just to add to this the default amount on my credit report doesnt correspond to any of the paperwork sent to me by Natwest nor does it show the amount dropping, dispite making payments. I am unsure what to do here. Aaaggghhh - This is now consuming my life and all becuase somebody in Natwest didnt pul their fnger out and pick up the phone..........

Started the repayment plan as soon as i contacted them, never missed a payment in two years. This has all come to light as I have been refused a credit card (talk about the past haunting you) At the time I was privillaged enough to have a Personal banking manager, which i phoned as soon as got the letters, left messages only for him not to return them (which is why I took 8 days thinking he would call me back and sort this out) Natwest have replied saying that they cant get in contact with said Personal Banking manager and therefore becuase they cant substaniate my claims my default stands. As you can guess, I'm not very happy with this response and consider myself being relegated from a customer who warrants his own Personal Banking manager to a third rate charlie trying his luck. I've sent a credit request letter to Natwest from the templates on the site, its been handled so poorly I am sure their paperwork in not in order.

So if it was from a bank for a called in overdraft it would be under the Consumer Credit Act?

Does it actually have to have the words Default notice on it?

Thank you, The was for an overdraft that got called in. I have written to the bank, but they tell me because I didn't respond in seven days (I responded in eight and arranged a payment plan) that is why I have a default marker. Nowhere on the letter or subsequent letters received does it say anything about a default notice, in fact none of the letters even mention the word DEFAULT.

Hi there newbie here. I am in dispute with Natwest regarding a default I have on my account. After serveral phone calls Natwest have directed me to a letter they sent and state that this letter was my notice of default. My question is, is the following letter a notice of default? Please read the following carefully our Records indicate that you have failed to respond to previous demands for payment. We are now considering Legal action against you, and to aviod any future legal caosts we therefore encourage you to give this matter your urgent attention. Please contact them within the next 7 days in order to arrange a repayment plan and aviod court action or the instruction of our local debt collection agent. Any help would be appreciated.