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    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
    • forget bailiffs they can do nothing on a consumer credit debt covered by the consumer credit act. most certainly no right of forced entry nor clamping or seizing vehicles etc etc .    and it most certainly doesn't matter, even if someone did , which they didn't, contact them and said he's got money.   you've picked up some rather wild ideas on debts and CCJ's etc from some where which are totally incorrect and way off the rails of what really happens..   your next action is to goto your credit file and write down the 3 CCJ number. then on monday go ring northants bulk RECORD YOUR CALL. quote the three CCJ numbers and ask them for a copy of EACH judgement to be sent by email PDF. also ask them to either send copies of the 3 CLAIMFORMS TOO. or if they cant do that  get them to readout for each one: the address it was served too and the EXACT details of the Particulars of claim box    once you have those details comeback to this thread.   by the way who is the fleecing DCA that pulled these 3 stunts...lowell, cabot, Link, Intrum. hoist..?? who.  
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Natwest Bank reneging on promise of Bounce Back loan

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I’m having horrible time with NatWest bank applied for a feeder account for the bbl thankful hit accepted

I only started trading last September so had to give them unaudited accounts and a back up letter from my accountant.


Had an email confirming my new account details Friday.

Had another email to apply for the bbl as I now have the feeder account which is opened purely for the loan .


applied for the loan had an email they're doing further checks over the weekend an attachment was put in the email saying accepted.

rang the bank this morning spoke to them twice was told the money would be in the bank by Friday great!.


5 minutes later had an email saying they cancelled the application as I was not trading before 1st March this year .

I have bank accounts and invoices to prove that I was also an accountant document this is horrendous time for myself I have raised a complaint and refuse to be brushed aside

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Welcome to the forum.

I'm terribly sorry, but with the best will in the world it's not possible to understand what you are telling us.

Your post is in an unbroken block of text and also it seems to me that it is not punctuated so that the sentences are running into each other.

I appreciate that you are using a telephone – but please will you repost – use the paragraph return and also please punctuate the sentences so that it is intelligible to us. Then we will probably be able to give you some support.


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Hi many apologies,

I am having a problem with NatWest bank . I have been trying to access a bounce back loan sinse may . 
I applied for a buisiness account but was told I needed a feeder account for the bbl.

I passed all credit checks to open the feeder account  and was invited to apply for the bounce back loan.

I had a reply to say there are doing further checks then had an attachment saying application accepted.

I rang the bank this morning to see what was the next stage I was told by two different members off staff it had been accepted and would receive funds by Friday.

I had an email then saying I had been turned down as I wasn’t trading before March of this year which is complete nonsense as I had to prove this to open the feeder account . I have filed a complaint but am looking for help 

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I'm not too sure a bounceback loan is – but as you have already made a complaint to the bank, I think that you should wait and see what they say and then come back here and tell us.

It's highly likely that they will knock you back – because that's what they tend to do. However you need at least to have established a paper trail of complaint and rejection of that complaint before we can move on to any next step.

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  • BankFodder changed the title to Natwest Bank reneging on promise of Bounce Back loan

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