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riply88

Defaulted Nat West Current account

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I have a few threads going, but this is my Nat West one.

 

I had a few issues and worked away a lot in the last 4 years, and my Nat West current account was overdrawn. I guess it went to collections but i never heard anything in the post and just forgot about it (stupid i know). I have checked my CRA and it shows as defaulted back in 2009, for around £1500, although strangely in the last few months the balence has reduced by about £100??

I do want to sort it out now, but i guess there could be charges on the account, I did get a load of charges refunded around 2006/7 so i know the process.

 

First step is to SAR them i guess?

 

I also had a business account which appears to have been closed as well, can i just phone them about all this or should i keep it in writing?

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Hi,

 

Your right about sending the SAR, this will let you know the score regarding both accounts, I'm afraid claiming back charges on a current account is very difficult now, you've either got to go down the hardship route or have a look at BCOBS.

 

Once you get the info working out a way to get things sorted should be easier.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Hi,

 

Your right about sending the SAR, this will let you know the score regarding both accounts, I'm afraid claiming back charges on a current account is very difficult now, you've either got to go down the hardship route or have a look at BCOBS.

 

Once you get the info working out a way to get things sorted should be easier.

 

Thanks. Am i right in thinking though they should not default it if there is charges? Also whats the best address to SAR Nat West?

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If you want them to remove the default using the charges as a reason it has to be clear that it was the charges alone that resulted in the default.

 

The latest address I have is.............

 

The Manager Subject access request Team

Ground Floor

Business House B

PO Box 1000

Edinburgh

EH12 1HQ


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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