Many thanks, I ignored the golden rule - read before posting [] I shall have a browse, thanks guys

Well the letter they sent me as a reply to my complaint basically said: A) You DO owe us this money B) But we will remove the default I replied with the cheque saying 'here's £100, if you cash it, I will take that as full and final settlement and that tyou have removed the default.' I have not checked my credit record so I don't know if they have or not, but they did cash it. How do I get a record of any dealings I personally have had with Natwest as a whole? Is that a 'DPA'? Ive moved alot so how do they know its me, do I simply put all my addresses? And who should I write to? Thanks for the prompt response!

Hi guys, I’m new! I had an incident with Natwest I’d like to share and I’d like to know if I have any comeback? In 2004 I opened a second current account. I bank with HSBC, but the second account was with Natwest. Long story short, I wasn’t using it and decided to close it. I went into a branch to pay off the £20 I was overdrawn and close the account. The manager told me ‘it will cost £45 to close this account’. I said ‘Ill leave it dormant then’, and he said ‘that’s my choice’. So I did. He also kept my debit card? That was in mid 2004. In late 2005, I received a letter from a collection agency: I owe Natwest £416.42. I ignored it, contacted Natwest directly and asked what the hell was this as I pay EVERYTHING on time EVERY time! I have moved around a lot and they claim not to have been able to reach me, but I have a LARGE Natwest business loan and a Natwest Master Card, so its not like I did it maliciously (although they are separate entities). I asked for statements, which they sent (not all mind you, only half of them). It turns out, after I left the branch the account went £45 overdrawn again (those ‘charges’) and ever since, Natwest had been adding £20 a month! I wrote a steaming letter, offered £100 as full and final settlement goodwill gesture and demanded they remove the default they had put on my name. Their reply basically said I was due to pay those charges, but they cashed my cheque and I’ve heard nothing since. It seems I might not have had to pay anything at all, but any advice or guidance on what I could do here? Or have I shot myself in the foot my ‘settling’? Thanks in advance