Hi everyone Just had a text from collection company called AIC on behalf of Natwets saying I need to follow the link and log into the account to manage the outstanding debt! Should I be communicating with these or just inform them that this has been escalated to the FOS? Thanks

Thanks HB, That makes sense as Iv now been given a case number on the letter received. I will sit tight and wait for the next update.

Hi Looks like good news? fos replied to say "they will be trying to resolve this case as quickly as possible but due to high demand could take up to 4 months" Do I need to contact Natwets to let them know that this is now being looked at by fos or sit back and wait for fos instructions?

Thanks dx, I received a reply to my complaint from fos on 26/04/23 with the standard email " we are very busy, because we are busy we will only get in touch with you if we can help you, if we can help you we will try to get in touch with you within 7 days but it may take longer"? Unfortunately they have not provided a case number at the moment sorry!

Sorry dx didn’t like to trouble anyone I log I don’t need to? read a few threads at work and then went onto the FOS web site and filled their standard complaint form adding the Natwets response, not sent them anything yet?

Hi Everyone I sent an IRL to Natwest with regards to the multiple overdraft increase acceptance and loan taken out on the current account and this is their redacted reply attached. I have now escalated this the FOS and awaiting a response! I have highlighted in red some contradictory statements and also the fact they they say that it is my fault that I used the loan that was applied for whilst being £2600 overdrawn? Any advice will be welcomed. owed IRL reply.pdf

Thank you dx, I think reading then it will be the first spread sheet? I have unarranged and arranged overdraft charges and returned item/Direct Debit charges, can all these be added to the sheet? Thanks

Hi any advice on the above post would be appreciated thanks G

Ok thanks dx, how do i get a credit file history for a certain date, do i just check what is listed and see how far back they go to find any defaults? How about overdraft fees and late charges do i have a chance at putting in a claim on those? owed

Hi everyone Just had my statements back from Natwest which show constant money going in to cover the over draft charges on a regular monthly basis. 1, Have I got just cause to put in a claim regarding the charges? 2, I have signed up to equifax but i am unable to find out how i get information regarding if i had any defaults for other loans/payday loans at the time the overdraft was obtained which I assume will assist when submitting an irl? Any guidance will be appreciated. owed

I need to wait for the sar reply to see where my debts were recorded, I’m not sure of overdraft application dates and now NatWest have remove access to my online bank account? owed

Thanks fkofilee/ dx ok , Sar sent to NatWest first I will look up contacts details on the forum and get back here once I have received the statement details. yes this was my main account but I swapped to a new account 3 years ago just in case one day they reduced the overdraft with my wages? Hence I have just been paying overdraft charges for a number of years!! owed

Thanks fkofilee/ dx ok , Sar sent to NatWest first I will look up contacts details on the forum and get back here once I have received the statement details. yes this was my main account but I swapped to a new account 3 years ago just in case one day they reduced the overdraft with my wages? Hence I have just been paying overdraft charges for a number of years!! owed

Hi thanks for the reply, yes I would have had other debts listed, I was surprised I got the increase? owed man

Hi everyone I need some advise from anyone willing to offer and from a relatives experience and high recommendations I think I will certainly get this here Here goes, I have had a current account with Natwest for 10years or more and when i got into financial difficulties I applied for an overdraft around 6 years ago. I could not believe how easy it was and cut a long story short my debt problem continued to spiral, over a few months before i knew it i had continual overdraft increase requests accepted and i now had an overdraft £4000, So for the last 6 years I have just been paying the interest fees on the account which has continually been overdrawn just to try and keep it from exceeding the limit and incurring charges which some months further down the line failed to do and paid the overdraft charges when i could. Over the last 2 months Natwest have been contacting me to settle the overdraft in full which i have not been able to do then suddenly the account was closed and I can not get access with online banking and now they say i have to deal with a DCA (Moroncroft debt collection) who are now sending me threatening letters. I don't dispute the overdraft debt but i need advice how to go about settling the overdraft and have a few questions? 1, I assume that even if the account is in default and Moroncroft have been assigned the debt i should still communicate with Natwest 2, I would like to get this debt cleared but i assume there will be plenty of charges on the account and wonder if i can claim them back and would like to know how as I have been told that unfair bank charges can be claimed? 3, can i ask Natwest to adjust the account and remove all unfair charges and then have a final amended figure to settle the account and clear the debt Any help will be very much appreciated. Thanks owed