Hi all thanks for your help and advice Just to update, after looking around on the forum I have found other information and various rules and regulations that may be helpful in potentially making a claim. Lots more reading to do i am now going to send Natwest a SAR and see what information they hold on me. Any advice welcome. Thanks simon

hi in 2009 i had a fall from my van, as i was unable to work i rang the natwest insurance to get a claim form, i filled it in and returned it but i did'nt have a medical report at that time i rang them a few weeks later and was told i must submit a full medical report within 90 days. it was 4 months just to get a mri. i rang the insurance again and was told my claim was void as i had no report. i have now had 2 operations and have a spinal cord stimulator and lots of pain medication.

Thanks for your reply but this dates back to 2009 I should have explained more. I'm just trying to let others know what the natwest is like. I would like to post it on every site i can , it's too late for me but not others i am still unable to work (not on benefits ) and still being hounded by the natwest. Thanks

Hi History I started a business and banked with the natwest, I had a loan (unsecured ) never missed a payment until i had a accident at work, I asked the bank if i could have a payment holiday as i was unable to work and had used the funds from my account to pay the loan ,the reply was no holiday but we will lend you MORE so i could pay the loan. I also had a accident insurance policy and when I submitted the claim i was given 90 days to get a full medical report of my condition , however as this was under the NHS I could not provide it in the 90 days so my claim was void, its something you pay and hope you never need. Can you guess who the insurance was with ? Yep NATWEST. Paid in for years. Back to the loan, each month i paid them all i could but I had to reduce the payment as our income has reduced. Now I have a ccj and the bank now are going to secure the loan on our home. I have never tried to avoid paying as i do owe them the money. So if you think you build a good relationship with the natwest you do until you need a little help. if your thinking of a loan or insurance please don't use the NATWEST. STOP THINK AND GO TO ANOTHER BANK. Thank you for reading this. SIMON