I have 12 bad credit accounts, how do I rebuild my credit without acknowledging my debts? As some debts are coming up to the statue barred limitation period?? Any help would be appriciated.

I have just sent this to the NatWest complaints department, but I thought I'd post it here too so that people can see how bad their service is. Here it is: I am a mature student and I have just finished university. I have just taken a new job and I was looking to open up a new current account with NatWest. This was largely because a friend has told me your online banking was good and I've had major problems trying to get my existing Barclay's account to work online at all (after literally 7 failed attempts I've given up, they simply can't seem to sort it out so I'm changing banks). I first tried to create an account online, and that seemed to work. I was sent the following email yesterday (12/06/2012): ----------------------------------------------------- Dear Mr ***** Thank you for your application We're pleased to confirm that we've received your application for our Select account. Please note your application reference number: ********** What you need to do now We need to confirm some additional information about you. Below you'll find details of the documents we need to see. All you need to do is bring them to your local branch along with your application reference. We've saved all the details you've given us so far, and your customer advisor will be able to help you to complete the application process quickly and easily. Bringing your documents into a branch is the quickest and easiest way to complete your application. For details of your nearest branch, use our branch locator. Can't get to a branch? If you're not able to visit a branch, you can send the documents we need by post. This does not include valuable documents such as your passport. We've sent you a letter explaining how to post documents to us, together with a prepaid envelope for you to use. The letter also explains what you need to do with the documents that can't be posted. The documents we need from you Please note that we can only accept originals - we can't accept copies, even if verified. To complete your application, we are legally required to confirm your identity and where you live. To do this, we need to see one item from Table A and one from Table B: Table A (to confirm your identity) Table B (to confirm your current address) Current signed Passport EU National ID Card Current full UK photocard driving licence Current full UK driving licence (old style paper version) UK Armed Forces ID card Police Warrant Card From HM Revenue and Customs: Coding Notice or Demand Notice Disabled Persons Tax Credit Notice National Insurance contributions account statement From the Department for Work and Pensions, notification of your entitlement to: Child Benefit Working Tax Credit Child Tax Credit Pension Disability Living Allowance Income Support Incapacity Benefit Only if you are under 20 Birth certificate NHS medical card A statement (no more than 6 months old) from your: Bank Building society Credit card provider Mortgage provider A utility bill (no more than 6 months old) for your home e.g. gas / electricity / water / telephone / cable services / satellite TV. We can't accept your mobile phone bill or TV licence as proof of your address. A document from your local authority (no more than 12 months old, valid for the current or the upcoming financial year): Council Tax bill or demand Rent Book/Card Don't have all the documents you need? For a full list of valid documents, go to [won't let me post links because I'm new - deleted] What happens next? Once we've checked the document(s), we will complete your application and as long as everything is in order we will confirm your new account details. We’re here to help If you have any questions about your application, ask at your local branch or call us on 0845 3030 299. Calls may be recorded. Yours sincerely Signature Allan Hardie Current Accounts --------------------------------------------------------- So all seemed well. As I said, I have just finished university. I am still living on campus for another week, so I went into the NatWest branch in High Wycombe, which is the nearest to the university. I took my passport and a bank statement for my Barclays account from last month with my home address on it (which is the one I provided above, in Putney). Upon arriving, I gave them the number provided in your email to me and they told me that it was not showing up on their system. I asked the woman behind the desk if it would be alright opening the account in Wycombe, when I actually live in Putney and would be moving home next week. She said that it did not matter. This was further backed up by the email you sent me, which said: "Bringing your documents into a branch is the quickest and easiest way to complete your application." Clearly implying any branch would do. Since they couldn't find my online application in their system, despite me already having the confirmation email (which I showed to them on my Android), they photocopied my documents and told me someone would call me the next day. The next day (this morning) I was called up and told that the online application had vanished into the ether and that I would have to come in and set the account up manually. I made an appointment for 4pm. At 5 minutes to 4pm, I went into the bank and no one was at the front desk. So I waited patiently for someone to come and assist me. I waited a full 25 minutes, till 4:20pm before a man came out of an office and asked if he could help me. I told him I had an appointment for 4pm and he said someone would be right with me. At 4:30pm, half an hour after the agreed appointment time, a woman finally appeared from the back and came to help me. I saw no less than 4 different people come in, wait at the front desk, get angry and then walk out between 3:55 and 4:30. I considered doing the same thing but I wanted to get my account sorted out so I waited. So I went into this lady's office and after going through the required legal speech she looked at my documents and noticed that I live in Putney. I said yes, as I already told the other lady yesterday, I have just finished university and I will be going back home in a week. She said that I should open the account in Putney, not in the Wycombe branch. That really was the last straw for me. I was told twice, once by your email which I have shown above and then again by a member of staff that the branch did not matter. I specifically asked this question the day before so that my time would not be wasted. And now I am told that, in fact, my time has been wasted and that both your online service and the Wycombe local branch are completely useless to me. At this point, it was 4:40 and I'd had enough so I left. You may be interested to note that I walked out of NatWest and straight into HSBC, which just up the road. I went online on my Android to the HSBC site, applied for a current account with them, got a similar email to the one you sent me about a minute later, showed my documents to the lady behind the counter (they actually had someone serving people, unlike your bank did today) and managed to get everything done before 5pm. The fact that I was moving back to Putney in a week didn't bother them a bit. That's less than 20 minutes. I waited longer than that at NatWest for someone to even acknowledge my presence and I had an appointment! I don't expect a response, but I thought you should know why I am angry. I can only imagine how many others feel exactly the same as I do but couldn't be bothered to write out a lengthy complaint. I know I saw several of them storm out of your Wycombe branch today because there was no one working the front desk. Terrible service, employees giving me contradictory information, and ultimately wasting huge amounts of my time. Appalling.

http://www.youtube.com/watch?v=q45DiRwldM8&feature=youtube_gdata_player

hi guys can you please give me some help in what to do. About a week and half ago went JJB ordered treadmill in store - girl who served me fully aware lived in first floor flat. Last night i get an email from JJB saying item will be delived 7 am until 10.30 am today as agreed -and that they will ring me when on the way to give estimated time of arrival. It also says they may only deliver to ground floor they would need to do asessment first. Well this am at 6.40 i was awoken by my flat intercom saying JJB where there - a lady and a man - no phone call to say they were on the way - it took me by suprise - anyway they refused to bring it upstairs even though lady in shop knew i lived first floor - so i was left with a huge treadmill no way of getting it upstairs - had to ring my dad a pensioner it took us over half an hour to get it up the stairs. Am really upset by the poor service - rang the store they didnt want to Any ideas what i should do - wasnt a cheap product.

Good news for everyone locally in the UK. As of yesterday, the new iTunes (10.5) and iOS (5) was released for the iPhone 4 and above, as well as the iPad and above! If you want to upgrade, feel free to do so by: 1) Upgrade your iTunes to 10.5. This usually happens automatically 2) Once iTunes 10.5 is installed, plug your device in and upgrade as per instructions For those of you who like to tinker with toys, i.e. have jailbroken your phone, this will break the jailbreak, and you'll be returned to the land of the living and have to pay for your apps again Have fun peeps, and RIP Steve Jobs Cheers Adridude

I went to Metro Bank today, had to cycle because of the demonstrations/ riots between my house and the bank. Got attacked there - hit in the head - when I told a middle aged man, English, that he shouldn't **** on the statue of Charles I. Carried on, sat down in the bank. According to what I could see the Credit Check was optional if you had proofs of residence. I had three. Plus my driving license and my passport. The woman was a bit slimy, more concerned with make up than banking, but I didn't really care. The process took forever, over an hour and a half. It was unbearably hot. I'd dressed for winter and cycled. So, it was tough to cope. I stripped down to my shirt and spent as much time outside as possible. When I'd come back she'd still be pecking at her computer like a parrot. I wouldn't have minded going away and coming back you know, why the dishonesty. She keeps on asking me personal questions. I don't see why I have to answer them. I'd been there over half an hour, forty minutes by now and she has taken all my photocopies of bank accounts and passport and things. They have all my data. But she wants to know my marital status and my employment status and this and that, I'm polite mind, but it's stupid. It's embarrassing having to answer these things to a human being, I don't like being labeled by these stupid categories which don't apply to me. I would rather have just ticked boxes. I only want the account to use abroad because HBoS can be trusted to keep my savings separate from my current account when I'm in risky areas for data fraud this worries me. But they pry about my reasons uncomfortably. I look at the basic leaflet they have out. It says "no stupid bank rules". I ask about the cash cards. My mum's quaker and feminist principles make her angry about being a miss, or mrs or ms. She changed banks to avoid all that. The teller more or less told me - yes - it's on the card - your name must be as we say (on the old Midlands cards you could make up any name!). I said - that seems stupid. She said, more or less - no - you're stupid. Nice. I was just asking! But, I digress... After an hour and twenty minutes or so she starts going on about credit cards. I've told her I don't want that stuff or overdrafts. I avoid credit cards. I prefer to spend what I have. My parents have a card which I use if I need to buy things for them (my mum's been unwell) but that's it. But the teller witters away on the credit card thing "do you have a credit card". No, no I don't. None of her business. I noticed they had dog bowls of water. Maybe I could drink some of that. Water for dogs, huh? At least in Bank of Scotland they give you a coffee and water when they tout their products. Eventually she says "computer says no". I say why, she says the credit reference, I say what? I've got good credit, she says, no, it's the SAW REPORT, you can't have an account because of money laundering. I say what? She says that there is a credit card in my name in my address but the birthday is off 6 days. So. This is worrying. Different issues need to be discussed no. 1)what do I do about that 2) what do I do about this account? Is it held for me, or do I deal with it and start it again 3) what do I do about my personal data? She's sort of indicating that there wasn't much to say. I'm sitting, quietly, trying to think of the right questions, when the bouncer who has been moving closer and glancing at this woman for some reason comes and stands a foot in front of me and says "is there is problem?" you know how, like a rent-a-cop. I look at her and just like shake my head a bit confused and she looks back with same "I'm a bit of a tart clenching my pelvic floor muscle" look that she has been doing the whole time. Then he's saying "the lady's asked you to leave". Christ! What is this? A strip club? Some sort of booze den? I don't know. Please remember - I'd been assaulted and I'm a little concussed. I've been treated - literally - worse than a dog and this man is standing over me with his arms folded as I am sitting in the chair. I just look over my shoulder and shout "I need to see the manager". And then I scream at this bouncer. I'm just not taking it. I can deal with abuse and violence on the street. I can deal with a lot of things, but I just can't cope with being intimidated in a bank. So, I screamed at them. Then I told the manager. He didn't seem inclined to make the bouncer apologise. They'd probably called the police for 'breach of the peace'. Luckily the riots were tying them up. But why, why do they behave like that, it's not fair. Anyway. They didn't tell me any of the rules. They did the credit reference check without consent. They have all my personal data, they have my passport photographed, my driving license, my bank accounts, everything. I mean - I handed it to them, but I signed nothing. What duties do they have to protect this data? What are they talking about, money laundering? I don't get it, they had all my proofs of ID, they had my other bank account details. How could this be money laundering? It makes no sense? Why would they refuse my account? Why wouldn't they say first, in their leaflets that this was the case? It seems they're a useless bunch. It was the worst experience I've ever had in a bank. ======= -for the search engines - Metro Bank is bad. Metro Bank is very bad. Metro Bank is crap