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Difficult situation with Natwest


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Hello NatWest Forum,


I would really appreciate your help with my current situation with Natwest.


I have a Personal Loan with Natwest with an outstanding £12k debt I also have a current account with a £1250 overdraft.


Due to a recent change in my financial circumstances (leaving a full time career in order to persue a Degree) I am in financial hardship and am unable to afford the monthly repayments on my personal loan.


I sought advice from the consumer credit counseling service charity (cccs) and they have advised me to completely switch bank accounts (leaving the NatWest account overdrawn) and make token payments of £1 per month (the minimum legal acceptable amount) to Natwest.


Over the course of the last few months I have incurred several bank charges (approx £150 - £200) which I would like to be refunded.


Please can you advise me on the best course of action in order to get these charges refunded.


FYI: I have absolutely no income whatsoever paid into any NatWest account, I now bank with Alliance and Leicester. My old NatWest account and loan have effectively been abandoned with the exception of making monthly token £1 payments.


FYI: I am currently in the process of having my second reclaim case against hsbc Stayed. And have had one successful hsbc reclaim for £1132 refunded to me in May 2007


I look forward to hearing from you all





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