • 14th Sep 18, 2:59 PM
    • #8
    • 14th Sep 18, 2:59 PM
    Hey guys, so today my parents went to Natwest. Showed the letter.

    They got told by the clerk to go in a room and phone the fraud department and the card security department. They said they would investigate it all to confirm whats going on but there and then they didn't say anything to my parents like it is fraud etc

    So my parents went in a room, trying to reach this security team sitting there for 30 mins - no one picks up from this so called Natwest security card team

    Then the lady comes in and says she will take the letter and send it into them herself...

    And that was really the end of the story but now my parents have to wait to hear back which is off. So it wasn't resolved by going into Natwest.

    Anyone have any tips what to do next with this madness?
    • Just Di
    • By Just Di 14th Sep 18, 3:27 PM
    • 54 Posts
    • 21 Thanks
    Just Di
    • #9
    • 14th Sep 18, 3:27 PM
    • #9
    • 14th Sep 18, 3:27 PM
    Have your parents kept a copy of the letter which they each received?

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. Any posts I make are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you're unsure please seek formal legal guidance
    • debtcollecting
    • By debtcollecting 14th Sep 18, 3:48 PM
    • 9 Posts
    • 1 Thanks
    debtcollecting
    Yes we kept copies. What do you advise in this case?
    • sourcrates
    • By sourcrates 14th Sep 18, 4:01 PM
    • 15,243 Posts
    • 14,341 Thanks
    sourcrates
    Debts are sold/and/or managed in large portfolios, staff at branch level will have no more clue than you do about this, these decisions get taken whey higher up.


    If the phone numbers and contact details tally with whats on the wescot website, then it is genuine, although its not unknown for details to become blurred.


    You mentioned before you may know what this is all about, can you elaborate on that at all ?
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • debtcollecting
    • By debtcollecting 14th Sep 18, 4:03 PM
    • 9 Posts
    • 1 Thanks
    debtcollecting
    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
    • By sourcrates 14th Sep 18, 4:06 PM
    • 15,243 Posts
    • 14,341 Thanks
    sourcrates
    No idea though how my Mum Dad's name has got involved.
    Originally posted by debtcollecting

    This is why you send the provit letter.


    It should answer all your questions.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • Just Di
    • By Just Di 14th Sep 18, 4:09 PM
    • 54 Posts
    • 21 Thanks
    Just Di
    Thia ia why you send the provit letter.

    It should answer all your questions.
    Originally posted by sourcrates
    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
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. Any posts I make are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you're unsure please seek formal legal guidance
    • debtcollecting
    • By debtcollecting 14th Sep 18, 4:11 PM
    • 9 Posts
    • 1 Thanks
    debtcollecting
    How do you do a Subject Access Request?

    What do you mean prove a negative?
    • sourcrates
    • By sourcrates 14th Sep 18, 4:17 PM
    • 15,243 Posts
    • 14,341 Thanks
    sourcrates
    (A) How do you do a Subject Access Request?

    (B) What do you mean prove a negative?
    Originally posted by debtcollecting

    (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.
    Last edited by sourcrates; 14-09-2018 at 4:19 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • fatbelly
    • By fatbelly 14th Sep 18, 5:09 PM
    • 12,678 Posts
    • 9,751 Thanks
    fatbelly
    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
    • By debtcollecting 14th Sep 18, 5:51 PM
    • 9 Posts
    • 1 Thanks
    debtcollecting
    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
    • By debtcollecting 14th Sep 18, 5:59 PM
    • 9 Posts
    • 1 Thanks
    debtcollecting
    From the link what specific information should I be asking for from Natwest?

    From the national debt line link template
    • sourcrates
    • By sourcrates 14th Sep 18, 6:04 PM
    • 15,243 Posts
    • 14,341 Thanks
    sourcrates
    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?
    Originally posted by debtcollecting
    From the link what specific information should I be asking for from Natwest?

    From the national debt line link template
    Originally posted by debtcollecting

    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 Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,102Posts Today

8,517Users online

Martin's Twitter
  • RT @Dora_Haf: @MartinSLewis So many people on here saying they're great until you get your PROPER job. What if Your proper job Is ON zero?

  • RT @hslt88: @MartinSLewis I?m a trustee for a youth charity. We only have a limited pool of funds for flexible youth workers for holiday sc?

  • RT @Dan_i_elle_88: @MartinSLewis Loved working zero hour agency care work. Never out of work and I loved having the flexibility! Only left?

  • Follow Martin