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Business T & C 1991

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Does anyone have a copy of the Natwest business account terms and conditions in effect for 1991. I have a hearing looming and am in desperate need of them.


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hi just noticed your 1991 nat west business question......i started my very small business then and got little help and have wondered about the way they only gave me a very small initail overdraft under £500 .....and they basically then gave me no free banking because of the overdraft and also of course ran into charges almost immediatly .....i think my overdraft now is made up of all the charges etc..............i need to investigate it as it has come to a head recently with them leaving me on the most unsuitable business tariff for me......suitable for them though.......mal- administration ...was what the ombudsman said for nearly 4 years..but i feel they have never helped me from 1991 and the start all the way.... thanks........john....

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sorry our there not good at this stuff.....dont even know how to navigate the site.......anyway if someone can tell me this.....if you are a very small business ie one man band jobby.......and your bank has been found guilty by the ombudsman of mal- administration for a 4 year period.........which was keeping me on the wrong charging tariff......can you use this as a reason to ask for charges back to 1991 or at least 1995 because they were not doing what they said they would and help you ........as i mentioned in the earlier question my now loan which used to be a overdraft until they defaulted it which is when i found these errors out.... i feel the loan i have could well contain alot of charges/interest built up by charges like i read on the site.........i read some chap was using a certain regulation of errors and bad practice to go back further than six years......sorry i can not use the site well so if you anyone can advise ..i thought as the ombudsman used the mal- administration verdict on them this could give me somekind of lever to say right i am not happy about all the charges and treatment from day one..........also i did not get back the overdraft set up costs during there error 4 x £200 set up when their error meant i was not getting that full amount......proberly £500 less than the amount i should have been getting because of the error and by the time of the last oerdraft set up cost i would have been getting at least £2000 less if you add the other penalty charges to the error etc....... any help will be nice.......thanks again.........

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