Thank you for your swift response i feel i have been treated unfairly and would like to challenge the matter following the bcobs so if you could help me that would be. What do i need to do to assist. Thanks Grantyb82

Thank you for your swift response. I feel i have been treated unfairly and would love to take you up on your offer of getting this matter resolved following the bcobs route. What do i need to do please. Thanks

Thank you for your swift response. I feel i have been treated unfairly and would love to take you up on your offer of getting this matter resolved following the bcobs route. What do i need to do please. Thanks

That was my thought too. But then when i think about it i have 2 small children and this is holding me up getting a mortgage. But thank you for your response Andy.

Good morning, I had a bank account with natwest bank. I have recently noticed on my credit file that the account defaulted on the 31/10/2011 for £831. I have now spoken with natwest and they informed that i was £1.41 in credit and a payment of £20 tried to leave my account. Because there was not enough funds i have accumulated this £831 in unarranged overdraft fees. They have offered me an offer of £332 to settle the balance. Now i am at a crossroad as this is affecting me getting a mortgage but i do not want to pay this amount.