Hi citezenB, I have an update on this; I sent a Formal Complaint Letter in December. I haven't received any reply though - not even one of those standard letters acknowledging that they have received my complaint. I sent the letter recorded delivery. Should I send them another letter chasing them up and giving them a time limit to reply?

Yep, it's a lot of information to learn on your first time. Yep, I think calling HMRC would be a good thing. Finding a way to get DVLA to cancel the previous export declaration would be the best way.

misok, Something else, if your car has been declared as previously exported from the UK and you never registered it in Chech, it means that you have an unregistered car. DVLA won't want you driving it on the road if it is unregistered and it could cause you a big problem, if you get pulled over. It's probably better to keep it off the road for the moment, if that is possible.

When you import a car into the UK, you have to get a reference number from HMRC - and this reference number has to be given to DVLA as part of the registration process. The problem is, that if taxes and duties are due on the import, these will need to be paid, before HMRC issue the reference number. However, sometimes taxes & duties aren't due, it depends on certain things. HMRC still need to give a reference number, even if taxes & duties aren't due. I'm not sure how the car initially got exported from the UK, if VAT was reclaimed and/or if VAT was paid on it in Chech. Generally speaking, if VAT has been paid on a vehicle before in the EU, it shouldn't have to be paid again. Something important to remember, is you have to tell HMRC within 14 days of importing a car into the country. If you are late telling them, they will fine you £5 for every day over the 14 days - something for you to remember, when they ask you what date it came back into the country. Here is an interesting link for you https://www.gov.uk/importing-vehicles-into-the-uk/vat-and-tax-vehicles-from-within-the-eu . If you decide to speak with somebody at HMRC, in the car imports department, they are generally helpful and fairly knowledgable. Regarding the log book, if the car was previously exported from the UK, this log book would have been surrendered back to DVLA, so the car won't currently have a log book

Peevedostreetly, do you have any updates regarding this? My wife is experiencing something very - where DVLA literally couldn't drag it out any longer if they tried.

misok, Is your friend's car a Chech car or was it from the UK originally. How old is the car?

Cheers Klandestine. I made notes of the conversations I had with them. The people I spoke with in Edinburgh did confirm to me on different occasions that the bank could restore my credit history, if it was the bank's fault. This makes logical sense to me as well. I couldn't have tried harder to talk to them about paying it and when they did enter dialogue with me, they dragged it out for months, thus damaging my history. If they had wanted to purposely do this, they couldn't have done a better job. I'll get the formal complaint of and see what happens. By the way, do you know if they are allowed to inform credit agencies of a default, if they haven't sent me one? One of the people I spoke with in Edinburgh had asked me if I had been sent one, to which I told him no. I'm wondering why he was asking me that?

Great, I'll send the letter and will keep you updated

It looks like this could be a good way to go. How would I go about bringing a BCOBS claim against them - threatening them with one first?

Hi citezenb, I guess I could try writing to him again and then onto the ombudsmen afterwards. I was wondering if there were any technicalities, that would help me deliver a quick knock out blow? i.e. no default letter sent etc? In my experience, there are always 2 balances as well. There was too on this NW account until about day 3/4, then it looked cleared because both balances were the same and I could draw on the funds.

Dear fellow members, Some advice on the following saga, which has been going on for years, would be appreciated. I'll try and keep the explanation as short as possible. In 2011, I deposited a cheque into my NW account. A few days later, it appeared to have cleared because I had available funds showing in my account, so I withdrew some money. The day after I withdrew money, the cheque bounced, which left my account significantly over my overdraft limit. I speak with Collections and suggest that we speak again in a month's time, by which time, I'd have done some figures and worked out how much I can pay per month, to reduce the balance. They were fine with this. 30 days later, they hadn't called me. 32 days later (only 2 days after the 'we'll have a conversation in a month's time date), I receive a 'Dear John, we have closed your accounts and give you 60 days to repay the balance...' letter. I call NW, to discuss the matter and nobody can discuss the matter with me, because the accounts are now 'closed'. I tried speaking with Customer Services, 2x Collections Departments, Customer Complaints, a Previous NW Business Manager, Business Customer Services etc. Absolutely nobody could discuss the matter with me, despite me trying in vain to discuss it with them. A couple of people gave me a phone number to call, which I did. It was an unmanned voicemail facility and I left a few messages, but obviously, nobody called me back. - I could not believe how hard I was trying to speak with somebody about me paying them money and how much they obviously didn't want it - phenomenal, I couldn't have tried any harder! After banging my head against the brick wall for a few weeks and getting nowhere, I sent a letter (recorded delivery) directly to the then CEO, Stephen Hester. In short, I explained my accounts had been closed, I was trying in vain to set up a plan for repayment, but nobody would speak to me and that I knew this would start having a serious impact on my credit history - so please get your skates on, find some common sense and speak to me so I can pay you! I then received a letter from someone in the CEO's office and opened conversation with him regarding the situation, via letters and phone calls (full conversation notes takes). He fully understood the situation, was sympathetic and seemed to be doing something about the situation. The fact that I had found his direct phone number and was regularly calling him seemed to help. He then passed me onto another internal department, that could deal with a repayment plan and rectify and harm done to my credit history. I spoke to the guy there, who seemed a bit vague because he had to constantly liaise with his boss on the matters. Eventually, I found the direct dial for his boss and also their mobile number and I was in constant communication with them. Now I was in communication with 2 different people in the RBS HQ offices (who seemed contactable, had common sense and enough clout to get things done)and things seemed to be going swimmingly well. I agreed to pay back the balance over 3 months and they agreed to rectify my credit history (because it was their negligence that had effected it). I asked them to put it in writing that they would rectify my credit history, because I didn't want to keep my end of the deal, only for them to renege on theirs'. One of them thought they should check with their legal department, before writing me email confirmation of this. Guess what, their legal department tells them they couldn't do it. I then receive a letter from them saying, you have to pay everything back and we won't rectify your credit history and that this is a ‘Final Response’ from them (in complete contradiction to what we had been discussing for months) Maybe I shouldn't have asked them for it in writing, who knows. What I do know, is that while the whole saga had been going on, my credit history had been left on tatters (shows 2x defaults). Some advice on the best way forward would be appreciated. To pre-empt some questions; - They have not sent me any default notices - The amount of the defaults on my credit files are wrong - Having tallied up all bank charges I have had from them since I opened the accounts + interest, it comes to 2-3 times the amount owed to them - They have not been able to send me any T's&C's, overdraft agreements etc, following my SOR request - My credit history deteriated and went to defaults, whilst they were being negligent in not speaking with me and later on whilst people in HQ were speaking with me and were assuring me that they were dealing with things - I went over the OD limit, purely because they let me draw on a cheque that was showing as cleared I really look forward to some good guidance on the best way forward here and thanks in advance

BankFodder, I think I will have to sue NatWest, under BCOB. Please can you let me know how I go about this? Is this a tried and tested thing. Also, other threads have suggested compensation etc. How do you calculate this and include it into a claim?

Hi clondon, I might take this route soon. How did you get on?

Hi Citibloke, are there any developments on how you got on with this?

OK, thanks