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My mother wanted to remortgage the house and get some money to pay off some personal debts my father had left behind. She was booked an appointment by a broker friend to see the someone at Natwest bank. The following week my mother went to the bank in Piccadilly, London with my brother. At the branch the lady opened a advantage gold account stating that she would get a better mortgage offer if an advantage gold account was opened. My brother asked about the charges for the account, the lady at the bank said that there would be no charges until the account was opened and money had been deposited into the account. The mortgage did not go through, so my mother left it at that thinking since the lady said that if no money was put into the account than she don't have to pay charges . Now comes a letter from Apex Credit Management saying that Natwest has passed the account onto them for non-payment of bank charges. How can my mother challenge this since she was mis-sold the bank account was mis-sold? Thanks