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Owen v Natwest


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Hi there

 

Im new to this site and just wondered if anyone could offer me some help.

 

In June 2006 i had a problem with my current account, I was told I still owed money to my student account, this was three years since I heard off Natwest about this account, I thought I had paid back my over draft as I had heard nothing.

I was told I could no longer have an account with Natwest so I agreed to pay the outstanding amount (around £120) on the 21st of July.

On the 14th of August I received a cheque from natwest along with a letter saying all accounts were discharged and the cheque was made in respect of the overpayment i have made.

I moved to another bank but a mix-up at work caused them to send my wages to my old natwest account, I phoned natwest and was told it was no problem and i could take my money out straight away.

Now here we are. Last week I received a letter from a debt recovery agency saying I owed natwest £300.14. I called natwest headoffice but they said they couldn't help and I would have to go into the branch to find out what ahd happened.

I went in today and they told me that when I closed the account (23rd August) I took all money including what I owed them because the debt was not off set. How is this possible when a when a week before i closed the account i had the letter saying all acconts had been discharged?

 

Any help would be great as I am thinking of taking legal action against NAFWEST!

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Ok it should be a simple procedure then. Go to your local branch with the following:

 

Time line of events.....what happended and when copy for bank.

Original letter from bank re discharge of accounts and a copy for the bank (dont give your original)

Latest letter from collection agency again a copy for the bank and keep original.

 

Ask them to explain the mistake and to rectify it before the end of the day. If they tell you they have not the authorisation to do this then ask to speak to the manager. Be firm and polite.

 

Good luck

 

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Thanks Mrsfoot

 

I went in today but they were not too helpful. They just basically told me I took too much when i closed the account. I do not see how this is possible, and why have they not been in contact with me? its been nearly 4 months since i have used natwest

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Its very frustrating, but you have the letter to say all accounts were discharged, and if you have any evidence of the cheque they paid you then take that along too.

 

Let me know how you get on, be happy!

 

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Yeah i had to start shaving my head because i started pulling my hair out!

 

The only evidence for the cheque is a statement from my new bank which shows the cheque paid into my new account. Is that any good?

 

Thanks

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Guest willowb
Yeah that should be fine.

 

Re shaving the head, thats not too bad wait till they grey is sprouting out your ears and nose lol

 

mrsfoot

lmao!!!!:D :D :D

 

Wxxx

 

 

but then......eeeeeeuuuuuuwwwwww:( lol

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Your posts moved into Natwest bank forum

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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