Your are welcome! Consider also doing a CCA request for the loan, and possibly a SARS request for everything to get all data information they hold on you as an individual. Information and template letters can be found in the Library on this site. Read, read, read! Golden rules: do not speak to them on the phone, everything in writing so you have a paper trail, do not sign anything with your real signature - only digitally. DT

This is only my personal view. I would not believe or trust a word they say. I would not give them another week, to see what they come up with. I would not tell them I am feeling stress. You are most likely going to be kept dangling while they add more interest, and will just get more letters of the same ilk. Like many others, I have a stream of such letters from banks. Have you spoken to the National Debtline? If not, I recommend it. Their details can be found online. Complain to the FOS. Start getting more pro-active, and you may well start to feel a lot better. As we all know, this is a horrid situation to be in, but as soon as you start to get information and take back a bit of control, it is morale-boosting. Read as many threads on here regarding your bank as you can; it will be confusing at first, but adds information for you, and each case is different. I think you need the more experienced Caggers as I said earlier, so I hope the likes of Andyorch, PriorityOne, among many others will pick this thread up. Good luck DT

Bounce!!!

I believe at this stage, as they have not resolved the formal complaint within eight weeks, that you are entitled to make a complaint to the Financial Ombudsman. It would be helpful if you could post up any more details that far more experienced Caggers than I may ask for , as I am sure some will be along to help. Examples may be, where is the debt to NatWest now held - at branch level, Collections, or CMS Telford. How much is the debt now - could they, for example, continue to be adding charges until it goes over £5000? Under no circumstances phone them, or speak on phone if they ring you. Insist everything is in writing. Do you for example have written evidence that they advised you to open another account? Have they given/sent you a copy of their Complaints procedure? It may also be a good idea to check your Credit file - you can get a free account with Noddle (Callcredit) if they are still offering it. Perhaps a strong letter to them saying you want the issue resolved in seven days, or you will complain to the FOS, sent Recorded Delivery, may be in order. This affair of yours sounds a bit messy, so see if other Caggers come forward. Regards DT

tame

list

That

Pear

Lone

Rats

tame

Evening all... kale

Sour

Ripe

lair

bait

ales

leat

late

yarn............(be charitable now, it's Sunday....)

tray ----(I am that!)

tart ----- (no way!)

trap

hazy

clay