Potential Charging order from Natwest

[stumpydave]

Not sure if this is the correct place for this post but here goes:

 

Back in about 2000 / 2001 Natwest called me in to the bank.I thought it was for a ticking off as my account was in a right mess. However, the woman told me she was off at the end of the week and needed to get her accounts in order! She then "sold" me a £15,000 loan (at the second attempt). The first time she tried based on my income it rejected, so she tried again including expenses as well, even though I pointed out that wasn't actually income. The loan was to pay off Natwest Visa (10k & overdraft about 3.6k, but she topped it up to give me a little extra).

 

Anyway, the loan went through and sure enough I defaulted quite quickly (along with about 6 other creditors).

 

I signed up with Payplan and have been happily (or unhappily) paying back ever since.

 

All creditors have been reasonable except Natwest. They pretty much immediately pursued the CCJ route, and I have now missed 2 payments because I lost my job and they are threatening a charging order.

 

Now I am working again and can resume payments but their solicitor is not really listening.

 

So I have decided to complain (via the financial Ombudsman) about mis selling. My points are:

1. Didn't ask for it

2. Bank employee falsified the figures to push it through

3. Bank new I was a problem gambler at the time

 

I have 2 qustions really:

1. How long will it take for them to get a charging order, and are there any delaying tactics I can use?

2. Any ideas whether I will "win" my mis selling complaint, or whether I have left it too late to complain? I've agonised over it for years, but always felt I needed to take responsibility for my actions, but now I have such a hatred for the bank...

 

House is currently on the market anyway, so would like to sell before they get a chance to take a chunk. Otherwise I'll just sell it for just enough to cover morgage & fees and leave them with nothing just to spite them!

[Guest Old_andrew2018]

bump

[palomino]

If the matter has been to court then the FOS won't touch it. The OFT/TS may take the same view.