Hi All, I know this forum is about getting yourself out of debt, but I'm at a time in my life where I'm getting married so applied to my bank (RBS) for a loan of £2,000. A small sum for a quiet wedding. I have been a customer with them for years and have always been on good terms. They declined me, for reasons unknown - they know how much I make as they process the wages!! Their website doesn't have appeal information so was wondering if anyone could help me out?

Hi My gf has some debts, and she is thinking of trying the same thing. One of the debts has put a ccj in place on the house value, and the creditor is listed as solicitor so anything we can do there? i thought id ask just to be sure thanks

I made a successful claim on a Natwest credit card some years ago. Today I received a letter from RBS advising that my claim had been investigated and I was due more redress. What is the connection between RBS and Natwest?

Good evening all, I'm a long term lurker here, but this is the first time I've dared to write in.... Around 2010/11 I had a bad relationship breakdown which lead to the usual problems as a result I got myself into a right financial tangle with about 8 defaults of various sizes and kinds. I now have only 4 left, 3 of which are due to fall off within the next 5 months so I'm going to just leave them alone. The last one won't fall off until September 2017 and is for circa £2,700 which was an overdraft with RBS. I stopped using the account because I got sucked into a never ending cycle of charges and charges, which amounted to hundreds of pounds a month. I would say that total charges I paid over around 18 months would be very close to the default amount, if not exceed it. My situation now is much improved, I'm earning 60% more than I was, and considerably happier. I have a new partner, and we're looking to buy our first house together. This final RBS default is obviously a stumbling block though, and I'm not sure what I can do. Any advice would be much appreciated,even if it is only to suck it up for the next 18 months! Many thanks in advance, Rob

HI, I have received a 'Formal Notice of an intention to file a default' from the RBS with the 28 calendar days running out TODAY! I have been in the middle east for 5 weeks and have just seen this letter. Can I ask for an extension to respond? If so, do any templates exist to help? Thanks

Good evening, Is it possible for RBS to reply to a PPI reclaim company enquiry that PPI could've been added to accounts but may not have been paid,

Hi General info required. Received ppi letter saying the ppi amount will go to old arrears account. I am no longer a customer for over 8 years. Statue of limitations apply regarding old debt. Received no yearly notification of debt. No court action over debt Credit file of debt removed after six years I have a SAR paperwork from 2012 Am I still entitled to the payment.

Hi All, new here but been a reader for years. This is complicated and im out of my depth. A couple of years ago my long time friend had problems with business and life, (approx 4 to 6 years ago.) His business went into liquidation and his marriage broke up all at the same time. He came to stay at my home for about 8 months while he sorted himself out emotionally having no where to go. When his business failed he had a personal guarantee for the overdraft on his business. ( this was a gray area for him because at the time he stated he wasnt sure if he did or not) more one this on request. The over draft was £25.000 He had a personal account with the same bank, and this is when it became clear he had personally guaranteed the overdraft. About 6 months after his company went into liquidation he went to the cash machine one day to retrieve his benefits payment and it had been frozen. He rang the bank and was told, they had closed his account due to the debt owed to them by his ltd company and they no longer wanted to do business with him, He was told all he could do now was to wait, and they would be in touch. For the remainder of the time he lived here, he heard nothing from anyone. He also had another debt of a credit card (an old goldfish card which he defaulted on when his bank account was closed). This is where I come in, He moved on and ive only seen him a couple of times since, due to my failing health, and not at all for the last 2 years. About a year and a half ago, letters started arriving for him i put them all to one side for a while. Then the debt collects stated to knock on my door. Im bed bound and I have carer's, im paralyzed and having a big health problem currently. I have to communicate with these people through my door entry system, or allow them to come to my bedroom and all that entails.. I have had constant harrassment, Every time I explain my situation. Tell them he isnt here. They have contacted my neighbors, a couple of months ago, the local drug dealer knocked at my door, at 11pm at night, to tell me he had a call from a man regarding my house and who lived here, and was given a phone number for me to contact him on. This has in this situation left me very vulnerable. ive had calls from 'parcel force'' tried to deliver a parcel for this man, does he live here?? Each time there was a letter, ive contacted the senders, a door knock, ive explained the situation. Asked them time and time again to stop. one of the companies chasing him told my carer and me, as long as he owes us money, we will carry on coming here. Ive been told he owes money, I was told they spoke to his son.. (didnt even know he had one). They also said he had taken credit out at this address within the last 3 months.. (which is a big concern to me) I cant seem to make it stop. The last contact i had was by phone direct to the company sending out these collectors, I explained everything above and was told no one else from there company would come. Yesterday a hand delivered letter came through my door, addressed to 'friend' I opened it concerned about all the above, and its a statutory demand. I assume from the same company that has done all the above. It states he has 18 days to respond. I have contacted everyone i know who might know his present where abouts but as yet havent had any contact from him. But im trying here to get the ball rolling, because if he doesnt sort this out in the time scale, i dont know what the consequence will be for him, or me! Any advice? I know a lot about the problems he faced, and the 2 debts he has, because i helped him through the breakdown he had when all the above occurred. Back when these accounts closed, he got nothing, from the bank, or the credit card.. no defaults, no notice they would close his personal account. oh, and one last thing.. when they shut his personal account down, the lumped the personal overdraft debt, to the business debt, and it seems they are claiming for both together. Many thanks, i know its long winded, but been going on for years.

Royal Bank of Scotland has been ranked bottom out of more than 30 rivals for customer satisfaction, despite pledges by the bailed out bank to improve its battered reputation. The survey, carried out by consumer group Which? between September 2015 and January 2016, asked more than 20,000 people how satisfied they were with their current account, savings account, credit card and mortgage provider. As well as placing RBS last, the results put NatWest (which is owned by RBS) in the bottom 10 alongside Barclays, Bank of Scotland (part of Lloyds Banking Group) and Clydesdale, which was recently listed on the stock market. Lloyds is tenth from the bottom. Which? said the gap between RBS at the bottom and First Direct, owned by HSBC, at the top was 21 percentage points, illustrating the battle faced by the 73%-taxpayer owned bank. The consumer group published the survey as part of its campaign to encourage the Competition and Markets Authority to rethink its ongoing investigation into the banking sector. Which? is concerned the competition watchdog is too focused on encouraging customers to move between providers rather than on dealing with the way banks treat their customers and charge for overdrafts. More

Hi all, today I have received 2 emails 1 for my natwest account the other for my rbs account - both saying the same thing "We're really happy to let you know that from 5th April 2016 we'll stop charging unpaid transaction fees on your Basic account. You're charged unpaid transaction fees when you try to make a payment but don't have enough money in your account to cover it. We normally charge £6 for each unpaid transaction (up to £60 for each charging period). The good news is from 5th April 2016, you won't need to worry about this". Has there been a problem with these charges then? Is that why they are removing them?

hi all i took the above accountout about 15 years ago and was told i needed to take this account to get an overdraft how would i get a copy of all my statements thanks

More than one million customers with RBS and NatWest will soon be forced to pay up to £2 extra a month for their packaged current accounts. From January 17, customers with the bank’s Black account must pay £26 a month for their deals. Those with the bank’s Platinum account will have to fork out £1 more, totalling £16 a month. RBS Black account offers worldwide travel insurance and access to airport lounges. The Platinum account includes travel and phone insurance and UK breakdown cover. Read more: http://www.thisismoney.co.uk/money/saving/article-3322929/One-million-customers-RBS-Natwest-face-price-rises-packaged-current-accounts.html#ixzz3rwIxQmWD

About two and a half years ago I had a current account with overdraft that was in credit when I used the account switching service to change to another bank after I became fed up with RBS and wanted to leave them. Today I received a letter claiming RBS have been trying to contact me as there hasn't been any money paid in to my account that RBS closed for me while in credit and transferred the credit balance to my new account with a different bank. The Sort Code of the account it is claimed I owe them money on is different from the sort code of my old RBS branch, I can not find anything at the moment to check if the account number is correct or not.

Can anyone help please. RBS allowed my son to open an account online and then verified account in branch with ID proof back in August. Paying in book arrived with letter saying debit card and PIN to follow. Nothing arrived after 2 weeks. Lots of calls eventually got an answer mid October saying sorry cannot issue a debit card on that account on that particular sort code with that branch (Child & Co. London) Unable to put any money in as no way to get it out. 3 failed attempts by RBS to transfer to another Sort Code eventually our patience snapped and we have gone elsewhere. Still no proper answer to how it went wrong. Looking now for compensation because of not being able to use account for 2 months. Any idea how to calculate non-financial loss and for time spent sorting it out (many hours!) Any advice gratefully received

Hi advice please, back in April 2012 I requested a copy of a CCA on a credit card from RBS, they failed to comply, I put the account in dispute, they came back eventually with a recon agreement that did not have the correct "necessary prescribed terms". After numerous letters to and from RBS and then solicitors it went to court in Feb 2014. I did try mediation but RBS refused, in my defence I asked the court to strike out the claim as RBS failed to provide a CCA, the Judge ordered in my favour, the judgement was "1. RBS having failed to comply with the relevant provisions of the Consumer Credit Act 1974 these proceedings are stayed (and no interest is to accrue on any outstanding sums) until RBS complies with its responsibilities to the satisfaction of the Court. 2. Provided that if RBS fails to comply with paragraph 1. above by 4pm on the 16th June 2014 then the claim is dismissed. RBS did not, their solicitors then wrote to me in April 2014 asking me to sign a consent order to withdraw the claim and no order to costs. I replied inviting them to issue a notice of discontinuance, which they did for all of the claim and I have a copy which was sent to Court. Out of the blue I get a letter the other day saying the RBS had failed to contact or agree a suitable repayment plan and have passed details on to a collection agent who will be in contact to discuss a repayment option. As far as I'm concerned, a judgement had been made, RBS withdrew the case and if a claimant discontinues a claim they can't take the same case back to Court if the defendant had filed a defence, I really am getting fed up with RBS and feel its time to deal with these incompetent people, what's my options harassment ??

Hi everyone this is my first post here so ill start at the beginning, when i was younger i had several loans from natwest and one rolled into a bigger loan several times over the years, after contact rbs they said i had 5 accounts with them and that so far they had one loan of £4.5 with an offer of £170 (like 4%) , then another account was 10k with £1900 offered (19%), then an £11k one still awaiting an offer , then an 18k one still awaiting offer. the last one was £1700 loan with no ppi so no offer. Heres where it gets interesting i was sold the ppi as you had to have it to get a loan with them and that in the event you were off work it would pay your loan until it finished or you went back to work , this however turned out to be false as i found out when i had a back injury was off work and the ppi ran out after a year leaving me with a loan to cover whilst not working which lead me to going bankrupt, being bankrupt then made it difficult to find work ( no banking industry ) and even when i ended up working for an insurer the highest level i could be employed at was the job i had at £21k pa, the next job up was £36k (which is what i should of been doing) so i lost out on 15k per year when i went back to work. Now i see that as some sort of damage (expectant measure, reliant measure, liquidated damages or professional negligence .) so in effect from me returning to work in 2009 (bankruptcy 2008) that until 2014 this was being held against me in terms of jobs and salary. Could i claim 5 years at £15k a year loss? Now that the bankruptcy is discharged will any payment from them go to me or insolvency people? My next step will be to SAR them before accepting any offers they have made or will make. is there any time frame for the SAR to be carried out by them? and how long do you have to accept an offer. thanks for your help

Hi, I had a loan for around £12500 with Direct Line around ten years ago, I have sent a PPI claim off to RBS who are saying I need to contact Direct Line for the account number for the loan as the have no record of this. I have contacted various different numbers for Direct Line but as they no longer do loans this is proving a very difficult exercise to get the answer that I want. Does any have any ideas as to where I can turn to obtain this information from Direct Line as it would be most appreciated.

Hi All, I hope this is in the right place. I'm currently looking to renew my mortgage, and this morning had the advisor come back and say it had been denied for bad credit. I immediately ordered a credit report from Equifax, and discovered a default from RBS from January 2015. I was not expecting this, as I had a 12 month payment plan set up with them, which ended in December 2014, and I foolishly assumed that that was it done and dusted, and asked them to close the account. For reference every payment was made on time, via Direct Debit. Around this time I was moving a lot, so correspondence was tough. I have had no notifications as far as I'm aware, and they have my correct address on file, (or so the credit report says). As soon as I found out, I recalled a strange call two weeks ago from a recovery company, asking for my details with regards to outstanding credit - I contacted them, went through the security process, and I(I think maybe stupidly) paid the £268 balance, to change the credit report to settled, rather than Defaulted. I now need to approach RBS, and try to have this removed from my file, as it seems to me like an admin error on either their or my part, I think strongly them. I haven't received any notification as I say, and the first I knew about this was the odd call asking for personal details two weeks ago, and then viewing my credit report today. I've read around and there appear to be a few ways to approach this, ranging from the 'sympathy approach' - which I can't see working with banks, even though I've paid it off immediately on finding out it existed, through to sending letters asking them for evidence that they gave me 28 days to sort this out before it defaulted. I was hoping someone could give me some advice on the best steps to take to get this removed, it seems such a trifling amount to have a mortgage declined - and it seems like madness that the mortgage lenders view a £268 default, the same as a £26,800 default. It's going to really affect myself and my fiancée, as it could stop us moving house for 4 years! In a bit of a scrape here, and any help would be much appreciated. Best Regards

I had a £3,000 overdraft facility on my RBS current account which I used to the full (!) but was unable to maintain repayments on following illness and ending up on long term sickness benefit (ESA). In January 2012 I reached an agreement with RBS to freeze the interest on the account and to pay £1/month by SO. This has been reviewed and renewed each year, most recently in April 2015 for a further 12 months. I've maintained payments throughout that period and maintained good relations with the bank. Last month I returned to full time employment. I'm willing to re-pay RBS's overdraft but want to be careful about how I go about it – agreeing no more than is necessary. So: 1) How soon should I notify RBS of my change of circumstances? 2) Is there any point in offering a full & final settlement? If so, at what %age? 3) Should I expect interest to be applied to the overdraft in future and, if so, how much would be reasonable? 4) If I make a repayment arrangement what is likely to be seen as reasonable? (I also have about £25,000 owed to various credit cards or DCAs, mostly with similar arrangements in place.) I have two other unblemished and unconnected bank accounts into one of which my salary will be paid so would continue to pay RBS by SO. FWIW my RBS account is in Edinburgh (I transferred it there from England to avoid a threatened takeover by Santander) but is now managed by their collections department in Birmingham.

Angry customers of NatWest and RBS are reporting serious problems accessing their online accounts, with many taking to Twitter on Friday to accuse the accident-prone bank of another IT disaster. The latest IT problems emerged as customers tried to access their accounts and make payments, on a day that is payday for many people. NatWest said it is investigating the issue, but had no other statement to make. It told customers over Twitter: “We are aware of an issue with our online banking service, our tech team is looking into this as a matter of urgency.” But coming so soon after the last IT outage, the access problems have left many customers venting their anger over Twitter. Can't log in to #natwest yet again to check up on some transactions... and they want me to opt out of paper statements?! No chance. — Jacqueline F (@JackieF_0307) July 31, 2015"> Natwest IT problems The problems emerged early this morning, as some customers waking up and hoping to check their pay had gone into their account were unable to log on. Why does the @NatWest_Help app always go down on payday?!?! I hope there's no issues with payments again! http://www.msn.com/en-gb/money/news/rbs-and-natwest-customers-complain-of-online-problems/ar-BBlgcjC?ocid=spartandhp

Some advice needed. I have received an offer of redress from RBS regarding PPI on an old Natwest credit card. I used the FOS Running sheet to calculate the amount due. I have all the statements for the card (1989 - 2006). I sent copies of the statements to them along with what I have calculated to be the amount due - just under £14000 in 2006 plus stat. interest since then of approx £10000. A total of £24000. They seem to have ignored what I sent them and made an offer of under £3000. From the small amount of information they provided, it appears they haven't even been able to add up the PPI premiums correctly or calculate the compound interest that they charged me. They say that it's their final offer. I asked them (over the phone) to send a breakdown of their calculations and they refused to provide any more detail. I have spoken to the Ombudsman and I have to say that I'm not filled with confidence in their abilities. She seemed confused about compound interest being re-funded, which is the biggest part of the claim. I've also heard of 9 - 12 month processing times. Any advice on what to do next would be much appreciated. Thanks in advance.

In 1988 while I was in the army I took out a £2000 loan from the RBS in Stirling branch As I recall I was forced to take out insurance with his loan. In 1990 I had to leave the army to look after my mother who was seriously ill at the time. I tried to claim the insurance from the loan which was rejected as I left the army voluntarily. My mother is moving house so I've been clearing out the attic and I've discovered the old credit agreement from this loan. Do I still have a case to claim the compulsory insurance or am I time barred?

just op[ened this mornings post and 2 my surprise a cheque from rbs relating to a charge they made on a loan I had with aa in 2007 . the only loan I can recall with aa was through centrica the parent company which was paid in full and in correct order, the £50 cheque was compensation for rbs giving my data to a dca incorrectly I must add ive never heard of the dca but lo and behold guess whose name pops up: the leeds losers, who claim the account is still active, on further examination of letter its a preprinted letter from Lowell,RBS don't nhave a head office in Sheffield, a little bit naughty I think.

If your benefits are paid into a RBS or Natwest bank account and you are due a payment this week this maybe delayed here's why http://www.bbc.co.uk/news/business-33162855 and recaction from the Natwest customer forum http://communities.natwest.com/t5/Ways-to-Bank/natwest-down-again/td-p/38531 Why should these bank's be able to get away with treating customers like this ?

I wondered if I can seek advice? Iv had an RBS since 2001 and kept it in good order, however in 2011/2012 I had 1 missed direct debit and this is now how the account stands on my credit file Date of default 31/10/2012 Default balance £ 721 I wrote to the bank in 2012 and also wrote to Financial ombudsman but I only ever received 1 letter back from the bank to say that these charges had not been unfairly charged. Recently the same thing has happened to my partner. He was with Santander and the only thing that ever came out of his account was iTunes, For the sake of £3.41 his Santander account now stands at £600 overdrawn and is still increasing.. .. we need help, we need to know what we can do and if I can still do anything with RBS now that the account hasn't been used for 3 years? These accounts are stopping us from getting a mortgage... does this mean we can claim compensation for the damage? I have read a lot of articles but still unsure what my rights are.