Hey guys, Right, going to need some help on this one, will try to put as much info down as possible. I have a Natwest Current account with an e-savings account attached to it. I have some wages paid into my e-savings account monthly. The main current account started to go overdrawn (£99) and for a few months I couldn't cover the fee's. I was supposed to be paid last Friday (into my e-savings account) but when I tried to log in online or use my card, it was refused. I spoke to some at Natwest over the phone and they passed me on to this Credit Management Services company, I was speaking to the guy on the phone and he told me my account had been effectively 'closed' due to non-payment of the outstanding overdraft. I asked him whether there had been any payments received into the account, in which he said 'no' as the account is 'closed', so would have 100% of bounced back. I have spoken to my work and they said that nothing has 'bounced' back into their account yet. How long does it normally take for the funds to be returned, as I need to clear this £99 outstanding balance. & would it have definitely bounced back? Thanks in advance for the help.

Hi all, Cannot believe my week, but its been terrible. I have been a Natwest Mortgage holder since 1997, and we had our ups and downs through various life challenges, but for the past few years no problems, and I always praised how good their customer service was when there were any issues. A little background to this... January 30th, my wife gave birth to our first child, but all was not rosey, he had to go to special care, and wife and son were kept in hospital for an extended time. But eventually they came home. The stress of this was not a good start to the year, especially as my employer asked me to leave due to this as I would not be able to do the 12-14 hour days I was doing before the birth, and I was now inconvenient. See my previous threads, it resulted in a successful out of court settlement in July. Any way, fast forward to May, and I received the worst news I have ever had, my mother has a terminal lung disease, and realistically had 3 months, optimistically 9 months. With the birth of my first son (and me turning 40 in 2 days) I could not believe life could be so unfair, my mum had been praying for years, we had tried many times, and now finally she will not get to see him grow up. So I took the decision and made her a promise that despite her living in a different country and unable to travel, we would make the 600 mile journey as much as possible. My wife and son have made it 3 times in a few months, and I have been over there more than here. Because of this, life has been a blur. And the unimportant things have been put to one side. Poor son still does not have his own room as I have not had time. I started a new job in June that allows me to work from home if I am not required in the office, so it works well, has allowed me to work from my mums. So now on to my problem. Tuesday this week, now I am back in the UK, I had to go to our office in London, and on the way I stopped at Tesco to get some lunch, but my debit card would not work, each till they tried it in reported "Chip error", so I tried it in their cash machine, which resulted in "Card retained" showing on the screen. I rang natwest, and was told there was no problem with out accounts as they were in credit, and would I like a replacement card, which I said yes. Inconvenient but it will only be for a few days. Later in the day my wife tried to get some much needed nappies and food in our local co-op, only to have her card retained. She was utterly embarrassed as she used to work there part time and know all the staff, and there was a big queue behind, she had to leave, she rang me and I got straight on to Natwest. Again "There are no problems, would you like a replacement?", I pushed to find out why, said surely there must be a reason, I was put on hold, and then she said there was a "portfolio" on the account and she needed to transfer me. She put me through to credit services, who after going through all my details, checked my accounts and could find no reason for us to be put through to them, he advised going in to a branch. So I did, and the advisor there did the same thing, "no problems, would you like new cards". And I left it at that. Roll on to today, this mornings post was a letter from Natwest Collections dated the 26th July 2012 (did they walk it from birmingham?) with a First Arrears Notice attached and a note stating that due to the issues in June some letters may be delayed! Really? I would call 5 months a hell of a delay. As I was about to ring, I also received an email from my ISP saying my direct debit had been cancelled, this got me a bit worried, so I logged on to online banking to find out whats going on and also check our Mortgage payments. Only to find "There is a problem, please try later". Nothing new, so tried the app on my mobile, again same error. So I ring the number, and after a bit of digging, she tells me that because we are 6 months arrears with our Mortgage, our accounts have been frozen, banking withdrawn and how was I going to catch up? I said to her, surely one letter is not enough, and one that is dated 5 months ago. She said "has your Relationship manager not been in touch?" Relationship Manager? What? She then asked did I have a business account, to which I said yes, a few years ago, but it got closed this year as the business was wound down, what has that to do with my Mortgage? She had no answer, except he should have managed the arrears. I said so who is he? Because I have never spoken to anyone with that title, nor had a call from, or letter, or email or anything. In a panic I banged off an email to work to see if tomorrows pay run could be changed and could my wages be paid else where, nope too late. The advisor at Natwest said I need to call them tomorrow to get authorisation to withdraw my money and I now need to bank elsewhere. I went through everytning that has happened, and she asked if I wished to make a complaint. Too right I do. I asked why my mortgage was not paid, and her response was the direct debit was cancelled in June, without my knowledge. Her response was "It wasnt us".... so who did it then? And wasnt that around the time they had all the computer issues? She said there was nothing more she could do until this is investigated by the complaints department. Which will take a minimum of 5 working days. So here we are, 9 month son is down to 5 clean nappies left, and enough food for today. Now surely they cannot simply withdraw service without notice? Surely as a responsible lender they should have told us? She did say on the phone "didnt you notice your mortgage was not being paid" Well no, I had other things to deal with like taking my old employer to tribunal, and the imminent death of my mother, and her care. The entire time I was away my wife was checking our mail and notifying me of any problems, but we had no notifications from Natwest. I have banged off an email to Les Matheson @ rbs as he is the only contact I can find high enough up the food chain, and copied in Watchdog and the Financial Ombudsman but I dont know where to turn now. I am half tempted to launch small claims, the inconvenience, embarrasment and distress is unreal, so far today I have managed to do NO work and cannot concentrate. Anyone have any further advice? Have had a quick read through the BCOB and also had a look at the FSA MCOB (Mortgages and Home Finance) Any help gratefully appreciated. Brad

Hi all, My partner has just got off the phone in tears and I could do with some advice from you knowledgable bunch before I pursue. Background: She got an account when she was 13, she hasn't used for years. It looks like a mobile phone company (orange) have been taking £2.99 a month since 2008. The credit in the forgotten account ran out in Jan and today, my partner received a call to say that they want to know how the accumulated monies (now some £250) would be paid. When we asked what these were they said £6 a day in overdraft charges. Whilst the account has technically been used, they should have noticed that it is one payment a month and that it was probably forgotten about. To charge £6 a day for 3 month with no contact (apart from an apparent letter?) I consider to be irresponsible and not acting the best interest of their customers. Would you agree? Conversation with employee: The gentleman who called was incredibly petulant and kept saying 'you need to take responsibility'. He contined to argue even though my parter was trying not to. When my partner said she was on job seekers allowance as she is studying a degree, he said he would reduce the bill to £60 if it was paid in 28days. He then requested her outgoings and when she said she used all her money on bills and food he said 'then how are you going to pay for it?' She said she was hoping someone would lend it her and to which he said 'well I am not doing you the deal then' and contined to call her irresponsible. We asked for his name and he mumbled. So we asked again. I couldn't understand so I said spell it 'Aaron' he said. 'And your surname?' 'We aren't allowed to give them.' He the carried on arguing so we thanked him and hung up. Advice: 1) can someone advice the best approach to sort the credit? Go into branch? Letter? Complain online? 2) how can I make a formal complaint against the employee. I want to know who he is an take legal action against him personally. My partner has been in tears all day and I think treating people in that way is unacceptable. I want the recorded conversation etc. Can someone advice how I should pursue this - letter? Solicitor directly? Thanks all, really appreciate any help you have. Jamie

Natwest made the "assumption" that I no longer required the overdraft facility on my business account before attributing to me that I had requested it's removal. They acted on an instruction I never gave, and even wrote to me stating that I made the request to remove the overdraft knowing (and later admitting) that I did not. After realising their mistake they explained that they assumed I gave the request. How can an action be assumed on an instruction that was never given? Surely the bank can only know a request was made or not made, not assume it. Natwest have not given me a satisfactory explanation. My business has been crippled. Money I could have potentially earned has been lost. I estimate my total loss of earnings this year to be £8000. I am now starting to receive default notices on debts amounting to £12,500, which I am no longer in a position to pay. That brings total damages in financial terms to £20,500, and it's all attributable to the action taken by the bank. I have been unable to finance projects I was working on for 2012/1213 and my credit rating has plummeted. I complained to the Financial Ombudsman Service and was shocked when they rejected my complaint. Can anyone advise a way forward? Thank you.

Hello In July the Nat West Bank paid a direct debit that took us £7.94 o/drawn. Unfortunately we were unable to clear the £7.94 for 11 days which incurred a charge of £66.00. Every penny we have is spoken for and we have to live to a strict budget. If the dd wasn't paid we would have incurred a £12.00 charge not a £66.00 charge. This has escaleted and wehave now paid the Nat West £271 in charges. We spoke to the Nar West the very first time it happened and they told us th\t they could do nothing and the charges stood. We wrote to them raising the fairness of them creating an unauthorised overdraft, charges on charges and how it was causing a debt that we could not afford. Yesterday by phone - not by letter they told my husband that they had followed the banking rules and they had domne nothing wrong. They maintained the charges were fair and that as a gesture of goodwill they would refund £24.00 worth. We advised him that we don't get paid until 28th Novembr and we are o/drawn today because of the last £66 in charges. We will now incurr a charge of £120 for 20 days of being overdrawn. His response was speak to amember of your family to see if they will lend you the money to take you out of ovrdrawn balance. He also told us that going to the FOS would make no difference as the Nat West has done nothing wrong. Having gone down the avenue of using the new banking code what is left. Everytime we have been to the FOS regarding banking issues they have ruled in favour of the bank. Please if anyone has any ideas it would be greatly appreciated.

Hi, I took out a personal loan with Natwest about four years ago. About eighteen months ago I became unemployed and the bank put me onto a financial hardship agreement whereby after disclosing my ingoings and outgoings I was able to offer a token amount each month. After finallly finding work I learned that there where arrears on the repayment account of £650 in interest alone. Another arrangement was made in October 2011 to make two payments every month - one for the actual loan reapayment and one to cover the interest arrears. In November 2011 I received a letter saying the repayment had defaulted and the agreement broken, this even though I had obtained statements showing these repayments. When I queried the letter the Natwest I was eventually told that a banking error had caused a deficit of 7p on my repayment, thus causung the arrangement to break. I was reassured that the error was not on my part and the agreement was reset. That was Nov 2011. Since then the same thing has happened every month, with the agreement being reset. I was compensated £50 by the bank in June or July 2012 (Incidentally a letter which was generated and read out to me by a member of their Collections Dept informing me of the compensation was never recieved by m e, nor have several other communications). When the agreement is broken, they deactivate my debit cards, and i've found myself in the situation where i've been in resteraunts having my card refused because of this. The most recent inconvenience was on Christmas Day when I learned that yet again the agreement had broken (12p this time) and my card was unuseable. Christmas Day...I then found out that their collections dept - who where the only people who could unblock the card - would not be available until Dec 27th. A member of their customer services team actually said to me that he had spoken to another lady that same morning with the same complaint and he'd turned around and said there was nothing he could do. To say I was curt is an understatement. The matter is yet again in the hands of the Complaints Dept. who have assured me a letter will be sent detailing the situation, and the banks actions to prevent it from happenning again. I've gone beyond monthly rages to a wierd state of blissfull acceptance, but will certainly be closing all my accounts with Natwest once my loan is paid in full. Is there any further action I can take though? I'm livid at the thought of a company with Billion pound profits can operate such shoddy procedures (although considering what happened in the Summer it barely surprises). All the best!

I currently have a natwest business account that is currently roughly ( not had statement for quite some time)15000 overdrawn. Since dec 2011 I have been paying 1 pound token payments to my other unsecured creditors and they have all stopped interest. I have wrote a few times to natwest offering the same terms few times over past 12 months ,and this has been rejected , aswell as my request to stop interest accruing on account which is around 500 every 2.5 months. I have also in writing and over phone asked for sar and also copies of guarantee I signed back in 2008 , as I have documentation stating 10000 but natwest are saying 25000. In latest phone conversation (dec 2012)they mentioned debt will go to recovery agent as is ltd company and no longer trading. Am thinking this is better as no way can ever pay it back due to circumstances same as other debts on token payments , and at least interest may stop. Was thinking bankruptcy an option , but am currently managing other debts through my own efforts and advice from Cccs , am not with any debt management company or dmp , and are all accepting the pound at moment apart from natwest. I would very much like any help or advice regarding what you think my next course of action shoud be to resolve this. Best regards

Afternoon all, After running into difficulties in 2009 I had a DD paid when no funds were in the account and no overdraft in place. Then had charges and interest on top. Eventually resulted in CCJ by Fredrickson International, Natwests Collection agents of £884.79 + £147 charges + 1031.79 as I was not in a position to repay. I sent an SAR to Natwest who sent all of the information back to me. I sent a letter requesting the charges for unpaid DD, unauthorised OD fees on 01/04/2012, total of £902.81 + £205.38 for interest I was unfairly deprived of - total £1108.19, this being more than the CCJ amount. I received four letters dated 13/04, 11/05, 30/05 and 29/06 saying thank you for my patience, they were still looking into the matter and that they would be in touch by a set date. I then got a response on 19/07/12 saying sorry about my complaint but that the bank had acted correctly in levying the charges and that they had decided not to uphold my complaint, they enclosed a cheque for £100 for the length of time taken to respond. Then saying that was the final response to my complaint and that I have the right to refer my complaint to FOS and that I would need to do within 6 months. Is the Financial Ombuudsman Service a viable route to proceed? If so how do I go about it? Thanks

Please could someone give advice. Nat West Bank have closed daughters bank account -we think a third party paid cheques into her account without her knowledge approx 11k as this showed on her statement. we assume bank stopped cheques. They have refused to discuss reason. We have written to them but they have come back and said will not change decision. We think someone has hacked into her account. Natwest have placed a record with CIFAS against her saying 1st party fraud. At no time has bank contacted her to discuss. You are treated as guilty without having any opportunity to discuss. How can we reverse this CIFAS listing. We have spoken to the Financial Ombudsman but that is going to take weeks. What affect will this CIFAS listing have against her name/ future credit/ employer searches etc. Very worried-could anyone help please. Should we go to police to report this fraud?

I am acting for my son who has debt running to £112 000.00 including interest. he started with a £24 000.00 mortgage in 1994 and has now told us he can't make the repayments to NatWest. His original mortgage repayment was £113.00 per month and he brought home £1000.00 p/m. Now we find his repayments to the bank for mortgage is £399.00 + £250.00 for a fixed loan including £6000.00 PPI. His take home pay is now around £1300.00. One good thing is he has kept all his paperwork faithfully, but only two years of statements. It is such a complicated situation and so long standing that I don't quite know how to begin. I have been sitting on this for 4 weeks and researched, taken advice, been to see and taken a huge lot of action to stop: 1. Fraud (a pal ripped him of for years) stopped the fraud, informed police and regained a portion of the money, enough to make a difference. 2. Stopped all direct debits, all 21 of them, most to NatWest 3. Cancelled all PPI although they are still charging him money as they say the early years are less because of the type of arrangement. He will still pay £18.00 a month for the next 7 years. 4. Stopped Life insurance (Natwest) 5. Stopped PPI on mortgage a monthly payment of £26.00 Mortgage balnce now 57k from 64K 2007. 6. Stopped house insurance £28.00/m NatWest 7. Put BT on the lowest contract available 8. Put Orange on the lowest available 9. Ripped out emmerison heater and tank, doesn't need all that wasted hot water to shave and wash, uses power shower to bathe 10 Arranges cavity wall and loft insulation to cap heating bills this winter, Swalec have helped and he pays only £187.00 for their service 11. Arranged for a water meter, 2 weeks time, should save £20.00/m 12. Sold gus guzzler van and bought new car on HP , petrol is now 63 mpg. He has to have a reliable car to keep his job and his van was 13 year old and beyond repair for the MOT. If the worst happens the HP can reclaim the car. 13. cashed in his ISA of £1300.00 and used that to bolster his cash flow 14. Cancelled his credit card, his charges and PPI with interest came to 79% over a year. 15. cancelled his Advantage Gold account £13.00/m 16. stopped all payment for things he doesn't need. Before these changes his outgoings were £500.00/m more than his income, his income is now £228.00/m in the black but it is very tight inded. We (his mother and I) reckon that if he can hang on for one year he may be able to turn the situation around. but this depends on him getting a raise in January (£1000.00) and the economy turning around so that he can work overtime (£1000.00 pa- £3000.00 pa). He has two major loans: 1. Mortgage of £64 000.00 + Interest taken out in 2006 by the adding of £17 000.00 to an existing mortgage of £40 000.00 the PPI on this is monthly and around £28.00/m, this one we have stopped. The repayment of this is £399.00/m +PPI intalment now stopped. 2. £17 000.00 fixed loan taken out because he could not repay the mortgate taken out the year before. Together with the upfront PPI and interest adds up to a repayment of £30 000.00 over ten years. the monthly repayment in total was £250.00 now as we have cancelled it down to £218 p.m. the repayment without the PPI should be £200.00/m He started in 1994 with a £24000.00 mortgage and a monthly repayment of £116.00/m. It seems he got into the habit of financing small loans to pay of existing loans, all with PPI. So PPi has constantly been added to the ne laons, the conclusion isn obvious he is funding evrything on the basis of a salary and raising hosue values. He lievs alone, is not on drugsm cigarrtes or alcohla in fact he lives like a monk and his house hasn't been touched since he bought it. I have photographs. His only weakness is his guitar playing and his group, his music collection and the odd girlfeinds that walks into his life. I banked with NatWest for 40 yearsand so did my father, I sort of expected that they would look after my son. He is 40 but it seems fiancially illiterate. I have written to NatWest explaining the situation and asking for help in dealing with this matetr. They have written back saying they await my formal complaint with figures. I have told them that my complaint will be along the lines of: 1. Misselling of PPI 2. Lack of care with the Gold account 3. excessive lending, carless. 4. Unfair charges on credit card I am actually trying to formulate a plan to sue for: 1. They have not shown due care and dilligence in providing loans witch with a little effort they could have found out as I have done that he was being defrauded andn that his cahflow could not sustain his borrowings. It is nobvious that he is refinancing to borrow. He in fact told that to them and they then sold him upfront PPI of £6000.00 including interest. 2. Under the terms of the Advantage Gold account they promise to use data on his borrowings and on his usage (statement) to monitor for fraud and to recoommend action. They have not done this and he paid them £13.00/m. I should claim all this back to 2002. 3. Since the bank has added PPI from previous loans and other finance companies this has esculated the debt problem and is clearly unfair. i would expect a court to declare the loan unenforcable due to this unfairness as the agreement is under the consumer Credit Act 194 with ammendmenmts (17K loan) 4. The credit card charges are unfair as they are part of the Advantage Gold account and they should have warned him about these charges and interest if they were monitering his usage. They say that they use theinformation to consolidate a relationship, I reckon that relationship was one way and without due care and diligence. I am wondering if I have a case to stop payment on everything and let them sue him? I desperatly need a buddy on this and would appreciate anyhelp. Thanks Ieuan

Hello, wrote here few months back (see link http://www.consumeractiongroup.co.uk/forum/showthread.php?t=332079&goto=newpost) but now things are hotting up and still hitting a brick wall with NW. In short although I made effort to remove my name from a joint account years ago, NW claims they have no record of it and hence accept no liability. I might have better luck with FSA or financial ombudsman but that is for sure to take time. Also i submitted SAR and CCA requests under my ex’s name and mine in January, however i did not receive anything that I was not aware of. The records appear to stretch back to 2005 only and my attempts to cross off my name are from 2003-2005 after which i felt discouraged by the lack of response from NW (I did not realise at the time that the way to achieve results is to complain, but that shouldn’t be the right way anyway). The account was defaulted in November 2011. I read online that the bank should not be doing that before notifying the involved parties. I have certrainly not received a notification and my ex does not remember one either. NW only responded to the CCA stating that the debt was still with them and hence no information was due, but did not comment on the changed default status on the account. (no letters forwarded under the SAR too) As for the SAR. the only recent record concerning me is that repayment plan was discussed with my ex at least twice and i was not involved or informed of that. Also NW records read that although he stated to be off work, he was suggesting that as i am in full time employment the debt will be returned as per the payment plan – something that i did not agree to or had any knowledge of. As that did not happen at the time, now the account is with debt collectors and I am wondering if i can change the default status of the account in my credit record at all (even if i repay the debt, it will only state settled but will still prevent me from applying for loans or remortgage). I have few directions that are still to pursue. 1. I can forward my complaint to Financial Ombudsman, FSA, Watchdog etc. and try to get support. 2. My ex was charged with PPI on a credit card (again years back) that he might be able to claim back with the same bank, i.e. NW. That might suggest that the debt was not there in first place and could potentially force NW to withdraw the default on the account. 3. The debt amounts to approx. £1475 but the latter over £300 were piled up by charges in the last couple of months although it was clear that he was in a difficult situation and not able to reduce his overdraft. These might potentially be deducted from the overall debt and reduce it by a bit. I also just read Rob's post for success for overdraft debt. NW did not have any ' facility letters' as he states for the Overdraft agreement or opening of the account. NW have not forwarded such documents to me in response to my SAR request either. Can I use that somehow? Please advise me how best to reduce the impact of the situation. Is there a chance to remove the default at all? In the mean time i was considering to organise a direct debit for the least amount – say £50 a month with the debt collector to show good will and to buy off more time to proceed with further comments and / or complaints Thank you, Waiting in anticipation

Hi guys, I've got in a bit of a pickle... A couple of months ago I gave my debit card details to pay for my husbands season ticket. They told me the money would be debited from my account later that day. All fine. Last week I checked my bank account to find it overdrawn. I thought that very odd as I hadn't spent anything. It turned out the money for the season ticket had been debited last week - not two months ago. I contacted Natwest and asked for a temporary overdraft facility to avoid charges - I was told this would take days, and that i had gone o/d several days before and was being charged a daily rate. I was approx. £130 o/d so transferred £150 into my account to bring it back into credit (so no point in applying for an overdraft). The next day I checked my bank again and was £40 o/d - I was working and couldn't call the bank so went to the branch the following day to ask what was going on - to find I was now £18 o/d (are you getting confused? I am). They told me a d/d had gone out hence taking me back o/d... I asked why the previous day it had shown me as £40 o/d and today it was £18. She said I hadn't ever been £40 o/d. Anyway, I transferred more money to get me back into credit. I then get a letter from Natwest telling me I was o/d for 5 days and I'll be charge £6/day! This letter arrived a WEEK after I first went o/d. (this annoys me as Natwest have no qualms about calling me to sell me stuff, or texting me - yet when there's something so unusual on my account they neglect to mention it for a week). Next day I get a letter from Natwest credit card telling me my d/d had been returned - with a £10 charge, I was therefore hit with a 'late payment fee' £12. Natwest have charged me an extra £6 for the d/d return too. I have written to Natwest asking them WHY they would allow a transaction to go through that was clearly 'not right', why they had allowed all my d/d's bar the Natwest credit card (so they can doubly screw me???) but got no reply. To add to that I have just been hit with a £12 'over limit' fee because of the c/c charges. So, to date Natwest have charged me £70 in fees for one transaction! Surely this isn't right? Helpful banking? Help yourself to my money more like. Any suggestions?

My husband has a loan with Natwest and an OD on his account. He was made redundant on April 14 this year and as a result this months payment wasnt made (due 26 May). We are in the process of sorting out his benefits as I am disabled and unable to work and today we got a letter saying that Natwest want FULL repayment of his loan and overdraft by tomorrow (letter dated 1st June, received today) or thats it and he wont have an account and any money put into his account (ie benefits) will be absorbed into the payment of his loan and OD. He rang the number on the letter and got an unhelpful lady who got all of the details incorrect and then she said we needed to tell Natwest how much we were getting monthly by MONDAY and said nothing could be done for us and that that would be it and (and I quote) "if it gets passed on there's no coming back from that". The Jobcentre cant tell us when he'll get his money as its still being processed and now we have nowhere to go for help and Natwest are doing nothing for us. We desperately need help. Can anyone give us some advice please??? I would have thought Natwest would want to help people in severe financial hardship yet they are unwilling to do anything.

Last 3 years have been hell with Natwest, I have a small shop which is on a commercial loan with my house as security. Business has been difficult especially with some serious problems and whilst I had money to cover repayments they was also keen to offer me overdraft facilities across 3 accounts upto 40k 3 years ago, within a year of these facilities in place they wanted it back, I asked why the panic all of a sudden and they just said it's been passed over, my bank manager no longer wanted anything to do with me?? this Natwest person suggested consolodating one of the overdrafts onto my shop loan and converting 2 accounts into a loan, seperate businesses, on the strength that after a period of good banking they will be reinstated, I thought it was odd but natwesr gave me no choice and I was lead to believe they was helping. Now Natwest want to enforce there security ie take my house and shop, I registered a complaint with federation of small business who suggested I contact the fos, Natwest replied basically saying we are not upholding your complaint if you don't like it you can register a complaint with fos, but that is were the complaint come from. Last friday I received a pack from shoosmiths basically saying we having been instructed to enforce the banks security and proceed to take your property, they have given me 3 working days from receipt. I'm walking round in a daze but I know this problem is real and they will take everything I have worked for and made myself skint for over the last 6 years, 3 great and 3 hell. The bank won't listen, tried all ways and all this person told me was to go to another lender borrow money from somewhere else, which I can't, just no sense and verbally threatened to take my property, and to only use the account to pay them what they are owed, (which I have recorded) and generally treat me like ****, I even went into a branch to get a printout so I can see how much they have taken and after being made to wait 20mins I got called into a side room and handed a telephone with someone on the other end telling me off for trying to use the bank and my proposals for paying everything back. They haven't sent me a bank statement for a year, I have no facilities, all my credits they take 2 or 3 times a month they empty my bank account. I just don't know what to do, battled for so long they have worn me down and out. Thanks for reading hope someone can offer me some advice??

I am new to this site and I will be very pleased if anyone has the time to read about our problem and advise us on how to get Nat West to reply to an escalated complaint and refund my wife's money. The bonus interest rate on my wife's e-Savings account with Nat West was coming to an end and she rang Nat West to ask about alternative accounts, and if interest had been paid net or gross. She had to answer a number of security questions, and didn't understand one, so I helped her. Well, the CSA told her off, told her to go into a different room and reset her security at the end of the call. Now, after passing security, the answers to my wife's questions were contradictory, so my wife asked the CSA to speak to me, as she was confused. The CSA refused. She then asked to speak to a manager and somewhat reluctantly was told a manager would ring her in 15 or 20 minutes. One hour later and no one from Nat West had rung back, so my wife rang Nat West herself. She was told no call back had been arranged, but a manager would ring her back within 2 hours. No one called back in 1 week So then I rang Nat West and asked a CSA if, after my wife had passed security, he would speak to me about the problems my wife was having, and was told NO. After we had thought about this, my wife wrote a letter to The Manager of our nearest Nat West branch and took this into the branch herself to guarantee it was received. In the letter she asked Nat West to close her account on the 14th February 2012, the day the interest rate dropped, and transfer the closing balance to our Nationwide Flexaccount. For greater security only partial details of the Nationwide account were provided in the letter, the rest could have been obtained by a phone call, e-mail, letter or even the account from which my wife had made an initial deposit of £3000. She also asked that if Nat West contacted her by phone, would they please speak to her husband. She also made a formal complaint. A week or so after the account should have been closed, the closing balance had not been transferred to our Flexaccount, and she had heard nothing from Nat West so my wife rang Nat West again! She was told that, on the computer screen, her complaint was shown as being resolved, and that the money had not been transferred because only part of our Flex account details were given in the letter. The complaint had not been resolved, and Nat West had made no attempt to communicate with my wife, so she asked that her complaint be escalated to the next level. She was told this was being done as she spoke, and she was asked for, and provided, the 'missing account details' so that the closing balance could be transferred to our Flex account. She was told the transfer would be made. That was about 3 weeks ago, in the meantime I have been sent to our local Hospital's A&E for extra blood tests and an e c g etc, because of heart problems that this is making worse. My wife has heard nothing at all from Nat West Bank. Is this Fair Treatment? Please can anyone advise our best course of action to obtain my wife's money back, an apology from all concerned and some recompense for all the time this has consumed, and the stress it has caused us both?

a bit of background i had a loan and overdraft debt with natwest from 2006 that they passed it to apex credit, i was paying the debt off at £250 a month... with 3 payments to go. Out of the blue last November i had some natwest statement sheets come through the post showing a early repayment to the loan account, which closed the account, no explanation to why but i checked with the bank and they confirmed that the loan was paid off and my current account had a balance of £10, which i paid over the counter to clear the debt i checked my credit file early january and this confirmed that i owed natwest nothing! Both account showing settled! Happy days i thought... Then on the 6h of February i received a letter stating i owed natwest £760! and they were looking forward to hearing from me within 28 days.. I rung natwest last friday 2/3/12 demanding answers ,the advisor told me there had been a system error and for 3 months the account had been 'lost' and when they realized there error sent me this letter. While i was on the phone to them i checked my latest credit report online, now natwest have changed the payment history data, for the current account knocking out 3 years of payment history, which now shows a default that was in aug '08 which has now moved to oct '11! i was about to agree a £380 Final and Full Settlement until i found this out. I told the advisor that until i had answers i wouldn't be making any payments,then i was told that someone from the correct department would contact me with 48 hours.... Guess what no one contacted me, so i rung Natwest today 6/2/12 to find out what was going on and i was passed from pillar to post eventually someone telling me that my query was being looked into now where do i go from here? Natwest have screwed up and i want answers

Hi i have an account with natwest,a few months ago a direct debit tried to take 15 out of the account obviously not there. at that time couldnt afford it.bad times. Then it just spiralled next thing i know 140 then to 350..thats a lot of charges, It seems fair enough a couple of payments come out from a phone provider that im with..which strikes me odd..as the account is over its limit and no funds there to do it.So about 120 of that purley that payment.the rest is charges.. so i rang.. basically she said clear of the 120 that was taken out and £60 towards the charges.said im experiencing financial difficulty.Her response was the default process will begin but you have 28 days till its passed over to credit management team or some garble. is there anyway to circumvent these people im not paying near 230 charges for a 15 pound failed direct debit. suggestions as always welcome. thanks

Hi everyone, as advised this is a break off thread to detail the treatment a family friend received from Natwest bank. I found out last year that my mother in law was struggling with a very large loan with Natwest the loan was originally for £20k plus the loan increased from sub £3k over 7 years to the £20k+. At every review she was advised to take out a larger loan every single loan unknown to her had PPI. The reason for taking out the loans was to stop bank charges on her 2 current accounts with Natwest. My mother in law is in her mid to late 60's and to pay the loan she works in an old peoples home as a care assistant she used to be a sister so has a good pension. The part time work pays her debts. Due to her age and health she needed to cut her hours. This obviously reduced her free capital to pay none essential loans. After during a preliminary I&E it was crystal clear she could not continue as she was. The main creditor was Natwest they offered no help at all they never even told her about the PPI she had on her loans. We only found out about this when we received her SAR info back. We completed I&E forms and sent them to her 3 creditors along with covering letters detailing exactly how much they WOULD be receiving and when. The repayments were set up by standing order and they were commenced as soon as the letters were sent. The payment amounts were not open to negotiation as everything was worked out on a prorate basis. In late 2011 NatWest agreed to her repayment plan, payments were made every month after a few moths she received a letter stating that she had broken her repayment plan and that they would be taking further action unless we contacted them. The bank that sent the standing orders was contacted and everything was correct amount, account and sort code. After contacting NatWest she was told that she had indeed broken her repayment plan. It turned out that she had underpaid by 7p a month, she offered to correct this to be told that she had to resubmit her I&E and repayment offer this was done. What needs to be made clear her is that Natwest took her repayment amount from her I&E form not the covering letter which clearly stated the repayment amount rounded down to the nearest £ the underpayment was in fact 0.05% of the monthly total a completely petty amount. To put it in perspective the first class stamp cost more than her alleged underpayment. After she resubmitted her details nothing else was heard From Natwest the repayment amount was adjusted via the standing order as we promised, no acceptance was again received from Natwest. Towards the end of 2011 Apex contacted her demanding the full balance. The balance outstanding was now greatly in dispute as it turned out the loan had a huge upfront single premium PPI of the order of £7k in addition Natwest owed her £13k on the other 9 loans that had sold her PPI on. Natwest had agreed to refund all the outstanding PPI prior to Apex been attached. I contacted Natwest on the phone to speak on her behalf as to why the account was been collected by an external agent when we had a repayment plan in place were were told that they could basically do what they wanted to do. I also asked why the account had not been returned as the balance was disputed. The numpty at NatWest stated that even though they had agreed to refund the PPI and we had accepted it the balance was still currently correct as the refunds had no been applied. Absolutely shocking. So to date we are waiting for the new outstanding balance and responses to 2 letters of complaint sent to Natwest. She has received cheques for the 8% compensation but no updated balance to which they have set-off her PPI premiums. Throughout this sorry mess she has not missed a single repayment we originally agreed in her original repayment plan letter. After reading the latest newsletter it is clear to me she has been unfairly treated by NatWest Bank and we look for advice on our next step. Thanks Pumpytums

Hello, Im hopeful someone can advise me on my situation. Been a natwest customer 10 years although recently changed my account to a current plus acct (no arranged overdraft) and had a £40 DD payment not go through as i didnt have enough funds and in the acct at the time. I hadn't thought anything of it as i paid my DD to the company in question over the phone from a different acct. Now i received a letter from natwest stating i owed them £6 for every day since the payment was declined, adding up to approx £100 and presumably will carry on increasing. I cant pay as i dont have any money due to debts nor do i feel that i should have to pay anyway. What can i do? Many thanks

Hi, Looking for advice as I'm furious right now. I exchanged contracts last week and had a completion date of today (friday 24th Feb). I've had several conversations with my solicitors confirming completion was happening today. This morning I got a call from my solicitor confirming money had been sent over via wire transfer and it should clear within 2 hours, after which I would receive a call from the estate agent to release the keys. My solicitor is using Lloyds TSB and the seller solicitor is using NatWest. Lloyds have confirmed the money has left them @ 10:14 this morning and NatWest have confirmed they have received the money but it is in a 'filter' account. Basically because the money is not in the vendors solicitor account I can't get the keys which means I can be there for my deliveries which I have arranged which means I will incur costs. Where do I stand on this matter? What should I do? Am i entitled to claim my lost expenditure on re-arranging deliveries and calling off the worker I have paid to be there over the weekend to complete work? Is there any way I can get the keys quicker than Monday next week? (That's if NatWest decide to release the money on Monday... Who knows how long they will take???) I'm so angry at the moment I just want to sit and cry.... /rant over.

Onto a different property. My credit rating is awful and I know I won't get another mortgage.

Hi all, I went to my local branch of Natwest (where I bank) to open a basic bank account for my 19yr old daughter who has autism/severe learning difficulties and has a mental age of around 3yrs old but they refused to open her an account. They said they could not open an account because she would not know what she is signing for. I could understand if I tried to get her a gold account/loan/credit card, but just for a basic bank account so she can have her ema and dla paid into I find is stupid. Is this discrimination? If so what can I do about it? Any advice would be welcome as I need to sort something asap for her. Many thanks Jo

Back in January 2005 I stupidly took out a loan of over 20k with Natwest. At the time I was self employed but earning only an average of £300 amonth. I should never have taken the loan and also never given it from the bank. Needless to say it didnt take me long to get into severe problems in repaying the bank. I ended up contact CCCS to help me with payments to my creditiors as i took out credit cards to help pay the loan fees. I have been on a debt management plan for 5 years now and paid nearly 7k of the loan back. It is starting to really get me down as I am struggling to survive as the past year my circumstances have drastically changed and have hardly any disposable income. The payment has reduced on my plan and is due to go on until 2042. I dont have any of the loan information paperwork that was given to me. What is my best plan of action of dealing with this debt? It is totally unsecured and I have zero assets. I have thought about contacting the bank directly and seeing if they would reduce the outstanding amount. Any advice would be greatly appreciated.

No way - Natwest have this new BLACK Account for £24 a month- its the best they do and it comes with PURPLE CARDS - what a joke have i missed something. Where is the black Card and why are they not issuing black cards. What a con - i meet the account requirements and no way will i stay with these lot.

Hi, Im wondering if anyone can help me. In July last year whilst in Egypt I paid for an excursion that was nearly £400. The trip was paid for in advance so we have a reciept. On the morning of the trip no one came to pick us up and we didnt go anywhere. At this point my debit card wasnt charged. On our return home we found that the trip had been charged and contacted Natwest who put us through to visa chargeback. I recieved a fax which I filled in and faxed back disputing the charge and exactly why and was told by natwest a few days later that they had found in our favour and the monies were returned. We thought that was the end of the matter until yesterday when the money (£371.07) was debited from our account leaving us without a penny. After numerous calls to and from Natwest it emerges this chargeback as raised its head again as the merchant in Egypt has sent Visa a reciept (Of course there is a reciept the trip was paid for in advance) Visa Chargebacks have now said as the merchant advises that the reciept is only issued AFTER the trip. (It was in fact issued in the hotel lobby days before the trip) They have clawed the money back. Natwest also advise me that they wrote to me in November advising of the recipet being produced but I never responded so they have taken their money. I have told Natwest that the reciept was issued when the trip was booked (which is normal procedure here and abroad I feel), The natwest advisor continued to tell me that they can not arbitrate so can not take the case any further. I told her that I feel that they have taken the Merchants side as he has had the money back. Natwest said they will pass it to arbitration which can take 48 hours but theres no guarantee they`ll find in my favour. I also explained to her that I had no knowledge this case was still pending and that as far as I was aware it was closed as it was settled in our favour in Aug and its now Feb. Can anyone help me or have I been ripped off and lost the best part of £400 ? I just dont know what to do. Its taken me over my agreed overdraft & left me without a penny.