Thanks for all the advice. I've now openened an account with another bank. I wrote to NatWest telling them I was prepared to make regular monthly payments to clear the debt, and asked them to send copies of my bank statements and a break down of interest and charges. The letter was sent at the beginning of this month, and I still haven't received a reply. Should I submit a Subject Access Request? Surely there must be some legsislation that states that if I have an account with a bank they are obliged to provide me with statements in some shape or form?

I have exceeded my overdraft limit on my NatWest current account, and it has now been passed to their Collections Department. Collections have cancelled my debit card and asked me to return my card and cheque book, but they are also denying me access to the account via telephone and internet banking. When I log-in to internet banking, the account is no-longer listed. When I use their automated telephone banking service I'm told my account details are not recognised. Any member of staff I speak to tells me that a 'block' has been placed on the account and they cannot discuss any details with me - I have to speak to Collections. Stopping me from making any further transactions is understandable, but I now have no access to the account whatsover. I don't know my balance, I can't order a statement or get details of any transactions or charges. I've written to NatWest explaining my financial circumstances and offered to pay a fixed amount each month. I received a letter from them today informing me that blocking access to the account was done to 'prompt me' to call Collections, and access to the account will only be restored once I've phoned them and agreed a repayment plan. The letter gives a figure for how much they claim I now owe NatWest, a figure which is far higher than when the account was first passed to Collections. I completely accept that the overdraft has to be cleared, and have offered to pay them, but I feel intimidated that they are not allowing me any access to the account at all unless I discuss the matter over the phone. I'm also concerned that I now have no-way of finding out what the status of the account is, and how much I actually owe them. If you have an account with a bank, surely they are required to provide you with statements and details of your transactions and charges? Any advice, please?!

What are Triton like to deal with - are they likely to agree to a repayment plan? I have a basic account, now with another bank.

I have exceeded the overdraft limit on my current account with NatWest and wasn't able to put a repayment arrangement in place with them to clear it. I had letters going backwards and forwards for a while, sent them details of my income and expenditure, but they claimed that the amount I was prepared to pay each month wasn't enough. I've just spoken to a very surly and impatient women in their Collections Department who has told me my account will now be passed to "recoveries". She refused to give me any more details and pretty much told me it was inevitable that their "recoveries" people would take me to court to get authority to take money directly from my wages. Does anyone on here have any previous dealings with NatWest and can tell me who these "recoveries" people are, which DCA NatWest use and what they're like to deal with? What are the chances of it going to court?

Thanks for the advice guys! The text came from 0800 093 4800

Has anyone heard of these guys? I received a text message from them asking me to call them urgently because they haven't received my 'agreed payment' - but I've never heard from them before. They gave a number to call them back, but it rings a couple of times and then the line goes dead.

Sorry in advance if this is too long a message! I defaulted on a loan with Pounds Till Payday at the end of December. I e-mailed them asking if I could set up a repayment plan, but the only response I received was 'we acknowledge receipt of your e-mail'. I contacted them again a couple of times, but got the same response. I then received an e-mail on 15th January from Zac Baker, and Account Manager at PTP, saying that my account had been passed to him. I replied and let him know my circumstances. He e-mailed me back on 20th January. The e-mail began Unfortunately for some reason you are choosing to ignore this situation. I have given you ample time to contact me, but you have failed to co-operate" He told me that if I did not pay, my account would be passed to a door to door collection agency who can appear at your home or work place demanding payment. I've tried to explain my situation, but I've received two e-mails from him today. The first told me again that my account would be passed to a "debt collection agent who operate a door to door service" and claiming that he "was not clear" (despite all my previous e-mails!) of my financial situation. The second began With all due respect, Pounds Till Payday are not concerned with the details of your financial circumstances. Their only concern is that the customer repays their outstanding balance. !! He's refusing to set up a repayment plan. I have until 6th February to pay the balance in full (£559) or the account will be passed to a debt collection agent called Clarity. Has anyone had any dealings with these guys? Are they more likely to accept a repayment plan? Surely they're not entitled to turn up at my place of work without warning? I'm worried sick about this.

Quick Quid are still refusing to give me their bank account details. Should I send the paymnents to the registered address given on their website? Do they have to accept payments received by post, or only direct debit or debit card?

I have two store cards (Debenhams and Dorthy Perkins), with Santander. I recently fell into arrears with my payments due to fraud on my bank account. I phoned Santander to let them know about this, and also confirmed it in writing. My accounts were passed to their Financial Solutions Unit. I completed and returned an income and expenditure form for each card. I called them a few days later and they confirmed that they had received the forms, and asked me to send in either a copy of my bank statement or my pay slip as proof of my monthly income. I sent a copy of my pay slip, but heard nothing more. This was in November. I have kept copies of the income and expenditure forms I sent to them. To my astonishment today I received a letter from Santander claiming that I have never sent them an income and expenditure form, and as a result 'collections activity will resume' and 'charges and interest will be added to the account' ! Anyone?

An update I e-mailed Quick Quid complaining about the telephone calls (which I was receiving about 5 times a day). I explained that I wanted all communications with them in writing, and mentioned the Protection from Harassment Act, and after a couple of days the calls stopped! I really want to get myself out of debt and clear this loan, but I don't want to give Quick Quid my new debit card number. Does anyone have their bank account details so I can make payments by standing order - I've asked Quick Quid for this a couple of times, but they refuse to hand the details over.

Over the last couple of days I'd been receiving a number of calls from Quick Quid both at home and on my mobile - all saying that it's "most important" that I call them before their closing time of 9pm. I sent them another e-mail explaining my situation, and I received 5 calls during the time it took me to type it! I'm speaking to the CCCS about getting my finances back in order and have e-mailed Quick Quid if they would accept a repayment plan of a fixed amount each month. I'd like to make the payments over the counter at the bank or via internet banking but I can't find their bank account details anywhere. Can anyone help?

I took out a payday loan recently with QuickQuid. Due to fraud being committed on my bank account, I was unable to make the payment which was due at the end of October. I made Quick Quid aware of this by phone and e-mail, and we agreed a payment of £115 to be made at the end of November, with the rest of the loan payable the following month. However when I checked my bank statement, I found they had taken £225 from my account. When I spoke to them on the phone, they told me that they had taken a payment of £225, "just to see if it would be accepted"! They then became abrupt and refused to correct the mistake. I've e-mailed them, and also written to the London address given out on their website, but I haven't received any reply. I'm now starting to receive calls at home and on my mobile. Grateful for any advice you can give me.