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Hi there. Back in 2011 I had a former student overdraft with Natwest totalling £1600, after a few financial difficulties I had breached my overdraft to the point that it was at £2100, having returned to University after working for a few years I did not have the money to settle the amount over and bring the overdraft in line till I got my next student loan, which was a few months away. Having looked into claiming back of bank charges I believed I may be able to claim them back under the hardship clause, as I was a student, unemployed and stuck in a vicious cycle of bank charges.

 

I calculated my bank charges, which totaled close to £2000 over a period of about 5 years, compiled the relevant letter and sent the request off to Natwest. Rather than replying with a rejection of the claim or further discussion Natwest replied with a letter saying that as I am in financial difficulty to help me they will close the account and organise a repayment plan with me, I spoke to them to dispute this as there was no way I would be able to repay the OD anytime soon.

 

Wrongly I buried my head in the sand and the OD has been passed from Natwest to numerous different debt collectors, who have in turn passed it on to other debt collectors.

 

The debt is now owned by Robinson Way who are requesting £2,399.88. Either in full or by repayment plan, and threatening a home visit in 7 days. Could some body offer some advice, this account defaulted around September 2011.

Edited by citizenB
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I dont quite understand this.

 

You say you "Back in 2011 you had a former student loan" - when did you actually take the loan out ?

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ah righto.

 

In which case, when was the last time you made any payment toward this ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am not quite sure how the conversion to a normal overdraft from the Student loan would affect things. It might be worth your holding on until such times as others can look in.. which will probably be this evening.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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