It was all charges, my conversations with Natwest were all decent, they even repaid a few charges since they didn't make sense to keep doing it when I explained my situation.

The plan IS to phone them yeah, I shouldn't?

Put something in about a year ago, it I was overdrawn for about 400 until Natwest started to contact me. I'll see what Natwest say tomorrow anyways I guess, ty.

So any ideas?

Didn't pay Natwest a penny as there was no repayment plan setup in their error and not once written to them regarding the overdraft. About 2 years since I went over the overdraft limit.

Hey there, Just had a call from a relative from a previous home address telling me Allied International have a 'urgent personal message' for me. So I google'd who there were before calling and thank god I did because it led me to a long thread with years of history on these forums. First of all as of a few years I no longer live in the UK, I now reside in France everything written below has happened since I'm in France. I'm 99% sure its to do with an overdraft I have with Natwest, after a few conversations months ago where Natwest had setup a repayment plan with me then just before the first repayment date they wanted me to contact them again. Turns out they had no record of any repayment plan had been setup and there were no notes on my account. The conversation with Natwest was left at them getting back to me with a 'report' into what happened with the missing repayment plan. So here I am months later, went to check my balance online 2 days ago with Natwest and now it won't let me in giving me errors and today I'm told Allied International have an 'urgent personal message' for me. It seems like the first thing to do now is ring Natwest and ask what's going on right? It could be too late since Allied are now trying to contact me. They don't have my current address, telephone number or anything. So that's my wall of text, just asking for advice.