Dear All, I currently have a student account with Natwest, with a £1,500 limit which is maxed out. Cut the long story short, when the Natwest Systems crashed last year I was due to receive a payment of £1,850 but it was not reflected on the account due to the system crash. Natwest kindly credited my account with the £1,850 into my account. A few months later, Natwest misused my account £1,850 leaving me in well over £3,000 overdraft as they said they have not seen the credit come into the account which was supposed to. ( I am in the process to find out, if the credit was made to Natwest or that person lied) Now my account stands as this £1,500 Over draft £1,850 CREDIT And it has been passed onto APEX credit management. Seeing I am still a student, I should have not be passed over to the DCA.... furthermore the payment of £1,850 was given to by Natwest I did not sign any forms or anything. They said they would take the money when it reflects on the account and this can take some time. I have been avoiding this for a long time, now I do not know where I stand, and what to do! Appreciate your help and support. Thanks.

Hiya, I appreciate any help that I can get with this natwest bank closure issue and i'll try and keep it as brief as possible: I got scammed (job [problem] which i believe to be an escrow [problem]) earlier in July A transaction of £911.00 was place into my account As part off the 'job' i transferred £426 to Western Union and 312 to my natwest credit card As soon as i realised it was a [problem] i notified the bank (this occurred on the same day about two hours after the funds left my account) I managed to get the transaction reversed from western union minus the £26 transaction fee I tried to reverse the natwest credit cards but they said that my account had been frozen I attempted to maintain contact with the fraud team but i was consistently fobbed off, i sent them the emails detailing the [problem] and made several attempts to replace the funds. On two occasions a debt collection agency came to retrieve my bank cards and cheque books *despite notifying natwest that i would be in Italy and never receiving a letter in regards to my bank account closure. I recently received a letter asking me to repay my student overdraft within 21 days which was not possible I attempted to make a payment plan within that time but yet again i was told that it would not be possible as my account has been transferred to the debt recovery team. I have contacted the financial ombudsman but i have yet to receive a reply from natwest I really do appreciate any help you can give me atm i'm stuck and cluseless....thank-you any way for reading this long thread