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  1. NatWest Mastercard - account opened in 2009 with a £950 limit Account was passed over to Cabot in 2016 after NW got tired of me paying a minimum payment I WAS paying Cabot a fee per month (Have since cancelled that over a year ago now) Cabot was CCA'd end of 2017 -acknowledged letter but never sent CCA I've recently SAR'd NW and have now got from them statements from 2009 and a CCA Have seen on statements that there was PPI on the monthly statements from 2009 - 2010 (£7.90 p/m) Also late payment fees and over limit fees on some months from 2010 -2013
  2. A couple of years back i was in a mess financially. countless pay day loans etc, there got to a stage where even the pay day loans wouldnt lend to me as i assume my credit score was too bad. Now i hadnt been able to get an overdraft or anything for years, natwest suddenly offered out of the blue a 2500 pound overdraft, i obviously took it and then managed to top it up up to about 3700 over about a year. I was on the edge of my overdraft each month and i was paying around 150-200 pounds each month to keep myself below the overdraft limit each time i got paid. in the end i assume
  3. Just started my PPI claim against Natwest credit card, just sent of my SAR and £10 PO card was taken out april 99 How do I work how much I could be owed is it the PPI plus the culmintive interest of the card on that PPI over the years Plus the 8% interest
  4. Hi everyone, I joined the site yesterday and I've been having a good look at PPI threads along with the interest calculator spreadsheets. I am in the process of claiming PPI from 4 NatWest loans that my deceased parents took out in the 80s. NatWest have made offers on all 4 claims but I'm not sure they've worked the interest out correctly - I have queried this with them but they've just sent me a letter repeating the same information as their offers. I've used the PPI spreadsheet on here but NatWest are saying that interest is paid at 15% up to 31st March 1993 then 8% from
  5. Hello, I am looking for help and advice relating to this on-going dispute I have with the Nasty-west. (Edit) Long story so give you the short version. Reclaimed back bank charges before they put a legal stop to it. Tried to reclaim Advantage gold service charges -they denied it Reclaimed ppi on one loan.. They have never reviewed or addressed the three previous loans with ppi on them. I refused to repay the loan until the resolved the ppi- they didnt. Instead they told me to court and won over a technically and obtained a charging order on my house. I have cont
  6. Well, here we go again! After successfully reclaiming ALL my mis-sold PPI's, taking 8+ years, or so I thought, another one has surfaced. This time, it's an odd one. Out of the blue, I received an 'Annual Review of your optional PPI'. Addressed to me, with an insufficient address, which the post office delivered. There was a ref. no. so I contacted the sender. They had no record of it! But someone must be paying a DD of £49.66/pm. Certainly not me. We knew it related to a mortgage we used to have but paid off about 5 years ago. My husband checked his bank statements and....yes.....he'
  7. Hi, About 13 years ago, we took out a Foundations Mortgage with Natwest (Thats an intrerest only cheque book type mortgage). 6 Years ago, when my business got into difficulties, I got behind on monthly interest payments, and (because my eye was not on that particular ball), went into default on the mortgage. Since then, our payment history has been eratic due to customers not paying us. Natwest has on two occassions applied to the courts for repossession, and on each occassion I have managed to clear the arrears completely before the hearing. upon which Natwest applied for and
  8. 11 years ago I was taken seriously ill and due to the illness I lost my job and ended up in a financial mess resulting in my house being repossessed. Thankfully my health has stabalised and I'm now starting to get to grips with my financial mess. Having checked my credit reports I noticed Natwest were reporting missed payments each month on two mortgages and a loan and hadn't recorded any of the defaults or CCJ's. I lodged a complaint with Natwest which they upheld due to inaccurate reporting of my credit file when one mortgage and loan had been paid off with a full a final sett
  9. Hi There, I am new to this site and need some advice please. I have recently submitted a PPI claim to Natwest in respect of PPI. I sent them a copy bank statement (dated 1998) depicting 'Credit Card Repayment Protector' being deducted at GBP30.67 per month on a balance of GBP4151 per month. I rang them and they have stated that this is CPP and not PPI. I know that this is not the case and have told them that. Any advice at all please and thanks? I have been informed that a rough calculation is that the PPI would have cost 77p for ever GBP100 outstanding
  10. I have recently located quite a few old statements with credit card payment protector amounts in respect of an old Natwest Access card that I previously cleared and closed in 2001. The issue now is that I am trying to locate any sort of credit agreement and I will keep looking but in the meantime, I was going to submit a CCA request. Could someone kindly advise what address I send it to and to whom is the cheque for £1 payable to ? I have had prior dealings with NatWest / RBS but for some reason their seems to be various addresses ? Thank-you for your help.
  11. Hi, Looking for some advice if possible My partner and i recently went through the process of trying to get a mortgage. After providing all our financial details to the Mortgage advisor his view was we would only qualify for a Mortgage with a high risk lender such as Kensington which I will not entertain. Reasons are: - My partner is in a debt management plan with Step Change, any reputable lender will be put off by this. - All but one of the debts in the plan are over 6 years old so do not show on her credit file - The only debt that is less than 6 years happens to be th
  12. I had a NatWest Mastercard and I also had a NatWest Mortgage. I want to obtain details, so propose going down thw Subject Access Route. Should I send in separate SAR's (if so, will the addresses be different?) or should I just send in the one SAR whilst including the account numbers for both Mortgage and Credit Card? Any advice would be appreciated. Thanks.
  13. Hi all, I need to remortgage my house and don't have sufficient means. My son earns more than me and I tried with my sons help to remortgage only to be told my son has a bad credit score? we did a credit check and we found out hed closed a Natwest account in 2005 to open a new Natwest current account and according to the credit check there was still £400 owing on the closed account, there was fraudulent activity on the account, he went through the NatWest fraud team and they cant do anything as the account is more than 9yrs old. He complained and paid the amount owi
  14. Hi Folks, This is my first post on this site so I apologise if I haven't posted in the right place or if I don't use the correct terminology! I will do my best. Also I a big thank you for all the great advice! I have two issues I'd like some advice on but I will deal with them separately. 1. In January 2013 I received CC papers issued by a solicitor acting on behalf of Nat West Bank claiming I owed a total circa £7000 including legal fees and costs . I had defaulted on a personal loan (£1500 outstanding) and I had become unable to service my overdraft (£5000). After taking
  15. Hi, I had an account with Natwest, which was shut down about 6 years ago. At the time, I had my Overdraft of £1800 (all owed), a loan for £1000 (£897 remaining), and one for £5000 (£3976 remaining). Due to my financial issues due to illness, I'd had to live off what little credit I had, and after a few months of being unable to keep above the maximum 1800 Overdraft (frequently going to £2000 when bills hit) my account was closed Following this, I was taken to court and something (I forget the technical term now, sorry) was put on my house so that when sold, my ou
  16. Hi all, I am new to this and I hope the good people out there can help me. I used to be in terrible debt problems in the second half of the 00's and beginning of the 10's - with many credit cards and unsecured loans. All of which I was paying large amounts of penalties and interest. This was with Lloyds, Natwest, Egg, Virgin and MBNA. A few weeks ago I received a letter from MBNA (relating to a Virgin credit card account) saying the when my credit card account was in arrears they should have sent me a notice of sums in arrears on 21st September 2009 but as a result of an error they didn
  17. 3 months ago, I hired a plumber to fit my new bathroom. We agreed it would cost £2000 for the labour. I wanted to pay a deposit on my credit card to get s75 consumer credit act protection, but he told me he did not have the credit card machine with him and he would bring it another day. During the work, problems arose, but was assured by the plumber he would deal with it- but he never did. The tiling was not flat and the shower door hadn’t been fixed correctly. He finally brought his credit card machine the day before he finished and I paid £100 on my card.
  18. Hi, I have read quite a few stories on here which has helped me in writing a formal complaint letter to the CEO Les Matheson and also CC'd to Customer Complaints but i have a funny feeling I am going to have to take my case to court. My story is below.. (I can email my letter that i have already sent to the bank to anyone who is willing to give me some advice or post the contents on the board if needed.) Story: In 2014 3 different cheques of £4,000 odd were paid into my NatWest account. They all was sent back to me at my home address where the bank had let me kn
  19. Hello Caggers, Hope I am posting in the right area - I would appreciate some advice please on text messages I am receiving from NatWest regarding 'getting their mobile App'. We are at a slatemate as I perceive them to be marketing texts, which I am opted out of, but NatWest are insistent that these are service texts and is a communication which can be relevant to the maintenance of my account. I would like some advice as to whether I should be persuing this further and if so, how. I'll give you the back story, apologies if this is lengthy: In November 2016,
  20. nowlo everyone, I was hoping you'd be able to give me some advice on my current situation. I really want to keep on top of things. Natwest Loan £2,505.78 Natwest Credit Card £1,686.25 Natwest Overdraft £500.00 for my credit card, or shall I say Triton debt management. At the time I was awaiting confirmation of JSA, housing benefit etc and had no income. They accepted a monthly £1 token payment. End of last month they constantly kept calling me, I answered to shut them up. They told me th
  21. Hi I sold a phone via fb marketplace and he paid into my account. I sent the phone and I assume he has received it as he has now reported me as a [EDIT] to Natwest saying he has received nothing. I have no proof of post. The bank has blocked my access to online banking and use of my card I have no access to my monies. I spoke to them and they said that I am being investigated by the team I am outraged as obviously the person saying I am doing him over is in fact trying to do me over Any how. How will I get my account back and my monies? Also I hear fraud
  22. I have a default of £2,976 with Natwest. £1,176 of which is made from fee's from when I went over my overdraft limit and then couldn't afford to pay enough money back to the bank to be able to get myself back under the limit. I accrued the overdraft while at Uni. This was a student account to start of with. The first time I went over the limit was in May 2011. My owed balance went up from £1767 to over £3000 in the space of 8 months. Even though I complained to the bank that this was spiralling out of control and I didn't know what to do. They just
  23. Hi Can someone tell me if Natwest still charge you to have mobile phone, travel insurance and breakdown cover on their Select Platinum Natwest Account for new customers? I've been a customer for years (formerly Advantage Gold) and I'm still paying £16 for these insurance and breakdown cover. I've never wanted the mobile phone insurance as my phones aren't that expensive. I've used the travel insurance once in about 20 yrs but I have used the breakdown cover a few times. I use online banking and I cannot see any information on how much the package will be
  24. Hi all, I was wondering if anyone could advise me. A few weeks back I requested from Natwest the CCA for a credit card issued in 2006, they duly obliged with the following response. “Your Written request for information was made under sector 78(1) of the consumer credit act (CCA) we are obliged to provide you with a “true” copy of the credit agreement and a statement of financial information relating to the account namely, the state of the account , amount currently due with amounts and due dates of future payments that are still required to be made. In terms of CCA copy document reg
  25. Hi all, I have had a letter from wescot today chasing a debt from Natwest Retail. The balance is £318.99 Im guessing it was a joint bank account my ex and I had some years ago, possibly 4 or 5 years. If it is a bank account should I do a CCA request to wescot and maybe a SAR to Natwest? Please help
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