Another day, another letter from Natwest: So basically, they're not accepting the token payments. Anyone know what I should do? This letter only covers my Bank Account and Personal Loan, I've not yet received anything for my Natwest Credit Card or my Virgin Credit Card. Also, regarding the CCA letter template (http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter), it's just the FIRST PARAGRAPH where by I need to change the section number (ie, S77 for the LOAN, S78 for CREDIT CARDS)?

Got another letter today from Natwest regarding my bank account (with it's £800 overdraft); There's also a page 2 with details my account info; So, unless I'm reading this wrong, they're not accepting my token payments on my bank account, but they are on my loan?! I mean, the letter regarding my loan just stated that I was behind with the payments and I'd receive an updated statment every six months, whereas the above letter about my overdraft basically says they want the money back asap. Anyhoo, I'll be posting the CCA letters on monday. Do you think I need to write back to Natwest regarding my overdraft (using the 'sorry to hear your not accepting my token payment' letter? Sorry, forget the name of it!)

Righty, I've had my first response (from Natwest) as follows; Then, there's a 2nd page basically stating that as of 31/03/2010 the loan balance was £4069.96 with outstanding arrears of £339.16 (basically, x2 months payments). There's also some more text underneath stating; So there you go! Hopefully I'll get more letters this week regarding my Natwest Credit Card, Natwest overdraft and Virgin Credit Card. @loobyloo85 - are you talking about those 'consolidate your debt' type programs, or something else? The CCCS basically said that what I'm currently doing is my best option as my income is less than my outgoings (although, they took into account things that I don't actually spend money on (doctor/optician etc) and where as I told them my weekly grocery shop was around £15, they automatically upped this figure to £20something, as this is considered the average). To be honest, I personally think that my income is a couple of quid more than my outgoing based on how I spend my money, but hey, just doing what they told me to!

Thanks for the suggestions guys. I'm still awaiting a response from my creditors at the moment. Just checked the tracking info and they've all been delivered in the last couple of days, so should probably expect replies sometime next week. I'll get on with doing the CCA letters in the meantime...

Ah, yes good point. Forgot about the Advantage Gold charge...I'll write them another letter in the next few days asking to downgrade my account. As for the other charges, do you think they're claimable? Ignoring all the AG charges it still totals to almost £340. I understand the 'REFERRAL' and 'UNPAID ITEM' charges should be refunded, but I'm still not sure about the other charges with no details (have just edited my first post to remove the AG charges)...

Thanks guys. Actually ended up sending the letters yesterday morning, but not to the addresses you've suggested. Sent the Natwest ones to their Customer Relations (Borehamwood) address, and the Virgin letter was sent to Virgin Money PO Box 9522. Chelmsford UK CM99 2AB. Remembered to send them recorded too! Hopefully I'll start getting some responses soon...

Ok, called CCCS and they've sent me a letter to print out (along with a budget) to send to each of the creditors. Anyone happen to know the addresses I should use for the following; Natwest Advantage Gold account Natwest Personal Loan Natwest Mastercard Virgin Mastercard ?

Not sure about this whole claiming the bank charges back malarky, but have been going through my statements (via online banking) since I opened the account (Mar 2003) and have found the following charges; 31 Mar 2003 CHG 28FEB -20.00 30 Jan 2004 CHG 02JAN -29.00 11 May 2004 CHG REFERRAL CHARGE, FOR APRIL -25.00 28 May 2004 CHG 30APR -29.00 08 Sep 2004 CHG REFERRAL CHARGE, FOR AUGUST -25.00 30 Sep 2004 CHG 03SEP -29.00 31 May 2006 CHG 28APR -38.00 13 Oct 2009 CHG 22SEP -28.00 13 Oct 2009 CHG PAID REFERRAL FEE, 22SEP -30.00 13 Oct 2009 CHG UNPAID ITEM FEE, 22SEP -38.00 12 Nov 2009 CHG UNPAID ITEM FEE, 22OCT -38.00 Now, all that information was taken directly from my statements, but it seems that most of them don't give any real information as to what the charge is for (just gives a date, ie '22SEP'). All of the above totals to just over £1200 and I'm wondering whether it's something worth pursuing? Thing is, it's probably not a good idea at the moment as I'm currently in talks with the CCCS regarding my Natwest/Virgin accounts and my inability to pay the bill at the current rate (we're trying to sort out a reduced payment with both Natwest/Virgin). Am I right in thinking that trying to also claim back charges is just going to add fuel to the fire and possibly result in Natwest not being helpful in regard to my financial situation? Like I said, I'm not sure what the charges are for and they seem to be of such varied amounts. Any advice on this would be greatly appreciated.

Hey robbond55, thanks for the reply. It's nice to know that you guys are so helpful. What with me being a new user and pretty much waffling on, I wasn't sure I'd get such a quick reply! Do you think I should call the CCCS before contacting Natwest? I mean, that's the one I'm most worried about as I owe them for 3 separate accounts. Like I said, I was going to call on monday and offer to pay the £50 I can afford at the moment, but as they're expecting a £160 payment I'm not sure they'd actually accept it. Plus, I'm pretty sure that another payment (on top of the missed one) will be due soon anyway... In terms of work, yes, I'm still only working 14 hours a week. As far as I'm aware I can work up to 16 and still receive housing benefit, any more than this and I'd lose the benefit but may be able to get tax credits. As for the rent increase, it's lucky my landlord is a nice bloke and will knock up a letter for me. I've already told him that I'll have to get in touch and see if I can get my housing benefit increased. He seemed ok with that, although I'm not sure what his opinion would be on my debt...not actually told him yet (should I tell him? It's his house after all, but I'm not sure he'd be happy with the situation and it's pretty damn embarrassing). I know people generally look at all the negatives in situations like this, but I've just got this hampering feeling it's all going to spiral out of control and I'll end up having to admit defeat and move back to the town I so desperately wanted to leave (and tell my parents that their 28 year old son may have to come and live with them for a while because he's got debt problems!)

Hello all. I've been reading a lot of the posts on this forum over the past few days and I'm in desperate need of some advice. Basically, I'm currently owing the following; Natwest Personal Loan – £4069.92 Natwest Overdraft - £819.24 Natwest credit card - £325 Virgin Credit card - £1000 Anglian water bill (from previous address) – paying £60/month (need to phone on monday and find out how much is still owing). I used to pay all of the above no probs (generally, I have missed a fair few payments over the years, but always got it sorted (with a charge) and never had any CCJ or threats). However, in September 2009 my hours were cut at work (40 down to 14). I decided at the time that my best option would be to move away from the small market town I used to live in, to the nearest city, in the hope I'd be able to look for another job while still working my part-time hours. That was 6 months ago and I've still not found another job. I currently earn around £105 a week from my job, plus £22.88/week for housing benefit. My monthly rent is £260 and my travel expenses come to £14/week (bus fair). I'd also estimate I spend around £80/month on living costs (food, clothes etc). I have been receiving housing benefits from the council in order to help pay my rent but everything has finally caught up with me. I missed last months loan payment and had to contact them a week late by phone to make payment. I've also just missed this months payment for everything listed above (which also caused my overdraft to exceed it's £800 agreed limit). I'll totally admit that I've had my head in the sand over the last 6 months and have been occupied with the move to the city. Now, I also have a few more problems. I no longer have any of the agreements for the loan or the 2 credit cards (all of which were taken out between 2003 and 2007 – without agreements I can't give an exact date). Would this be my first port of call...getting hold of copies of the original agreements? I've had a letter through from Natwest about the missed payments and am expected to call them to arrange payment (they have also been calling/texting me but I have not answered their calls/texts). The letter (dated 21st March) also had instructions to cut up my cards and send them back. Failure to do this would result in someone coming to the house to collect them along with a £125 charge to my account. I managed to pay (online) £25 or so to the Natwest CC on today in order to get it back within the credit limit (£300) and have another £50 “spare” cash this week which I was planning 'giving' to Natwest towards the loan payment. Is this wise? Would they even accept such a low payment (my monthly payment is normally £160)? Was going to phone them on monday... I know when you look at my incoming/outgoing it completely doesn't add up and I've actually been selling personal belongings over the past few months in order to make payments on the accounts. I do have a few more bits that I could sell, but really don't want to (ie, I have a drum kit worth around £700, but really didn't think I'd ever have to sell it). My biggest worry is that I do not want people coming to the house. First off, it's rented accommodation. More importantly, I do not own the house...I'm a lodger, basically just renting a room. The owner of the house is a friend of a friend and I certainly wouldn't want him getting involved in all of this (he earns a fair amount of money, drives a BMW and is currently trying to sell the house). I'm just worried that if my loans etc get passed onto a DCA that they'll try to take things that aren't mine! Just really need some advice here as I'm absolutely clueless about what to do. I know this information is all over the place and not very coherent so I apologise for that! Also, compared to some people on this forum my debt doesn't seem like too much, but I'm just so worried about it all. (in my haste I've probably missed some vital information too...please let me know if there's anything else I should post) [edit] thought of something! I had a 2nd bank account @ Barclays which is used purely for my wages/benefits (ie, no direct debits or anything else leave that account) [edit2] great, it just keeps on getting worse! Landlord has literally just told me that he's probably going to have to increase the rent starting next month. This'll now be £300/month. Whether or no I'll be able to get the extra £40/month from the council I don't know.