No evidence as it was done through the same managemnt team at natwest and I have just paid monthly payments which show an ammount coming out of my account but no formal aggreement. It was all done on the telephone and I never recieved paperwork from them to suggest. To be honest I thought it was all sorted by that phone call so thought no wiser (silly me now) I can tell long stories of the difficulties trying to originally contact them before it all happening! I even got put through to an estate agent and only after me spilling my full name account details etc the guy sait it wasn't natwest and that this always happens when calls are transfered through natwest department! all confidence lsot there!

yes I phoned them in the default notice time frame and arranged to pay back £100 per month for the joint account-this money came from my own account also natwest! at the time they said my normal account was opperational so accepted but all of a sudden it is now non opperational and they say it was on the original default notice. It wasn't the default asked for repayment of our joint account. When speaking on the phone they say that both accounts were stated and because one is in trouble the other gets taken in to account.. They also added that I was misinformed by other colleagues (how useful are they!)

A long story to tell. We (hubby and I ) have a joint account but I also have my own account both with natwest. We recently had a default notice on our overdraft for our joint account. I phoned them in the time frame given and arranged a payment fee monthly for our joint account. I then found out two days ago that all my wages and working tax /child tax credit everything paid in to my own account had vanished. All my direct debits and standing orders cancelled from my normal own account. When I phoned them they said because one account was non opperational it makes my account also. Anyhow to cut the story short I hadn't realised this was going to happen (even though the rude lasy on the phone from the bank) said it was all in the default notice! It wasn't all that was in it was a final demand on the joint account. So all my D.D standing orders, rent council tax everything has been cancelled. They have taken my whole months wage and tax credits which has left me with Zero, no rent, food, petrol, no normal day living for my 18 month baby. How can they take my whole months wage leaving me nothing and expect further payment? even to take my babies nursery and food money, I can't work if he isn't in nursery it is a vicious circle........... hope it makes sense? Can they do this?