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natwest and wescot - mizzwhippy


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Hi, Im adding to this thread!..I dont know how to use this site properly...but I have a question with regards to natwest and wescot....I had a big debt £5000 with natwest well it was a 5000 loan that they gave me about 5 years ago...I originaly went into the bank for a 1000 loan just to see me through xmas..i told the lad at the bank i was broke and he said that if I said i was employed he could give me a 5000 if i said it was for a car or something...he then went on to say...it would be cheaper for me to borrow 5000 then if i kept 4000 of it in my savings account and just used the 1000 i needed then after christmas when i had the 1000 available then i could just put it back with the 4000 in my savings account and pay the loan off within 3 months...so i stupidly did then strated to spend the 4000 too! at the time after xmas i got a job and the 137 a month payments didnt seem so bad for the whole amount 5000...I 3 years later found out that they were charging me 20 a month on top for insurance incase i became unemployed ect...but i never was told about this insurance..it was juat a little tiny cross in a box on the form i ddint even notice it when i signed..the thing i found out 3 years later is that it wouldnt have been valid for me at the time because i was not employed when i took out the loan...anyway besides that(and i did phone the bank manager to ask for a copy of the original agreement, he never called back) i payed my loan at 137 a month for 3 years....then i started uni...i then started to really take notice that my original debt had only gone down by about 400 in 3 years! of course it was getting charged intrest on top...i went to the citizens advice and they told me they could put me on a debt managment plan becasue i was by then a broke student(still am)...i agreed with them and natwest i would pay £2 a month until further notice...that was a year and a half ago...I went to spain this summer as part of my degree and came back to find that id missed one £ 2 payment by accidentally taking all the money from my account for a few days whilst i was in spain..they passed my debt on to Wescot...are they allowed to do this?? just pass your debt on to another company...jsut because i missed a payment...i must say i did get a couple of letters but as i didnt open them till i got back i guess it was too late..but it was just one payment of £2...the crazy thing is..is that i had £9 in my savings account with them..surely they should have taken it out of there if they were that desperate! im really cross...now i have wescot on my back ive set up a £2 payment with them now but they said they want to talk about payng it off!! i have no money, ive just had to get a crisis loan from uni...the £2 is all i can afford right now...im so cross with natwest they have basically had their 5000 just in interest over the last 5 years and they they do this...anyway what spurred me to write is that i had a message of wescot this morning telling me to ring them..i have rang and told them they have t ring back because my phone credit is nearly out...they havnt rang yet...im really worried they are gonna now try n get me to pay more just before the skintest xmas of my life!! any advice...also do you know if im still incuring intrest? i thought they freeze it once your on a managment plan?do you think now wescot have it they wil start charging me?im freakeddddd need advice lol

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Sorry but this post is very difficult to read because it is a solid block of text with no spaces and no punctuation.

 

Please be fair to the people who would like to help you by posting it again in a more manageable form.

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I just spent 10 min writing out in neat and you go and close the thread..cheers

 

Sorry but it couldn't be read.

 

Please start a new thread

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forget it..anyway judging by the way you are barking demands at the other person on this thread..maybe you are not the person I need to ask for advice.

Sorry you feel that way.

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Thread Locked

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Thanks

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