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Student account, now passed on to APEX

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Dear All,


I currently have a student account with Natwest, with a £1,500 limit which is maxed out.


Cut the long story short, when the Natwest Systems crashed last year I was due to receive a payment of £1,850 but it was not reflected on the account due to the system crash.


Natwest kindly credited my account with the £1,850 into my account.


A few months later, Natwest misused my account £1,850 leaving me in well over £3,000 overdraft

as they said they have not seen the credit come into the account which was supposed to.


( I am in the process to find out, if the credit was made to Natwest or that person lied)


Now my account stands as this

£1,500 Over draft

£1,850 CREDIT


And it has been passed onto APEX credit management.


Seeing I am still a student,

I should have not be passed over to the DCA....

furthermore the payment of £1,850 was given to by Natwest I did not sign any forms or anything.

They said they would take the money when it reflects on the account and this can take some time.


I have been avoiding this for a long time, now I do not know where I stand, and what to do!


Appreciate your help and support.



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