Oh my, Natwest did exactly the same thing to me in 2004. I had a premier account with a 10,000 loan roughly 2,000 had been repaid and a 3,000 overdraft which was maxed but rarely exceeded and a gold mastercard. I was called in for a meeting and brow beaten into an 11,000 loan on the spot over a repayment period of 7 years, it works out i will have repaid roughly 17,000. I was told that the income criteria had changed for this account and i no longer qualified for it so take this loan TODAY or we'll close your account and take you to court, up until this point i had not missed any payments so i was bewildered but scared witless and signed up. They then bumped me back down to a step account with a solo card.