After reading a number of threads
I think I have made a mistake.
I have 2 debts with Natwest
1. loan account which they have combined together
and I have been paying them an agreed amount
.In 2008 I managed to get them to put in writing that they cannot produce an agreement for the loan
and further they agreed that all of the money I pay them will be deducted from the overdraft only
and it will revert to paying of the loan account when the overdraft is paid.
According to their statements they are sticking to that arrangement
.I am not paying any interest,and I have recovered all of the charges
,and rather than rock the boat,
it is my intention when the overdraft is paid
I will then say I am stopping payments as the Loan Account has no Agreement .
The threads I have been reading all say banks cannot combine debts .
I think I have shot myself in the foot,
i s this the case,
or can I make them separate the accounts
or do I stick with the current arrangement until the overdraft is paid...........................FS