Hi Guys, My other half had a business but it had to be shut down a year ago as she has breast cancer. The current overdraft debt is £11,800, agreed limit was always £10k and i have just come off the phone after they have refused to issue a plan as my income and expenditure has not come out favourable to them. We have a debt management plan in place for some personal debts and that has worked great as my partner has not been working. We could afford about £80/month for this business debt but they want £229! Over the last year they have been piling on the charges which equate to about £2000 and we have paid in very little. They basically just said legal action will now be taken. Hopefully early next year my partner can start work again and we will be in a better position. Anything you can suggest?

Hi all, I have recently gone into my local branch of Natwest to discuss setting up a business account for a new business venture I am looking to set up. The business is in relation to Botox treatment and i was looking to set up a salon with my friend. The branch manager questioned me on what qualifications i needed, who did my training, where my training was, how much it cost etc. I thought at the time this was a bit odd but nevertheless answered his questions. This all took place approximately 1 month ago. Since then the bank managers wife who owns a dental practice near where i live, has now started to offer Botox treatment from her dental practice. I phoned up the dental practice to find out a little more as this seemed a little too coincidental. The botox practioner who i spoke to advised she had recently done the training, advised where she had had the training and the person it was with. I was shocked to find she had recently gone to the same company i had used for the training and was also trained by the same girl who trained me. I feel this branch manager has totally breached some sort of confidentiality rules but as I am a lay person in the street I am unsure as to how best approach making a complaint or even if there is one. Any advice and guidance would be most appreciated.

Help, I paid a cheque into my bank account on the 31st August and paid £15 for special clearance, (it was for a car i bought which had to be returned since it did not match the description Sale of goods act etc..) I was informed by staff at branch that i would hear whether the payment would be ok in 1 working day. Since i paid the cheque on friday had to wait until monday, Didnt hear anything from bank untill wednesday when i was told that the cheque had been sent to the wrong place and had not be processed. Since then they cannot find the cheque and have as a gesture of goodwill (according to them) given my back my £15, but have said hard luck get another cheque its not our problem and that now a stage 2 manager is stating that they did do things correctly and that it was sent to the right place, however the person from a processing centre that called me on wednesday said they had sent it to the right place. I had to get trading standards involved for getting my cheque in the 1st place how can the bank just say sorry and sort it out yourself. I have made myself very ill over this and have had to borrow money from my son to pay for things. The bank have said when i get another cheque, they will process it, other than that hard luck What do i do? Kind Rgds

Okay, so I have an Advantage Gold Account with Natwest which was upgraded from my Step account which is a joint account with my husband. I was given an £800 overdraft which has snowballed into a £5,000 debt (all charges) due to me having to give up work to look after my 2 disabled children. Yes, stupidly I have brushed it under the carpet as I cannot afford to pay it, although at no point have Natwest asked for any money back until now. Natwest wrote to me last week with a default notice, and notice of closure of my savings account and my current account and also my husband's business account even though this has nothing to do with him, the account was in my name only! They also mentioned the right of offset which has sent me into a blind panic. I have been trying to find another basic bank account and I am failing miserably. I really don't know where I stand on this one, I don't think I will qualify for hardship. I have tried really hard to stay out of debt and I am terrified that are going to want huge repayments from me which i cannot afford.

having read through pages and pages of your advice etc to others, i have sent in a letter to my bank natwest to cancel permission to take any money from my cards, cancel the cpa etc, has anyone had any luck with natwest? my wonga is due next week and i cant even afford the extension of over £250, my wife is seriously ill and we are on one income so CANNOT pay it, after many sleepless nights have decided i just cant take another loan just to pay the extension, have secured my wages, they are going into my wifes account, but havnt told wonga yet, do i do this the day the repayment is due or before? email them? ask for repayment plan? what are they like to deal with? will they ring me at work and if so can i stop them doing this? any help most welcome

i challenged the natwest about bank charges in 2006 on a current account with a £500 o/d facility. at the time it was about £200, so the account lay dormant whilst this was challenged by me and the whole lot was put on hold. .then natwest continued to apply charges to the account and defaulted it with an outstanding amount of over £1800.. .bearing in mind the account was dormant from just under £500 o/d and i was continually challenging both the bank and all the silly collectors it employs . .72 letters in total and god knows how many complaints about everything, in the end they said will not collect and will close the account. .i presumed they would delete the default but instead they marked it as satisfied. .i never checked as i presumed they had removed the default and markers.. . it is is due off in december next year. since i have discovered the info on a recent credit check i wish to challenge the default and wonder if i can challenge it under bcobs as the default was before 2009, but the info is still on now so surely i can use bcobs to challenge it right?

I have just sent this to the NatWest complaints department, but I thought I'd post it here too so that people can see how bad their service is. Here it is: I am a mature student and I have just finished university. I have just taken a new job and I was looking to open up a new current account with NatWest. This was largely because a friend has told me your online banking was good and I've had major problems trying to get my existing Barclay's account to work online at all (after literally 7 failed attempts I've given up, they simply can't seem to sort it out so I'm changing banks). I first tried to create an account online, and that seemed to work. I was sent the following email yesterday (12/06/2012): ----------------------------------------------------- Dear Mr ***** Thank you for your application We're pleased to confirm that we've received your application for our Select account. Please note your application reference number: ********** What you need to do now We need to confirm some additional information about you. Below you'll find details of the documents we need to see. All you need to do is bring them to your local branch along with your application reference. We've saved all the details you've given us so far, and your customer advisor will be able to help you to complete the application process quickly and easily. Bringing your documents into a branch is the quickest and easiest way to complete your application. For details of your nearest branch, use our branch locator. Can't get to a branch? If you're not able to visit a branch, you can send the documents we need by post. This does not include valuable documents such as your passport. We've sent you a letter explaining how to post documents to us, together with a prepaid envelope for you to use. The letter also explains what you need to do with the documents that can't be posted. The documents we need from you Please note that we can only accept originals - we can't accept copies, even if verified. To complete your application, we are legally required to confirm your identity and where you live. To do this, we need to see one item from Table A and one from Table B: Table A (to confirm your identity) Table B (to confirm your current address) Current signed Passport EU National ID Card Current full UK photocard driving licence Current full UK driving licence (old style paper version) UK Armed Forces ID card Police Warrant Card From HM Revenue and Customs: Coding Notice or Demand Notice Disabled Persons Tax Credit Notice National Insurance contributions account statement From the Department for Work and Pensions, notification of your entitlement to: Child Benefit Working Tax Credit Child Tax Credit Pension Disability Living Allowance Income Support Incapacity Benefit Only if you are under 20 Birth certificate NHS medical card A statement (no more than 6 months old) from your: Bank Building society Credit card provider Mortgage provider A utility bill (no more than 6 months old) for your home e.g. gas / electricity / water / telephone / cable services / satellite TV. We can't accept your mobile phone bill or TV licence as proof of your address. A document from your local authority (no more than 12 months old, valid for the current or the upcoming financial year): Council Tax bill or demand Rent Book/Card Don't have all the documents you need? For a full list of valid documents, go to [won't let me post links because I'm new - deleted] What happens next? Once we've checked the document(s), we will complete your application and as long as everything is in order we will confirm your new account details. We’re here to help If you have any questions about your application, ask at your local branch or call us on 0845 3030 299. Calls may be recorded. Yours sincerely Signature Allan Hardie Current Accounts --------------------------------------------------------- So all seemed well. As I said, I have just finished university. I am still living on campus for another week, so I went into the NatWest branch in High Wycombe, which is the nearest to the university. I took my passport and a bank statement for my Barclays account from last month with my home address on it (which is the one I provided above, in Putney). Upon arriving, I gave them the number provided in your email to me and they told me that it was not showing up on their system. I asked the woman behind the desk if it would be alright opening the account in Wycombe, when I actually live in Putney and would be moving home next week. She said that it did not matter. This was further backed up by the email you sent me, which said: "Bringing your documents into a branch is the quickest and easiest way to complete your application." Clearly implying any branch would do. Since they couldn't find my online application in their system, despite me already having the confirmation email (which I showed to them on my Android), they photocopied my documents and told me someone would call me the next day. The next day (this morning) I was called up and told that the online application had vanished into the ether and that I would have to come in and set the account up manually. I made an appointment for 4pm. At 5 minutes to 4pm, I went into the bank and no one was at the front desk. So I waited patiently for someone to come and assist me. I waited a full 25 minutes, till 4:20pm before a man came out of an office and asked if he could help me. I told him I had an appointment for 4pm and he said someone would be right with me. At 4:30pm, half an hour after the agreed appointment time, a woman finally appeared from the back and came to help me. I saw no less than 4 different people come in, wait at the front desk, get angry and then walk out between 3:55 and 4:30. I considered doing the same thing but I wanted to get my account sorted out so I waited. So I went into this lady's office and after going through the required legal speech she looked at my documents and noticed that I live in Putney. I said yes, as I already told the other lady yesterday, I have just finished university and I will be going back home in a week. She said that I should open the account in Putney, not in the Wycombe branch. That really was the last straw for me. I was told twice, once by your email which I have shown above and then again by a member of staff that the branch did not matter. I specifically asked this question the day before so that my time would not be wasted. And now I am told that, in fact, my time has been wasted and that both your online service and the Wycombe local branch are completely useless to me. At this point, it was 4:40 and I'd had enough so I left. You may be interested to note that I walked out of NatWest and straight into HSBC, which just up the road. I went online on my Android to the HSBC site, applied for a current account with them, got a similar email to the one you sent me about a minute later, showed my documents to the lady behind the counter (they actually had someone serving people, unlike your bank did today) and managed to get everything done before 5pm. The fact that I was moving back to Putney in a week didn't bother them a bit. That's less than 20 minutes. I waited longer than that at NatWest for someone to even acknowledge my presence and I had an appointment! I don't expect a response, but I thought you should know why I am angry. I can only imagine how many others feel exactly the same as I do but couldn't be bothered to write out a lengthy complaint. I know I saw several of them storm out of your Wycombe branch today because there was no one working the front desk. Terrible service, employees giving me contradictory information, and ultimately wasting huge amounts of my time. Appalling.

Hello guys. I have just had a response from the Natwest to the SAR i requested on the 15/05/2012. basicly all they given me is a small table of the 6 loans i have taken out since 1995. which includes start date of loan, account number & sort code, the amount of the loans, closing dates, and the insurance premium (at outset of the loans). I think this is just a way of delaying the process as it says its only a summary, and if i still require a full SAR or copies of the agreement to send back the £10 payment and to let them know what i need. dont get me wrong but wasn't that covered in the original SAR! Dont i need to know the APR, the monthly payments etc. The total sum of PPI paid is £5735.00 plus the 8% interest and without the information i have no idea how to work it out. Is there a template letter i can send them, or is there anyone else who has dealt with this situation out there that can give me some advice on my next move. any advice would be greatly appreciated. thanks guys. dave

HI I opened a business account with Natwest last year. I was not fully aware how long they took to clear cheques into the account / how long before cheques I write are paid out, so I received a number of refused payment fee's amounting to £35 each. I have spoken with the bank about these charges and the simply stated 'i was aware of the charges when i opened the account', and provided no further assistance. Due to charges, the account become overdrawn, which of course, added more charges!!! Is there anyway to claim these charges back as being so high / excessive? I have had one company try to debit money over 3 months, which were bounced (i notified them in April with a new bank account to use but they continued to try to deduct from the business account). This also caused 3x £35 fee's. I have written to them to ask for the refund of these charges as it was their error for not activating the new account details and i await their reply. BUT, This obviously effected my credit file and fee's with the bank - is there anyway to have these removed from the bank records as not my fault? thx

Hi guys, I just wanted some advice. I have a Natwest credit card and I went over my limit in July by £1(!), and so was charged an over limit fee of £12. I paid this off only to discover that this fee has been rolled onto this months statement.. meaning that i have to pay another £12 for no reason! So I went onto Natwests online chat to clarify why this has happened and this is what they told me.. "your statement was produced on the 25/07/12 the account was over the limit, the august statement period commenced on the 26/07/12 at this point the account was still over limit until 27/07/12 when you made a payment was received on the account" The fee was applied to my account on 25th July, which I wasn't made aware of until I checked my account on 27th July. I am not someone who checks my on-line account everyday but surely I should have been given a few more days notice to be able to pay off the over limit fee so that it didn't roll over to the next month? Am I able to claim this fee back or at least cancel the fee they have rolled over to this month? Many thanks for your help in advance

Hi, I have a current plus account with Natwest although I no longer use it as my day to day account- I have an account with The Cooperative Bank. I'm currently £650 overdrawn but within my overdraft limit, and I'm paying this off as much as I can. In 2009 I was in a bit of financial difficulty and they charged me for going over my overdraft limit. I'm just wondering if it's possible to claim these charges back. And if so is there a template that I can use to send them. Thanks!

I had two NatWest debts. £3k overdraft £17k loan I entered into repayment agreements with first NatWest, then Triton, now a firm of solicitors. All their letters quote BOTH account numbers. I'm up to date with payments. I recently discovered that they raised a default on the overdraft in February 2011. When I asked why they replied that all my repayments have always been set against the HIGHEST debt, i.e. the Loan. Which means the Credit Reference agencies are showing NO ATTEMPT by me to clear the default! When I discovered this I started paying NatWest DIRECTLY towards the overdraft; this was in addition to the normal payments. THEY TOOK THESE TOO AND ALLOCATED THEM TO THE LOAN ACCOUNT! Surely this practice cannot be right / fair? What can I do?

Hello All, I am justabout to start a claim for missold PPI for four loans which consolidated into oneanother taken out with Natwest. The loan is due to be (finally) paid on 1October (very exciting). I am just getting all my ducks in a row and have a fewquestions, I would be grateful if anyone could provide any advice. All fourloans had PPI and were single premium as far as I can tell. I have the creditagreements for all four, I always knew there was a reason I kept paperwork! Ihave input the data for each loan on the loan progression spreadsheet. 1. I haveinput the figures on the loan progression spreadsheet including the PPI amountis this correct? Or should this exclude PPI? Do I need this spreadsheet to goin with my paperwork? 2. ThePPI amount unpaid at the consolidation has been rolled over into the next loan.What should I be doing about this? If anything? 3. I havecompleted the PPI calculation spreadsheet. I have included all four loans onone sheet. Should this be one sheet per loan? 4. I amin the process of completing the FOS questionnaire to send to my bank with acovering letter. Two of the loans have reference numbers on them, two of themdo not. I do have an account number for the loan which is currently running.Can I use the questionnaire to cover all four loans or do I have to completefor each one? Theinitial loan was taken out in person at the Bank and I was missold the PPI. Thefurther three loans were taken out over the telephone. I never needed or wantedPPI but ended up with it anyway! I thoughas I had so much of the paperwork/information I would be better off writing tothem rather than doing it over the telephone. I amreally grateful to this website for provided such a wealth of information andhelp. I am not in any way financially minded, which is probably why I ended upwith four loans! Anyway, Iam much older and wiser now! Thanking you in advance, Kat x

Hey The past few months i've incurred bank charges with Natwest totalling around £70-£80. This is in part due to my financial circumstances and been unable to cover bills etc of which i am trying to get back on top of. Anyways, just wondering how i would go about asking for a refund of all or part of these charges as i'm unsure with this lot. I used to bank with Nationwide and requested a refund through online banking, which they did accept in the end. Any advice would be appreciated.

Hi all, I had a loan with Natwest probably around 2004/05 and wasn't sure if I'd been sold PPI or not as I didn't have the original paperwork. I decided to use a template from Money Saving Expert asking for a copy of the CCA agreement and enclosed a cheque for £1 to cover the costs. Today I received this letter: "RE: Request for information under section 77 of the Consumer Credit Act 1974 I refer to your letter of 12th July 2012 making a request under s. 77(1). Our policy on disclosure to customers of information contained in our records is that we will comply fully with our legal obligations. These legal obligations arise under the Consumer Credit Act and the Data Protection Act. Under the CCA we will act on a s.77(1) or s.78(1) request if the regulated agreement has not ended. We will also comply with a subject access request made under the DPA but that will not include providing personal data contained in manual archived files as these files are not structured in a way that they are a 'relevant filing system' for purposes of the DPA. You are made aware of this so as not to raise your expectations that a subject access request will produce copies of agreements relating to repaid loans. As you no longer have any active loan accounts we have no obligation to provide the information you request. Yours sincerely, Signed Julie O'Brien Senior Business Associate." So, it that that with this? Or can I challenge this or take it further? Thanks for you help, it's greatly appreciated

Hi, I run a limited company and suffered some financial difficulties within the last three years which meant our bank Natwest (RBS) piled loads of banking charges onto our account meaning our overdraft was used and we could not get out of it. At the beginning of 2011 they decided that they wanted there overdraft back and it meant we had to pay up in full (£10,000) or face a default judgement (ccj). We couldnt afford this and ended up with a ccj on Oct 2011. Natwest wouldnt reduce our overdraft gradually nor allow us to pay over a period of time. This ccj was passed to me directly as I was the guarantor for the overdraft. We are / were let down by the reccession and RBS losing money and pulling back their credit facilities. This ccj has caused us many problems and has caused us much financial restraint affecting our earning potential and has put our business in serious trouble financially. We know we were not great before having to use our overdraft but they have not helped us during difficult times. Do we have a potential case against Natwest for unfair charging and not trying to help us as a business after 10 loyal years with them??? We urgently require help in recovering our losses and charges paid. Is there anyway of getting the CCJ overturned 9/10 months in? We are paying monthly repayments, but are nominal due to our hardship. We have been charged £8,500 in bank charges over the last couple of years which made our overdraft always active. We are still trading but for how long im not sure. Even without the Ltd company I still have the ccj personally. All advice and leads greatfully received. Are there any legal avenues we could try? Thank You in Advance

Two or three months ago, I sent Natwest a claim on account of their penalties and charges on my friends account - I also included the £10.00 SAR fee, although I didn't try to get interest on that, as it's very recent. They were having none of it, they said "No, we are not allowing this, you cannot use the interest rate that you are using", [it was the one on the claim form downloaded from here, without looking it up, I think it was 28% or similar], "we only charged 19.164%" They then went on to say that the £10.00 SAR refund was nothing to do with them, it would be refunded by a different department, [That's it, pass the buck] They sent a revised amount which was only a few few quid less than the claim, it still left over £200 balance, and I wasn't having any of that! So I sent about two or three further monthly payments of £1.00, and then I calculated everything again, this time using their interest rate of 19.164%, then once again, sticking the £10.00 on the end of the total. It came to £289.42, against a balance of, [their figures], £291.34, a shortfall of £1.92. So, in June, I sent them a cheque for £1.92, and the calculation sheet, told them that I've heard nothing from this "other department" regarding the £10.00 refund, and suggested that as I have no other NatWest addresses to deal with, they should get the "other department" to claim the ten quid from the claim, and do an internal transfer, [saves postage - can't be bad!] Also said that as far as I and my friend are concerned, that's it, we are square. Today, the next statement has arrived - they've cashed the £1.92, I knew that, but they've simply knocked the £1.92 off the total, leaving £289.42 !!! Do you think that they are stupid, not speaking to each other, of being deliberately obtuse? More to the point, what do I do? Sam

Anyone else?

I have put the thread on behalf of my fathers business, he has recently faced issues with a change in bank manager.The manager opted to takeover his accounts, losing my mother 2 years ago meant properties were transferred into my father name. The properties have fixed rate mortgages, since the new manager has taken over he is forcing my father to sign a new contract with new higher rates! This will kill my fathers business as the increase in rates would mean the rental income would not cover the mortgage payments, the manager is well aware of this and is very bold in not wanted to do anything. The way i see it this guy has taken advantage of the properties after my mothers death and clearly does not want to help us! I hope I dont meet this guy because he deserves everything he gets! Any help would be much appreciated thank you guys as you can imagine it is a very stressfull time for me as my fathers business is mine and him failing means Im failing and I wont let that happen!

Hi All, I’m new to this forum and would please like some advice if at all possible. This time last year I got myself into a lot of trouble with payday loan companies. I could not keep up to date with all the payments and extortionate charges were added. As I could not repay them all, they would empty my NatWest bank account as soon as I got paid, like dogs fighting over a bone. All taking whatever money they could get out of the account. This in turn left me with no money to pay mortgage, loans etc... I spoke to NatWest and they stated that they could not stop these companies taking money as they had my card details. As any logical person would do, I cancelled my card, this did not stop the same happening the next month. After this happening for a couple of months, I received a letter stating that the account would default in 28 days, as I had missed several monthly payments on my loan and lots of NatWest current account charges added. I contacted NatWest and explained my problem again to the collections team. I was advised by them that I should open another account and allow the account to default, once this had happened I could arrange a reduced payment plan for the debts owed to them. I took their advice and opened new bank account, with a different bank, with wages paid into them. This allowed me to set up payment plans with PDL companies and start to get by finances back on track. 28 days past and no default, instead lots of charges added to my account. I phoned the collections team and went through the whole story again. Again I was advised to let the NatWest debts default. Another default letter arrived about two months later, stating the account would default in 28 days. Again after 28 days the account did not default and more charges added. I finally decided to make an formal complete, stating that I had not been advised correctly and all the stress I was under regarding this issue. The complaint was made over four months ago. I keep receiving letters stating that the complaint is taking longer than expected and further time is required to investigate. This has happened three times. The whole episode has been going on for roughly a year and still nowhere near conclusion. Is there anything I can do to take this matter further, because the stress is becoming totally unbearable? Thank you for taking your time to read my dilemma and feel free to add any helpful comments. Please help!

Hi i took a student overdraft out with Natwest 20 years ago,when i left uni i couldn't pay it back and it got passed onto there collections agent i've been paying 10 pound a week off this debt for at least 10 years now and the debt is currently about double what it was when i started paying it, a 2500 overdraft is at nearly a 5000 debt now as they still keep putting interest on and probably charges too, i don't know as i get no statements or anything from them, is there anything i can do as i have easily paid off the original debt but have nearly 5000 worth of bloody interest left to pay, its ridiculous thank you in advance Tracey x

hi all , have been paying jacobs baillifs £20 month for old council tax and use there automated payment line , it was due on the 20th of june and tried paying on 18th but as natwest were having problems i couldnt pay it . tried again several days later and again on the monday but no luck . forgot all about it until later that week and payment was successful . Now this morning i have had a letter from jacobs saying that as i havent kept to the arrangement i now have 4 days to pay in full otherwise a bailliff will come to my property and more fees will be added , i have only £173 on one and £701 on the other so really dont want more fees , is there anything i can do as i did try to make payment .

Evening Gaggers Today I was going to check my bank balance on the web and when I've done this previously I always have to click on LOG IN button on the top right. However today it went to another page,it was still the NatWest 'page', requesting personal information, name, address etc as it stated my details was out of date!! Of course I didn't continue as I suspected something 'fishy'...have any of you experienced the same?

I've requested documents under the CCA, and had enclosed the standard £1 postal order. My letter and fee have been returned stating my signature is required before they can proceed. I've read elsewhere that signatures are not needed and are discouraged from being included so that they cannot be used or falsified in documents. Can anyone advise as to how I should proceed please? If I resend this unsigned again (they've sent an alternative address to send to), will the original date it was sent still be valid for their statutory time limit? Many thanks

Hi, I've not posted for absolutely ages on here as generally thanks to you guys I managed to get myself back on track with everything. Since 2007 I was in dispute with Natwest over my personal current account, which had incurred charges. They put the account "on hold" whilst the test case happened and to be honest I didn't think about it much more as they said they'd be in touch when the test case was resolved. They didn't get in touch until the beginning of this year, during which time I found out that whilst the account was "on hold" they'd added £5k of charges and interest to it! Bearing in mind they hadn't contacted me about it for quite considerable amount of time, they certainly pulled out all the stops - Threats of defaults, immediate payment, account closure, debt collectors etc. They even decided "my relationship with the bank had broken down" (their words) and decided to give me notice on a separate unrelated business account which was in good stead and had never missed a payment on the business loan - they insisted that loan was also immediately repaid! Thankfully I'd been lurking and reading up on the BCOB developments and adapted one of the letters threatening to take them to court for breach of BCOB's They "investigated" my account for what seemed like forever, before finally coming back with a full refund of all charges and interest, and reinstatement of the business account. oh, and £80 for my troubles! If I wasn't so weary of the fight I'd probably have pushed them for more than £80 but to be honest I'm so pleased it's over I'll just leave it be. But if you are stuck in a dispute don't be disheartened, do read up on the BCOB options and give 'em hell! All the best, BTONBADGER