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Kevan vs Natwest (urgent help needed)

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Hello there, im completely new here and only found this site a few hours ago. Have spent a good time looking through this and would like to ask a few questions.

 

First my situation

 

Sometime ago I got dragged into Natwest to talk about an upgraded account, I really couldnt say no to this woman she was extremely forceful. Its one of those paid account so I was being charged something like 11 quid a month for the use of this account. Me being me I completely forgot about it and soon enough the charges started mounting up. I took some good advice from a family member who suggested ignoring it and then claiming ignorance when they eventually contacted me.

 

Well last month I was made Redundant and given a nice pay off, this was sitting in my standard account and was going to be used all over Christmas to tide me over till I started looking for work in jan.

 

I logged onto my account during the night to check my balance as I was finishing off my Christmas shopping to see that my current account was missing and all that is there is the other account with the charges mounted up to about 300 odd quid. I phoned the 24hr line and they said it was locked to them and I had to ring the office in Birmingham in the morning to discuss it with them.

 

Now I have a few question before I proceed with this

 

1 - Does this mean my account has been cancelled and if so what will happen to my money?

2 - Do I have to pay back the charges from my redundancy and just hope I can claim them back at a later point?

3 - Are they going to take forever for me to get access to my money?

4 -Ive recently started signing on and ive read somewhere that they cannot hold this money from me as it is a benefit, is this true?

5 - Are they legally allowed to restrain me from access to my own money and does they fact it is redundancy give me any sort of legal upperhand?

 

Please I really need you help, Im completly stuck with this and have no idea how to act next

 

Thanks you

 

Kev

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Well I dont think I got off too bad, I called them explained my situation claimed complete ignorance when it came to charges on this account.

 

The woman on the phone said I had to pay off the charges to use the account only and I didnt have to pay any of the charges for going overdrawn.

 

Paid off, accounts been degraded to a standard account so no more charges and ive got access to my money again.

 

Actually cant believe it..

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Me neither.........:rolleyes:


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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