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mighty sword

Help Wanted - Natwest Collections

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I need some urgent advice

 

I stupidly got involved with some payday loans / cheque writing i.e. Moneyshop, Poundstill Payday etc as I was helping a family member out, ironically, with debts from different kind of sharks.(human ones - gangs)

 

The upshot is that I went over and above my overdraft limit and more and more. I got a call from collections and I arranged a 6 month payment plan - which was all good. However my mind was in such a state during November / early December that I had forgotten a further two cheques. To my horror I saw them coming through today on my online account. I immediately called them to let them know and pleaded with them to allow me another payment plan. Unfortunately, this was not allowed. I now have 28 days in which to pay up the lot- £2,500 - otherwise my account is to be closed and a CCJ / Default notice against me

 

 

 

I called CCCS for some practical advice, and they advised me to walk away from Natwest. This is not an option.

 

I can't afford to go to another bank for a variety of reasons (mainly personal ). Let's just say that my marriage could be at stake if my account were to close.

 

CCCS said that there is the possibillty that I can try and negotiate again with collections - to pay the whole thing over 3 months (which I would just about do, using the majority of my wages)

 

I also have the offer of up to £1000 10 month loan from the Credit Union but unfortunately cannot find a suitable guarantor at present which is very frustrating for me, as this, coupled with my next month;s wages would just cover it.

 

Does anybody working at Natwest know whether this would be viable?? any constructive help / practical suggestions at all would be gratefully received

 

 

Here's hoping.:confused:

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NatWest may already be sending the account to recovery so the account is likely to be closed. Unfortunately, I would say you should speak with your other half no matter how difficult the situation is and then deal with the consequences.


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

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pay them a pound a week like i do tell them you have got more important things to worry about phone the national debt help line they will put your mind at rest

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think you should just inform the missus and let it goto a CCJ. The CCJ will take about a month or so to be issused and then you'll have a month to pay it off(as payed within the month the CCJ will not be on your credit file) you'll probably have 2 months min i think...... important thing is the mortgage..make sure thats paid of monthly....sod the bleeding banks!

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