Hello all and thank you for taking the time to read my post. I was a university student from 2005-2009. I had a student account, with £1400 overdraft, with Natwest from 2005 until September 2008 (When a notice was issued under section 76(1) and 96(1) of the CCA 1974. I saw foolish enough to apply for a £5000 loan in October 2007 from Natwest, which I was approved for, despite being unemployed. I could not afford to pay this loan and a default notice was issued in October 2008 under section 87(1) of the CCA 1974. The last payment I made to either of these accounts was 25th July 2008. Other pertinent information: Default date for loan on Credit Expert says 12/2008 despite Default Notice saying 10/2008. Default date for overdraft on Credit Expert says 12/2008 despite Overdraft Notice saying 09/2008. Both accounts not updated on Credit Expert since 08/2010. My Questions: Should the overdraft receive a default notice like the loan? As I have not acknowledged either account since 07/2008, will they become Statute Barred in 9 months? Will Natwest wait until the last minute and then file for a CCJ? How common is it for them to not update an account for over 3 years? Thank you for reading. I hope somebody can help.

Hey all I've had a letter recently from solicitors representing Natwest over a current account (opened in 2001) that is in default. The account is in overdraft to the amount of £1600 approx. The authorised overdraft limit is/was £1500. I haven't received correspondence from them in a while - the last thing I can recollect is letters telling me there wasn't enough activity on the account and that they'd have to review it if this continued. I haven't really used the account for a number of years, it simply had interest deducted every month. A few years back I had quite a few unauthorised overdraft charges applied when I went over £1500, mostly caused by the interest & charges being deducted. Oddly, since the account last went over £1500 OD, there haven't been any charges, from what I can tell by the credit file - only interest until default. They basically want immediate repayment which is beyond my current means - plus I'm not thrilled by the £28 a time charges I paid them, basically for nothing. I realise that I should have maybe challenged any charges and interest some time ago, but I was working so hard to keep things afloat that these things were just pushed aside to deal with another day. It's only now that I can finally spend some time on sorting out my delicate financial situation once and for all. Now, further to this, I checked my credit file on Noddle and the address showing is not correct. The address listed is probably 200 miles away and has no connection to me whatsoever. How can this be? The letter from solicitor came to my current address though. I'd appreciate your advice on how to proceed. I have a letter drafted for the solicitor requesting that they cease any further activity until I can establish the exact details surrounding the stated debt, but thought I'd better seek some proper help from you guys first. Thanks!

After my own success with a few PPI claims, I am now trying to help a friend make a claim against Natwest. However my friend has had 3 loans consolidated over a 5 year period. The first loan was £12,000 in 2000 with no PPI added. This then was consolidated with a second loan in 2003 for £15,000 but had PPI off £3782. In 2005, another consolidation took place at the cost of £17,000 and this loan was finally paid off in 2012. Natwest have decided to uphold the complaint but are only offering £1569.55 which is composed of £1205.98 total refund of PPI premium and associated interest and £454.46 of statutory interest then the deduction of £90.89 for tax interest. What I don't understand is why the offer so low if the £3782 was paid off when the loan was consolidated in 2005?

Hello all I'm having problems with Natwest - I've informed them of a change of address and requested a new PIN code 3 weeks ago via letter and had no reply. I rang them on Thursday and was told they'd do it, and I would have my new code by today or tomorrow. I've just been online and my old address details are there still. Just checked with 2 CSA's and they've advised no details have been changed as I don't have one of Natwests card readers, so therefore do not have "level 2 access". They will not even provide a 6 digit pin to access the available funds in the account in the mean time Problem is, they'll only send a card reader/ PIN to my old address, which is useless to me, or I need to pop into their branch - my work hours are 8am-8pm Mon-Fri / 8am-3pm Saturday; so physically unviable for me to do. I'm getting a bit hacked off with it now, esp as I was told it was all taken care of on Thursday. With no reply to the written word for 3 weeks and seemling unhelpful staff, any way I can get them to update my details?

Can you help or advise please, I complained last month to Natwest that I had been mis sold a mortgage package, they have written back saying they don't agree and "I have reviewed our records and I can see that you applied for a mortgage with us in 2006 and discussed your requirements with the PMA, who completed a "Your Mortgage - Our Recommendation to you" fact find to ensure the right mortgage product was offered to you." The copy they supplied me as proof is false and somebody has tried to forge our signatures, we have not signed this, what is the consequences for the bank. thanks in advance for your advice.

i had a natwest bank current account and default registered against me in 10/2009, currently the outstanding balance is according to the credit report £788. all what i have done is opened the bank a/c and issued a cheque and expecting a money transfer from my uncle, but he didnt transfer, so the cheque bounced. bank charged £38 and i dint have o/d facility and it went upto £788 purely for bank charges. during 2010 some debt colletor called and i paid £50 to keep them quite. (the reason was we had baby miscarriages and i didnt even asked the debt collector anything just paid.) now i got the credit report and seen this bank default. i have never received any letters from natwest and any telephone calls. can i remove this default from my credit file? please help me. many thanks

I am trying to help a family member with a tough financial situation. She is an OAP and had a mastercard balance with Natwest which while still within limit ran into problems as she had quite a serious medical situation so lost track of things, I believe this was a long standing account and she still calls it her Access card. The balance is over 10k and was passed to Triton who are part of the same group. They are not professional and apply undue pressure to increase monthly paymenst even mentioning court even though no payments have been missed. Have Triton bought the debt for a fraction or is it still with Natwest? I ask this to see if they are likely to settle for a low amount. The only income the household has is old age state pensions and they are struggling with 100pcm. Triton have been paid over 3500 to date. I will send away for the CCA, as this was an Access card years ago would she have received a new agreement to sign when changed to Mastercard? Any advice appreciated,I am going to do an income and expenditure to see where they are at. Is there a minimum Triton have to accept, can they pass it on to someone else? Is it worth forcing them to pass it on to a firm that would buy the debt and then make an offer?

Not to sure if I am in the right place. Recieved a letter in the post today from a company called CPP stating that I had brought a card/or indentity protection policy from them and i may be entitled to compensation. I bank with nat west but i can not remember having this policy. It gives me their reference number and my policy number It give details of why they are writing to me I.E the FCA as told them to. more details will follow in the next 12 weeks. as anybody else as had a letter like this and does anyone know the back ground behind it because I really can not remember having this policy. The letter also states that any monies from as far back as 2005 will be involved. I have got three years worth of bank statements and i cannot find any payments to these people. would it be better to wait and see what they say or should try to find out more details from nat west

Sorry for poor title, have to be a little careful on how I post this due to his current situation, long story short, my dad retired from his company about 3 years ago, but is still 60% share holder, he provided security in the form of property he owns to Natwest for loans taken out while he was with the business, since he has left his ex partners have caused all sorts of problems and he wishes to completely leave the business and disassociate himself with it he needs to sort out the security with Natwest to do this, Natwest will not deal with him regarding it as he is no longer a signatory on the account, his ex partners will not provide the information either and it is thought that they have quite possibly borrowed more money against the security without his consent, again unless Natwest will grant him access then there is no way to prove it, is there any way to get Natwest to produce the information required? thanks purp

Hello, After looking over this forum and posting some threads people are telling me to claim back all my bank charges. How would i start to do this has anyone got any template letters i could use do i need to know how much they have charges me and how long can i claim these charges from? any help will be appreciated. Thanks manny

I have had my Natwest current account for over 2 years, I have never gone overdrawn, I have at least £3k a month paid into my account but Natwest wont give me an overdraft. They can see I am trapped in the PDL cycle, paying over £500 a month interest, when i asked at the branch why they wouldnt give me a overdraft they said because I am using Wonga and Wage Day Advance. The cashier even went to say that the my risk factor with the branch was lower than hers. Can anyone suggest a more sympathetic bank?

Hi All, i am fairly new here and was wondering if you could give me some advice. My bank charged me overdraft fees a few months back now because my account had become overdrawn due to rent being taken out 5 days early.These charges are marked down as UNNARRANGED OD FEE. Since then we have paid off the OD fee and they have charged us an even larger amount with the same unarranged OD fee a month later. Since that unarranged overdraft fee had put me overdrawn i expected another charge to be made so i left money in my account to cover the costs next month, but the charge was more than i had left in the account. So again another OD fee was charged a month later. I'm sure you can see the pattern here. I have been into the bank to ask them when the next OD fee would be taken out and how much it would be, but they claimed that they did not have that information, i have been in and talked to 3 different people in Natwest and they all say the same thing. I just received a new OD fee today and it is overwhelming, it is around half of my monthly wages and i just cannot afford to keep doing this with them. I have arrears elsewhere which i am paying off which doesn't leave me with enough money to cover these bank charges... What do i do? Thanks in advance for any help/advice you can give. Paul

I used to come on CAG a long time ago but can't seem to login so created a new account hence the newby status! I have decided I can no longer keep burying my head and waiting for people to knock on the door. My debts are not particularly huge but in the dark of night they are massive scary monsters. So I am hoping someone can give me some advice please. I had an old business a few years ago and had 2 years free banking with Natwest. When the 2 years free banking ran out, Natwest understandably started applying a fee every month but because the business had fizzled out and I was doing my day to day banking with another bank I didn't realise they started to levy some charges on this account until the account was eventually about £250 (comprising mostly of penalty charges and about £40 of business account fee charges) Head went in the sand because I just didn't have the money to pay it off. Now it has been passed on and I presume to an inhouse debt collector. Am I really liable to pay all of this? I expect I probably am but just wanted some advice before I take a deep breath and phone them. Please be gentle with me. Re the business that is no more: That is my big thing to deal with. It was a limited company registered with companies house. I 'traded' for less than 2 years, made pretty much nothing and buried my head in the sand ever since. It was never formally closed down it just kind of fizzled out (I know, I know) and didn't owe anyone at the end it just ceased trading. I have the IR to deal with on this as have loads of charges for not filing. I was very naive and stupid and suffering with depression and just couldn't cope (so didn't). Just trying to break this down and deal with the smaller debts before I deal with IR.

Millions of customers with NatWest and Royal Bank of Scotland (RBS) face new fees of up to £72 a year from this week for dipping into their arranged overdrafts. From Friday, current account customers with the state-backed bank will be charged a £6 a month "arranged overdraft usage fee" when they go over £10 into the red - on top of existing annual interest of 19.89pc. The rule changes also mean that the interest-free "buffer" which customers have on their arranged overdrafts will be shaved from £100 to £10. The move, announced in April, brings the bank into line with other big high street names, including Lloyds TSB, Santander and Halifax. Select and Select Silver customers with arranged overdrafts will be affected by the NatWest/RBS changes. These customer numbers are understood to be in the low millions, although not all of these people use their overdraft. Student and graduate accounts will not be affected by the charges, nor will some paid-for "packaged" accounts such as the bank's Select Platinum Account, Advantage and Royalties Gold Accounts and Black Account. http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/10169601/New-overdraft-fees-for-millions-at-RBS-NatWest.html

Just received a cheque from Natwest almost 2 years after I started my complaint. They finally capitulated after a complaint to FOS. Total PPI payments were £2329 but they have only added interest (at 8%) of £965. No contractual interest. What is the next step? suvin50

Hi guys, thanks for all your help in advance and from previous threads which are getting me back on the right track! I have written to all my credit card creditors and bank accounts and getting there slowly. Just had standard Natwest refusal letters for my personal and business accounts and sent 2nd letters threatening court action. I just tracked my 2nd letter regarding personal account and it was never received so 2 weeks of waiting wasted(I did call to check and they have not had it). this gave me a chance to look over my 2nd letter and what claims I am making and wanted to check. On my letter I am claiming the "chg" which I know I can claim, but originally I claimed whatever interest was on there, which I felt I would not have had had they not charged me fees(over 2k worth in 6 years and £4k of interest as always in overdraft). Should this be shown as compound interest rather than JUST claiming back as it is, and I assume they will just refuse that anyway? Also I always get conflicting information on claiming Business charges, will I get anywhere? My second letter has been received after usual refusal which threatens the FOS. Thats over 5k worth and going up. I am genuinely in financial hardship, and can not get my business anywhere when the £300 that goes in each week just pays off their charges! Hope you can point me to my next step.

I've SAR'd RBS as during the 1990s I had an RBS credit card, and since 1988 until now I've had a Natwest account. I received what they say is everything today. A list of screen prints listing my account details, and a short list of screen notes. And a list of 2 loan accounts I had with them which contained PPI. RBS sent a letter stating they can't find anything. Is this normally what is expected of them? Although the SAR 40 day limit is next Tuesday, I've called them and they say that's it. Surely there's a list of transactions, lots more notes (it's my main current account) and a considerable amount of data available? The stack of information I had from Capital One was 3 times as thick, and that only contained 3 years worth of information. Also, I know I had a loan account with Natwest in 1990/1991. I don't have details of it, apart from an approximate date and the amount of the loan. I was advised by my local branch that they still hold information on this account from 1990, but the SAR didn't go back this far. If they are still not able to locate this, can I estimate this based on the knowledge that I knew the loan amount, and suggest a reasonable PPI amount based on data available at the time? My SAR request contained the line suggested by DX in order to get them to deliver all types of information in whatever format, so I'm hoping that means I can demand information from a 'relevant filing system'. Does this mean I can get them to search microfiche or other data that may be held at a branch level? Regarding the RBS card account, how far back have people been able to get them to retrieve data from? I suspect they just don't want to search, but if it's a general rule that RBS don't have data from back then, I'll have to use the limited statement data I do have and estimate the amounts. A bit more information on this. Along with the limited information that RBS supplied, I also received a note advising of the loans that they could find. These were from 2002 and 1994, and gave the original loan amount along with the PPI amount. This also had contact details for NatWest's PPI complaint department. I called them to enquire as I was sure there was another loan. Just a 2 minute search by them, and I had the dates and details of a loan I took out in 1990 and paid off in 1994. They advised no PPI was on the loan, but what confuses me is the odd amount I apparently drew on the loan. The requested amount was £3136. I'm fairly sure that I would have taken out a round amount, £2500 or £2800 rings a bell. This seems to fit in with the other loan amounts, the amount drawn on these loans are a round amount. After a couple of other calls to other departments, it was advised to me that their Customer Lending Centre has an archive of old loan agreements going back 25+ years, and a letter to them should give me my agreements. I'm now waiting for this. The RBS MasterCard included a list of transactions going back to about 2001. Very conveniently for them they can't see any record of PPI being on the account - had they gone back just one statement from what they supplied PPI was charged prior to this. Has anybody had experience of RBS supplying older data than this? Although the SAR expired on Tuesday, I'm giving them a further week before I send the failed SAR letter. However, I'd like to be prepared for this. No doubt a number of people on here have had cause to SAR RBS. Do they normally provide a list of transactions and considerable more data than just a few screen prints of the account settings and a short selected summary of a few phone calls? I didn't specifically ask for a particular item. I used the SAR template letter on here along with DX's suggested modified line asking for everything.

I was unemployed for two years, following which I took out a debt repayment plan via NatWest's choice of solicitors. I keep my own records and am up to date. However the solicitors never send me a statement or even an outstanding balance. I have complained to them, but they don't even acknowledge my letters, let alone tell me how much I owe. Are they obliged under some Act or other to send me statements??? I am also concerned that when I THINK I have paid off the debt they will raise a default against me if for some reason I have made a miscalculation: or if they add some "final" fees, charges or interest on top of what was owed???

Good Evening, I sent a CCA request to Natwest in January in regards to a loan I took out in 2005. I was under the impression that the loan was initially for 5,000 and being very young and silly I couldn't cope so ended up going through a DMP and paying monthly payments until Jan of this year. However, when I closed my DMP they sent me a statement saying that I still owed Natwest almost £9000. Natwest have played their usual games so far, demanding a supply a signature etc and eventually providing me with a "true copy" which states that the loan was for 10,000, my address spelt completely incorrectly and my signature was nowhere to be seen. I have since put the account in dispute but they have passed the debt on to Westcott and are claiming they have complied with the CCA request as they don't need to provide a signed copy???? Can anybody help with my next steps? Thanks in advance

Hi there, I've done a bit of research here but would like to tell my story and just see if I've got things straight. In July 2005, when I was at University, I took out a student credit card from Natwest and ran up £300 on it (the limit). I never made a payment on it at all (I was a student with no money) and moved from the property the card was registered to in Jan 2006, and forgot about it. Up until that point Natwest sent me letters asking for money etc. I have moved 3 times since then, and over the years have received various letters about this debt, mainly from Arrow Global. I have never made contact with anyone about or regarding this debt (as far as I know, I could have answered the phone to them maybe?). The only contact I know that has been made was my old landlord sent them a letter saying I didn't live there anymore and she didn't know where I was now. Fast forward to 2 weeks ago. I got married 4 weeks ago, so I guess that's how Rossendales have my current address. The debt is now £750 apparently, and their client is Arrow Global LTD. They are threatening to send a baliff round if I do not pay. There is no record of the credit card anywhere regarding my Natwest account, Natwest have never ever mentioned it to me since (even offering me credit cards...) and there is NO record of it on my credit history at all. So, is this debt statute barred? If not, what is my next step? Thanks in advance. The

Well after a month of waiting for a reply from NatWest re a basic account phoned the number they advised and you need a ref number! Surely it does not take a month for them to say No? It is disgusting we have waited so long just to get a basic account, and of course the number is an 0845 number, the automated voice said we need to go to the branch but I bet they will say phone up the number! We do not have a vast choice here and having no transport we can not just "pop" into the local branch, sorry if this is in wrong place, even CO-OP cash minder you need to phone up for and there is no branch near us,looks like we will just have to take our JSA out of Barclays as soon as it goes in,like we do now

I recently received the attached details re a loan I had with NW as I had filed for a SAR from them re another matter. This loan has been paid off in a FFS but I now realise there were some insurance premiums included in the loan. Can anyone advise having looked at it if there is anything worth claiming for? Many thanks.

Good Morning. I have received three letters recently from Wescot on behalf of NatWest re my business overdraft. NatWest closed the account September 2011 and also a loan account I had with them. I had written to them explaining that I could no longer make the loan account repayments and supplied them with a list of creditors, expenses etc in support of this. We finally negotiated a final settlement earlier this year and for some reason the other account (overdraft) was never mentioned. I suppose hand on heart I hoped that the damn thing had disappeared in some dusty filing cabinet. Three weeks ago I suddenly receive a letter from Wescot, the one where they say 'we think you might live here but if you dont reply we'll assume that you do'. I have since received a second letter actually stating what they are chasing, and now a third threatening legal action and/or door step collection. I haven't replied to any of them but not sure what the next step is should the summons appear. The original debt was £7300 but now has transformed into £8800 since being in Wescot's grubby hands. I have never received any letter from NatWest advising me that they were instructing Wescot to act. Should I contact original creditor and discuss? Bit concerned as I am a houseowner. Thanks for any advice.

Hi, my wife had a loan with Natwest back in 2001. After 6 months of messing I finally have a breakdown of the loan. It states she took out a £5000 loan in March 2001 at which point Natwest added £1150 PPI without her consent. She has then paid 7 monthly payments before her dad kindly paid the loan off for her with a settlement of £5597. Natwest have offered a full refund of the PPI plus 8% interest for the last 6 years but have somehow come up with a figure of around £620. I'm currently trying to find out from Natwest how they came to this figure but am hitting a brick wall at every turn. Couple of questions 1. Is it normal to add the PPI in its entirety at the beginning of the loan like this? 2. Are Natwest correct in only adding the last 6 years of interest? 3. Does any one know how they have arrived at the figure of £620? Many thanks Allan and Louise

Hello I apologise for the length of this post. It outlines my issue and has text from both the Ombudsman and Natwest's reply. I am hoping someone can advise me of the content of a reply to the Ombudsman in order to support my case. I took out a Natwest CC in 1997 and associated PPI. At the time, I had unemployment, sickness and accident insurance already in place with another party which would have covered me. I contacted Natwest who turned down my claim. I contacted the Ombudsman who at the end of April basically said they were recommending the complaint is upheld citing the fact that I already had unemployment insurance to cover me. "From the information I have gathered, I do not think Natwest advised Mr X to buy the PPI policy. However, Natwest still had a duty to give Mr X the information he needed to decide whether to take out the policy - and to present it in a way that was clear, fair and not misleading. It was also the duty of Natwest to draw the main features of the policy to Mr X's attention. I have looked at all the information I have from the sale and I do not think Natwest made the policy's cost and benefits clear enough. Having taken his circumstances into account, I do not think Mr X would have thought the policy was good value for him if Natwest had done so - and I do not think he would still have taken it out in that case". Natwest has since responded to the Ombudsman who has sent me a copy advising me they are going to look at this further. Natwest sent the following: Thank you for your letter dated 25 April 2013. The Bank is naturally disappointed that the Service is minded to uphold this complaint and disagrees with this decision for the reasons stated below. - In the assessment letter the Service has concluded that the case should be upheld as the Bank "did not make the policy's cost and benefits clear enough to Mr X. This case relates to a NatWest credit card and PPI sale. The application form was signed on 2 July 1997 and the credit card account was opened on 14 August 1997. The PPl start date was 15 August 1997. We are unable to confirm the sales channel in this instance but having viewed the application form and with the delay between signature and start date, it could be postal or branch. l note that we did not previously have the customer's Application Form available but this has now been received and I have attached an electronic copy for your reference. There is also a blank application in the Terms & Conditions enclosed which is exactly the same format as the customer copy and l am sending it specifically for you to see the wording clearly as the customer copy is quite faint. The Application Form has a separate Credit Card Repayment Protector box that has to be signed by the customer to take out the cover. It states “ 5.Credit Card Repayment Protector. We recommend that your monthly credit card repayments are protected in the event of an accident, illness, involuntary unemploymentor death. Credit Card Repayment Protector is available to the Principal Cardholder only, aged v - between 18 and 64 andpermanently resident in the UK who has been in permanent paid employment for at least 16 hours per week for the last6 months. Cover“ automatically ceases at age 65. The information on this form will be used by National Westminster Insurance Services Ltd to obtain a Certificate of Insurance from Sun Alliance. Please sign one of the signature boxes below”. YES, I would like to take advantage of the peace of mind offered by CCRP (Please read the Credit Card Repayment Protector Your Cover explained section in the Cards brochure or enclosed literature before you decide) Or NO l do not require CCRP and understand that l will be responsible for making my repayments each month if l am unable to work. This clearly shows the policy was an optional insurance and a separate product to the credit card. Mr X has signed to confirm YES he wishes to take the insurance. The Terms and Conditions were provided within the credit card application pack for the customer to read and consider ahead of making his selections. These Terms and Conditions contained the Key Features and Exclusions of the policy. The Your Cover Explained section confirmed Who could have the policy, How much it cost, How it worked, What was not covered, How to Apply and ls this cover right for you?. The How to Apply section of the Terms & Conditions states “ Don’t miss the opportunity of applying for Credit Card Repayment Protector by signing Section 5 of the Application Form if you require cover. Please see the ‘What is not covered section‘ before you decide. Cover begins as soon as your Certificate of insurance is issued. This will be sent to you separately, shortly after your application has been ‘ accepted. The ls this Cover Right for You? section explains that the customer should read the full terms and conditions to ensure the cover is suitable for their requirements. it also confirms how they can cancel within 14 days if not completely satisfied. The documentation provided was clear, fair and not misleading. Mr X had sufficient information regarding the policy costs and benefits to enable him to make an informed choice as to whether or not to take out the policy . lnfact, I can not see how the cost and benefits of the policy could have been made any clearer to Mr X . For the reasons outlined above, the Bank believes that this case should not be upheld and l look forward to receiving your further response in due course.