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rhianonm

overdraft - bank told us default or take out loan!

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Hi, I hope that I am posting this in the right place. I could really do with some advice regarding my husband's overdraft.

 

My husband has an account with Natwest when he was a student, basically a £2000 overdraft. He received a letter from them today saying that it needs to be repaid. He rang them to make the arrangements and was told that if he didn't pay them £500 now they would put a default on the account! He was then told that as he can't pay them £500 that they will give him a 'stupidly high interest' loan to repay the overdraft!

 

I made him phone them again and offer them £20 per week (which is all we can pay at the moment) and they still maintained that the only options were as above!

 

Surely this can't be right.

 

Can anyone please give me some advice as to what to do next??

 

THANK YOU.

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How old is this overdraft and when was the last payment made to it?


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Hi, I hope that I am posting this in the right place. I could really do with some advice regarding my husband's overdraft.

 

My husband has an account with Natwest when he was a student, basically a £2000 overdraft. He received a letter from them today saying that it needs to be repaid. He rang them to make the arrangements and was told that if he didn't pay them £500 now they would put a default on the account! He was then told that as he can't pay them £500 that they will give him a 'stupidly high interest' loan to repay the overdraft!

 

I made him phone them again and offer them £20 per week (which is all we can pay at the moment) and they still maintained that the only options were as above!

 

Surely this can't be right.

 

Can anyone please give me some advice as to what to do next??

 

THANK YOU.

 

My speciality, can I ask when he was a student?

When did he receive the letter?

Was it from Birmingham Collections?

Has he stopped using the account even though it is withing the overdraft facility?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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He was a student in Aberystwyth, but the account was initially opened in Surrey. We live in Aberystwyth.

 

He finished as a student 3 years ago and really only started making regular smnall payments into the account early last year. He hasn't taken anything out in at least 3 years.

 

This is the first letter we have received (only bank statements before) and it was from Birmingham Collections. The letter came today.

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Did he stop making payments to the account or has he not used the account for a while?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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He hasn't used the account for at least 3 years, but has been making 'as and when' payments since early last year.

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He hasn't used the account for at least 3 years, but has been making 'as and when' payments since early last year.

Just get him to pay a couple of quid into the account.

Those letters, if it is a first one are meant to be that way.

Ask him to ask the bank when his graduate terms end as well.

Did he do a post graduate course?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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