natwest summons for joined overdraft and loan

[HP Mum]

You should check out my thread to see if the same situation applies to you...

I got a ccj on a lower amount than what I had thought the balance was. I am still trying to get to the bottom of what NW have been doing to my account, but it appears they might have split the amount I owe. A small amount on the ccj and a large amount gathering huge (unauthorised) interest on the rest -that I can only assume they will try and attack me with through the courts again unless I sort it out soon (as I am trying to now)

[HP Mum]

"unauthorised" refers to the account. If your current account was closed and a new one set up, NW should have got your authority for the new account.

How can a bank close a current account and transfer the balance into a new account of a different type, ie a loan account with different rates of interest, terms, etc without getting your approval in writing first ????

If you have had your current account o/d transferred into a new "loan" account and are subsequently being sent quarterly statements showing quarterly accruing interest, then this is unauthorised (illegal ??).

 

NW appears to have done this to a lot of people over the last 20 years. 9/10 people are ignorant about what NW have done. Probably cos they have many debt issues and they find it hard to face up to all the documentation that is sent to them; preferring to file rather than pore over the small print.

I knew something fishy had gone on with my current account, but I too just pushed it to one side to deal with later. With re-newed focus / determination on getting all my finances in order I recently tried to get to the bottom of it. Now I realise what NW did (are doing) I think it is important to make the public aware; to publicly (via legal means) get NW to explain their actions....

 

Does this relate to you ?

[HP Mum]

Just wondered if my old (still on-going) thread to do with NW changing my overdraft account into a Managed Loan and sending to CMS Telford would fit into this revised merged thread and help others too?

 

Please advise if you think it suitable to merge?

Link:

 

 

HP Mum v Nat West & Shoosmiths - HELP

Edited December 8, 2014 by HP Mum
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[HP Mum]

Have I missed something here?

Didn't NW combine two different accounts which they should not have done and then made a claim against you as if it was one account?

 

Did you ever get the SAR or CCA on these accounts (years ago) to get to the bottom of what NW did?

 

I'm not sure I understand how they managed to get so far in court with this?

 

 

Stayed for ages, then a ICO, now wanting you to sign a TO. It all sounds weird to me.

 

I have read all the posts but I can't see what NW's response was to how they have combined the two accounts into one claim....

[HP Mum]

Yes ICO I meant interim charging order

 

don't want to muddy the waters if you are close to settling and putting this behind you

- but just for clarity

- did nw take 2 different types of accounts of yours and create a new account for the purposes of making a claim against you?

 

I have an old nw account that nw closed and turned into a managed loan account with a different account number (without my permission) for the purposes of making a claim against me.

I am just wondering if they acted in the same way for you?

 

If they did set up a new account for the purposes of making a claim against you, then it does not surprise me that they want a TO confidentiality signed.