NatWest bank charges - Wecot have not replied in ...

[stclair]

Originally Posted by boomclart

No, I am the only account holder and the account was passed along as per

NatWest > Triton > Westcot > on hold for 9 months (or so I thought) > NatWest/Triton closed account sometime on the basis of my complaint and none of the above advised me of this outcome and default is yet to be removed.

That's where we are at... When I rang Westcot I was half expecting them to say something stupid like we are still investigating it with NatWest this is why I started this thread, anticipating some excuse for why it is taking 9 months to come to a decision or at very least come back to me on the matter.

That's why you should have contacted the FOS it would have assisted in speeding up the process. However you have made it clear you want to go it alone.. Because if it was me I would have contacted them months ago. You may also want some in writing confirming what has been agreed and what they are intending to do to resolve it for you. You being told the debts written off over the phone does not mean anything.

[boomclart]

If I'd had a more pressing need to sort it out earlier I would and I've been working on projects in Canada/USA/Dubai/Australia/Czech Reb/Denmark/Holland and probably a few other places I've now forgot about during those 9 months... I just simply don't always have the time to chase such matters up... but now I'm based more at home I have found the time and as I mentioned me an my partner are looking at properties now as the travelling has more or less settled workwise for the foreseeable future

[boomclart]

Finally have a resolution for the matter plus a random £80 cheque as compensation for the whole period I have been stuck with an unjust default on my account an unable to secure any reasonable credit in the meantime.

[boomclart]

Had to call Natwest this afternoon as they still haven't updated my credit files and removed the account in full. They were full of apologies and said it will be done today and gone within 5 days.

[boomclart]

On the back of this a second complaint has been raised today in respect of losses due to the inability to secure finances because of the adverser data reported by NatWest on my credit files.

Inability to secure mortgage for example which has meant ongoing rent payments into someone else's mortgage/back pocket as opposed to my own. They have agreed a paltry £80 compensation as shown in the above posts is unlikely to be sufficient and have passed back to the customer care team to investigate.

This is on the back of them still not successfully updating my credit filed despite the letter above stating they would, they have now completed this today (for apparently the second time) and a manager will be checking it went through correctly without issues on Monday.

[boomclart]

Equifax report corrected and defaulted information removed.
Experian and Callcredit files still showing default and NatWest still apologising for 'human errors' now and have sent a second cheque this time for £100.

I've begun seeking legal advice on seeking further compensation for rejected mortgage applications due to the only default on my file, meaning potentially lost money in the region of £8000 paid out in rent for my current accommodation instead of towards my own mortgage.

I don't expect to get anywhere near that total but I expect a lot better than £180 and almost 3 years of my life being put on hold in terms of progressing on the property ladder and instead paying someone else's mortgage because of mis-sold product and human error's.