Defaulted Nat West Current account

[riply88]

I have a few threads going, but this is my Nat West one.

 

I had a few issues and worked away a lot in the last 4 years, and my Nat West current account was overdrawn. I guess it went to collections but i never heard anything in the post and just forgot about it (stupid i know). I have checked my CRA and it shows as defaulted back in 2009, for around £1500, although strangely in the last few months the balence has reduced by about £100??

I do want to sort it out now, but i guess there could be charges on the account, I did get a load of charges refunded around 2006/7 so i know the process.

 

First step is to SAR them i guess?

 

I also had a business account which appears to have been closed as well, can i just phone them about all this or should i keep it in writing?

[maroondevo52]

Hi,

 

Your right about sending the SAR, this will let you know the score regarding both accounts, I'm afraid claiming back charges on a current account is very difficult now, you've either got to go down the hardship route or have a look at BCOBS.

 

Once you get the info working out a way to get things sorted should be easier.

[riply88]

Hi,

 

Your right about sending the SAR, this will let you know the score regarding both accounts, I'm afraid claiming back charges on a current account is very difficult now, you've either got to go down the hardship route or have a look at BCOBS.

 

Once you get the info working out a way to get things sorted should be easier.

 

Thanks. Am i right in thinking though they should not default it if there is charges? Also whats the best address to SAR Nat West?

[maroondevo52]

If you want them to remove the default using the charges as a reason it has to be clear that it was the charges alone that resulted in the default.

 

The latest address I have is.............

 

The Manager Subject access request Team

Ground Floor

Business House B

PO Box 1000

Edinburgh

EH12 1HQ