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A bit of a rant but DFW related - Natwest cc "customer services"
Dutchgirl_2
Posts: 69 Forumite
Apologies for the rant in advance ...
I rang Natwest customer services this morning to pay off the remaining balance on my credit card, which has, apparently, defaulted. I found out about the default through my credit report, not through communications from Natwest, so I'm quite angry about that. I asked them why I had not received a default notice (I only received a letter saying, if you don't contact us within x amount of time, your account will be defaulted). I did contact NW to make a downpayment and then an arrangement to pay. None of the people who I talked to mentioned that there was a default.
The "customer services" person told me first that NW sent not only a letter warning about the default, but also a default notice and a letter saying that I had to pay £70 a month in order to avoid it going to a debt collection agency. I haven't received the last two letters, but can't prove this, obviously. The person I talked to later changed his mind and said that according to the terms and conditions, NW didn't have to send a letter announcing default (that's new to me!), but that they could "terminate" the account according to the terms and conditions if they felt like it. Just checked the T&Cs: "We may end the agreement at any time after giving you written notice, which in normal circumstances will not be less than 30 days."
He started getting quite rude after that and even looked at my NW bank account to "prove" that I had enough funds to make my payments and even managed to say that is was "unfair" that I paid other bills and not NW.
I'm not saying here that I'm not at fault, missing three payments, but they just treat you in a horrible way (almost as if you are a criminal).
Rant over...
I rang Natwest customer services this morning to pay off the remaining balance on my credit card, which has, apparently, defaulted. I found out about the default through my credit report, not through communications from Natwest, so I'm quite angry about that. I asked them why I had not received a default notice (I only received a letter saying, if you don't contact us within x amount of time, your account will be defaulted). I did contact NW to make a downpayment and then an arrangement to pay. None of the people who I talked to mentioned that there was a default.
The "customer services" person told me first that NW sent not only a letter warning about the default, but also a default notice and a letter saying that I had to pay £70 a month in order to avoid it going to a debt collection agency. I haven't received the last two letters, but can't prove this, obviously. The person I talked to later changed his mind and said that according to the terms and conditions, NW didn't have to send a letter announcing default (that's new to me!), but that they could "terminate" the account according to the terms and conditions if they felt like it. Just checked the T&Cs: "We may end the agreement at any time after giving you written notice, which in normal circumstances will not be less than 30 days."
He started getting quite rude after that and even looked at my NW bank account to "prove" that I had enough funds to make my payments and even managed to say that is was "unfair" that I paid other bills and not NW.
I'm not saying here that I'm not at fault, missing three payments, but they just treat you in a horrible way (almost as if you are a criminal).
Rant over...
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