NatWest nightmare

[Hepburn-C]

I have exceeded the overdraft limit on my current account with NatWest and wasn't able to put a repayment arrangement in place with them to clear it. I had letters going backwards and forwards for a while, sent them details of my income and expenditure, but they claimed that the amount I was prepared to pay each month wasn't enough.

 

I've just spoken to a very surly and impatient women in their Collections Department who has told me my account will now be passed to "recoveries". She refused to give me any more details and pretty much told me it was inevitable that their "recoveries" people would take me to court to get authority to take money directly from my wages.

 

Does anyone on here have any previous dealings with NatWest and can tell me who these "recoveries" people are, which DCA NatWest use and what they're like to deal with? What are the chances of it going to court?

[Pinky69]

If you haven't already done so, get a basic bank account so that there aren't any charges added to it by returned items.

Natwest are part of RBS and they usually use RBS in-house collection service Triton. They don't usually go to court - they will porbably sell the debt on to an debt collection agency.

[Hepburn-C]

What are Triton like to deal with - are they likely to agree to a repayment plan?

 

I have a basic account, now with another bank.

[Pinky69]

I think they will probably negotiate with you. Don't speak to them on the phone. Do everything in writing and keep a file of it so you have proof of what was agreed. Also, like all agencies, they can be abusive to put pressurise you to pay more than you can afford. You decide what you pay - not them. Decide what you can afford then stick to it.

[harrassed senior]

Make sure that all you income is paid into your new account and keep an eye on the old account for missed DDs etc.

 

You say you have provided NW with your I & E. The only person entitled to this information is a Judge, so don't be bullied into providing any more to whoever requests that info.

 

If you make regular repayments, try and make it on a standing order basis, and as Pinky says make this an amount you can comfortably afford.

 

They would probably not issue Court Proceedings as it would be considered a waste of Court time when you ARE paying regularly.