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Natwest Student/Grad overdraft wont allow me to arrange payment plan

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Hi all,

 

Here's the situation:

 

Opened a student account in 2007 with full overdraft and extended this a couple of times as per the normal rules and up to the max available limit of £2000

 

Ever since graduating have had financial difficulties with other credit cards and payday loans which are now (thankfully!) resolved. This is my last debt and i want to get rid, i want to pay it off but Natwest don't seem to want to help.

 

I have already opened another account with first direct and have switched over my wages and other regular s/o and d/d so my ongoing financial commitments are covered.

 

Currently, the account balance is around £2050 - incidentally, it was fees and interest that took me over the agreed limit - something that happens almost every month - (last month was charged over £100 in fees alone.

 

I want to pay what i owe them back - but so far their only communication has been a request to settle outstanding funds within 7 days - and whilst i'm in better financial position than i was, i haven't got the ability to rustle up that kind of money. Similarly, a telephone conversation this afternoon basically stated that i should just keep paying off in dribs and drabs until the overdraft is cleared. Nevertheless, all i want is an agreement in writing saying x amount to be paid monthly until the outstanding is cleared. Will be keeping all communication in writing in the future.

 

How do i proceed? Any help would be hugely appreciated!

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Complain to the CEO That they are not complying with FCA Rules on financial hardship where the OD is concerned.

 

Ross.McEwan@rbs.com

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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if the debt is most penalty stuff

then you need all the statements to work out what you really do owe?

 

 

sar time?

 

 

dx


..

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