After 30 years of custom Natwest's draconian actions taken against me and sometimes unlawfully, for defaulting on my mortgage back in 2015 severely compromised my financial status, and my mental health. They claimed that I failed to arrange a new mortgage product which wasnt true and after removing any online access to my accounts which were not in the red, they closed my current and business account and stopped my charge card. In fact when I called the customer helpline the day after I realised this had been done, there was no record of my existence. Despite the account being in dispute and a SAR requested in January 2016 but not receiving any documents until Jan 2017 NATWEST filed for repossession and was granted permission to do so. However, I turned my circumstances around and with financial help from family I had in fact overpaid by the end of that financial year by £7400. No further defaults occurred and a new mortgage deal was offered that would be for the amount outstanding on the mortgage plus the arrears. It wasnt made clear that there were 7 months of late payment fees of £35, litigation fees for £1036, arrangement failure charged at £995 for which I am awaiting an explanation for as no such failure occurred. There is also the sum of all the money that was in both my current and business account missing from the annual statements which they claimed to have put towards the mortgage when they closed my accounts. I had suffered from severe mental health issues thereafter hence why these issues are being raised now but they were highlighted when I tried to make sense of a persistently very low credit rating ever since the first default in 2015. To my amazement Transunion reported that derogatory remarks have been and may well continue to be submitted by NATWEST regarding defaults on my mortgage. These dont relate to 2015 but to a period starting July 2017 thru to January 2019. Annual mortgage statements from Natwest as well as my current account statements show payments were made in that period. I reported the matter to NATWEST 2 weeks ago and after 4 phone calls I received an acknowledgment of my filed complaint only yesterday. I have spoken to people from Financial support, the credit assessment team have been notified and now its in the hands of the complaints department. I am told this is a very peculiar case and every effort is being made to find the 'missing' money. I have read your guidance on credit ratings in relation to banks reporting but other than filing a written complaint to NATWEST as my phone calls seem to be ignored and another to Transunion, is there anything else I should be thinking of and what kind of redress should i be asking for?

It’s my father who wrote the recent post as he’s got terminal liver cancer and I suggested our best option would be to ask CAG for advice. He posted it before I could write a post-script so apologies for confusion. I’m the elder son and he is just trying to make sure I don’t have things like court cases to deal with posthumously.

Really appreciate that advice. It was a matter of tidying up my affairs and not leaving it to others to have to do so later.

I needed to store some items temporarily and I decided to opt for a privately owned garage that was local to me. It’s easily accessible 24hrs a day seperate to leaseholders apartment. The size of the garage space is 6m x 3.5m (20’ x 12’) equates to 44sq ft. Currently, only 10sq m occupied. I took up 3/4 of the space having been restricted to the area left because the owner had your their own personal belongings still in the garage which was not previously agreed. The concession was made and I never challenged the fact that there was no prior discussion nor agreement about this. Furthermore, I was lead to believe that I had the only set of keys yet there is obviously another set as the contents of the owners belongings has changed from time to time. The security implications are unknown to me and frankly I have I found the space dirty initially which I cleaned up and recently again dust and debris had accumulated in the interim. No effort has been made on the owners part to clean it up. I have informed the owner of the fact that I wasn’t prepared to pay the £100/mth (reduced from £120/mth after 12 months) anymore and they have refused to come to any agreement stating a reduction has already been given. The initial fee was way above what it should have been valued at therefore I don’t concede that this is a true discount when in fact there was overpayment for a year. In view of the average cost for this type of storage is around £24, and taking into consideration that this isn’t purpose built self storage, it’s location in a residential block that states in the lease that no commercial use should be of the garage, no insurance cover in place, it’s small size and that it’s by no previous agreement shared I offered to pay the equivalent of 10sq m at £5/Sq m. This was refused. I have not paid any further rent since 21/4/22. I am sure it hasn’t been registered with the local council either. The owner went to my parents house and I asked him to refrain from doing this as it causes them distress. With my father only recently being diagnosed with terminal cancer and my mother struggling with asthma any contact will be regarded as harassment. He also asked a debt collector to obtain funds from me and I responded by informing him that such action is unlawful. I haven’t had any correspondence from him other than a recent call whereby I had informed him I am in no position to pay him what he’s asked for. He’s insisting on payment and until it’s settled he won’t allow access. Can you please advise on how should I proceed?

I had been a tenant in a block of flats that had parking facilities which were paid for in addition to the monthly rent. On 2 occasions I received a letter stating that I had failed to display a valid permit and was charged £100 for both times, separated by a week. The car was in its allocated bay and was registered with the parking management. I took the matter to the Independent Appeals Service and I have attached it to this thread. I have also pointed out that I’m currently on chemotherapy with a life expectancy of less than 6 months but this has had no bearing on the matter. I’ve thought about court action but might not be around to attend the hearing and wondered if I left it would the matter then be an issue my estate would have to deal with? I loathe these companies who seek to earn a living through dishonest and unethical means. Please advise. Redacted APPEAL.pdf

I should add that I have paid up to the proposed leave date but no further payments until the rate was reviewed.

I rented a personal garage off someone which is in fact residential and not for commercial purposes. We agreed a sum and I have had to extend the period in which I keep the items. However, I asked the landlord to review the rent and writes letter stating that the space occupied is a fraction of what was used, furthermore, nowhere in the contract did it say he would also have some of his items in there. I was led to believe I was the only person to have a set. I pointed this out and also compared prices to commercial storage units. He has not accepted the argument for review and has insisted on full payment. I have not had any formal communications and just received by text that a bailiff is coming to collect : Our ref: xxxx Dear Xxxx We are instructed by Mr ABC in respect of an overdue balance. Visit www.redwoodcollections.com/payment to clear the outstanding amount, quoting reference xxx or call xxxx to discuss the account. Redwood Collections Ltd I have no idea how much for and what period etc. I haven’t received an invoice. - please advise as to what I can do to stop them coming to my home for money. How is it possible that they can with a court order?

Operates and at reasonable more standard times. The zone is B3 and the exact spot I exact spot is here: https ://goo.gl/maps/15h8o5YNRtPai28y5 There are signs but the time was 3am and I definitely wasn’t more than 15mins as I popped into Dr Power to buy a take-away coffee which was recorded as being 3.49. Surely the point here is that the contravention says I never bought a ticket for parking in their car park and they’ve no evidence of me parking in their car park. How they’ve got my number I don’t know. The ‘solicitor’ stated that the bay on Queensway is an extension of their car park. I can’t see how that is legally possible, nor is that compatible with this street being monitored by Westminster Council. (Other forums eg MSE 2 Feb 2021, an almost identical complaint from a driver who did as u did also got threats of court action and was put down to it being a scam.) The concern I now have is how this has been now been referred onto dcbl (Debt Collection Bailiffs Ltd). i Queensway Fine- Dcbl letter.pdf

The first thing to say is that I assumed that this area was monitored by Westminster Council and when I looked up parking it didn’t say anything about Regents Parking being involved and in fact there are paid bays further down that the council oper

I was sent a speculative invoice from this parking company stating that I never paid for a parking ticket in their car park. I appealed the charge and stated that they had no evidence of me going into their car park which is several units up the road from where I did park. I stopped in the early hours to grab a hot drink from a 24hr cafe and parked in a bay on Queensway. There were no signs stating it was pay and display, that it was private property which in my knowledge still is a public highway under Westminster Council. The signage was loading bay only and did state that this was allowed between the hours of 7.30am - midday. I didn’t think at 3am that I would be ticketed by a warden unbeknown to me as there was no signage that CCTV was in operation. In essence, my appeal was rejected and I received a bizarre call from their solicitor stating he was going to escalate it to the courts. I stated that my position remained the same and I wasn’t prepared to answer more questions over the phone and the matter must be conducted in writing. I’ve received another threatening letter (please refer to attachment) ANSWERS TO YOUR SET OF QUESTIONS: 1 Date of the infringement 06/04/2022 04:04:07 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 08/4/2022 3 Date received 13/04/2022 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? N 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? yes - unfortunately the appeal was submitted online and I do not have a copy of it suffice to say it was sent off three days after receiving the original notice. In the appeal I state that the confirmation did not occur because I did not park the car in the car park. Have you had a response? yes - he's came in the form of a phone call from the alleged solicitor. No written formal rejection has been received. 7 Who is the parking company? SolutionsLab via Regents Parking 8. Where exactly [carpark name and town] Its is stated that I was parked in Queensway Car Park which isn’t strictly accurate as they are situated on 26 Queensway and is a purpose built car park whereas I was parked in a bay approximately opposite 37 Queensway, Central London W2 4QJ For either option, does it say which appeals body they operate under. POFA2012 and IAS I received a phone call allegedly from the solicitor who warned me this would go to court to retrieve if I didn’t pay. I said that I wasn’t in their car park, the photo evidence is clear to which he replied that the parking bays are also considered as part of their car park. The street signs make no reference to paying parking, if anything they say new street restrictions and state only loading between the hours of 7am - midday allowed. I also received a letter dated the 10tJune 2022 from CSB solicitors based in London. Queensway LBCA_CSB Solicitors REDACTED.pdf