Hi
History I started a business and banked with the natwest, I had a loan (unsecured ) never missed a payment until i had a accident at work, I asked the bank if i could have a payment holiday as i was unable to work and had used the funds from my account to pay the loan ,the reply was no holiday but we will lend you MORE so i could pay the loan.
I also had a accident insurance policy and when I submitted the claim i was given 90 days to get a full medical report of my condition , however as this was under the NHS I could not provide it in the 90 days so my claim was void, its something you pay and hope you never need. Can you guess who the insurance was with ? Yep NATWEST. Paid in for years.
Back to the loan, each month i paid them all i could but I had to reduce the payment as our income has reduced. Now I have a ccj and the bank now are going to secure the loan on our home.
I have never tried to avoid paying as i do owe them the money. So if you think you build a good relationship with the natwest you do until you need a little help.
if your thinking of a loan or insurance please don't use the NATWEST. STOP THINK AND GO TO ANOTHER BANK.
Thank you for reading this.
SIMON