Some advice please

[feistyblue]

I'd appreciate a little help with my particular situation please.

 

I've spent the day reading this site and writing the DPA request letters to the majority of institutions that I plan to claim against. Most of these charges were incurred several years ago whilst I was still married by my ex. I won't bore you with details but we were in serious debt (mostly incurred by him in my name) and I ended up with 3 CCJ's as I couldn't afford repayments and the companies wouldn't accept my offers. Anyway, they are due to "drop off" my credit record in Sept this year, but because of them the only bank account I was able to get was NatWest. No other bank would touch me (and I tried every single one - Natwest happened to be the last!)

 

I've actually been really happy with their Step account but am now worried about what may happen if I claim for the small amount (approx £100-200) of charges I encurred with them. I've also started a business recently as well as being employed so not only do I have 3 personal accounts with them (well 4 if you count my son's savings) but also a business account.

 

I know there is a small risk they may close my personal accounts - but I'm wondering how likely it is and how likely it is that they may close the business account - again no other bank would touch me for that either.

[snake1977]

My first reaction to this post is one of amazement - that there is someone out there actually happy with Natwest!! :o But I guess that if you have ten million customers, there must be one or two...

 

On to more serious matters: if you choose to claim against Natwest, the least you should do is leave them until last. That way you will have a happy few months of claiming against other institutions before having to face your present bank.

 

And by claiming, you ought to be aware that there is a risk, albeit small, that they will close your account. By leaving them until last though, you should have a clean credit history by the time you get round to them.

 

And if you do claim, and assuming they don't close your account, at least it will serve as a notice of intent as to how you expect to be treated in the future.

 

I think most on this site would believe this to be the best stategy.

 

But as a happy customer (and as an honest, loyal and upstanding individual, of course) you may feel that their willingness to stand by you when no-one else would is worth more than the £200 you would claim. In my experience however, Natwest will turn its back on loyal customers (me) just as quickly, if not quicker, so don't feel too guilty. It's your money they've nicked after all. And you wouldn't be so lenient on a thief.

[feistyblue]

This topic was closed on 10 March 2019.

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