Debt collectors seem to be everywhere nowadays. With debt collection being one of the biggest industries in the world, you’re likely to know several people who have received a letter from a debt collection agency. 

So if you’ve received a letter from a debt collection agency like NatWest Debt Collection Agency, you’re not alone. It may seem daunting to go and deal with them, but with a little bit of planning ahead and careful thought, you’ll be able to deal with your situation quickly and easily. 

We go through some solutions to dealing with debt collection agencies like NatWest Debt Collection Agency.

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NatWest Debt Collection Agency – who are they?

To avoid having to delegate their debts to private debt collection agencies, NatWest bank founded its own debt collection agency division. If you have an account or use the services provided by NatWest, and you might have fallen behind on your payments, you will be contacted by NatWest Debt Collection Agency.

Don’t worry, here’s what to do!

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What do they want?

NatWest Debt Collection Agency is the debt collection agency of NatWest bank, one of the ‘Big Four’ clearing banks in the UK. With so many people using their banking services, it’s a likelihood that some people may not be able to keep up to date with their payments. 

If you use NatWest as your primary bank, and you have potentially missed payments on a loan, a mortgage or a credit card, or you have exceeded the agreed overdraft facility, NatWest Debt Collection Agency will send you a letter. 

If you haven’t managed to keep up with your payments, it’s nothing to get too upset about. In our busy day to day lives, it’s very common to accidentally let debts and sums of money you owe fall through the cracks.

Are they a legitimate company?

Even though the company bears the name NatWest Debt Collection Agency, you’re right to be suspicious about whether they are who they say they are. There are always people out there who will try and scam you, and one of their methods is to use a company name that is similar to a trusted company.

In the instance of NatWest Debt Collection Agency, they are very much a legitimate company and are a confirmed arm of the official NatWest group. The best way of confirming that you are dealing with a legitimate company is by heading over to the Companies House website. If they are a legitimate and confirmed company, they will have a page here.

NatWest has their own Companies House page, with the company number of 00929027. Their registered office address is 250 Bishopsgate, London, England, EC2M 4AA. Their full title on their page is National Westminster Bank Public Limited Company – or as we know them, NatWest.

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What to do next

If you’ve received a letter from NatWest Debt Collection Agency, it’s advised that you act as soon as you can. The longer you leave it, the bigger risk you put yourself at, with NatWest Debt Collection potentially moving to take more serious measures. 

These serious measures can include a visit from the bailiffs and taking you to court and could lead to bankruptcy and even a prison sentence. So be sure to get in touch with them as soon as you can, and get the process underway.

Gather information

One of the first things to do after you receive any correspondence from a debt collection agency such as NatWest Debt Collection Agency is to cross-reference the amounts they state in their letter with previous correspondence you might have received. 

If the sums in the original letters don’t match up with the amount in the letter they sent, you will be able to use this against them. When this happens, the debt becomes void, and you won’t have to pay it.

Prove the debt

If you believe that the debt isn’t yours, or that it is incorrect in some way, you can send a ‘Prove the Debt’ letter to NatWest Debt Collection Agency. This is a demand for them to prove you owe them money, in writing. You can use a template (such as the ones found here) and post it to their registered office address.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Take notes

Make sure you start noting down the times and the dates of the letters and phone calls that NatWest Debt Collection Agency make. If there is any confusion or misunderstanding further down the line, you will have a wealth of information to prove yourself with.


We answer some of the most frequently asked questions about how to deal with NatWest Debt Collection Agency, as well as answering some queries about debt collection agencies in general.

Should I pay them?

If you know that the debt is definitely yours, and you have the funds to pay them in full, you should pay them. As soon as you do this, NatWest Debt Collection Agency will stop sending you letters and calling your home.

What happens if I can’t pay them?

If you can’t pay them in full, you should get in touch with them as soon as possible to let them know. They will likely allow you to repay the debt in instalments, using a repayment scheme, so make sure you reach out to them.

Will they go away if I ignore them?

No. It is something of an urban myth that debt collection agencies will leave you alone if you ignore them. Debt collection agencies like NatWest Debt Collection Agency are notorious for being persistent, and so they will continue to send letters and phone your home.

Some cases have reported that after a certain period of time, NatWest Debt Collection Agency outsource their debts to private debt collection agencies. So there is a likelihood that this will happen if you continue to ignore them.

Can I complain about them?

If you have reasonable grounds to believe that NatWest Debt Collection Agency has behaved in an unprofessional manner, you have every right to make a complaint about them. To do this, you should send an email to them. If they don’t respond to this direct complaint, you will be able to escalate the matter to the Financial Ombudsman Service.

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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