letter writing help

Kathleen1989

Good Evening, i have been dealing with this problem for the last 6 monthsand have tried my best to try and get is resolved, i seem to be going round incircles and not getting anywhere, this has caused massive amount of stress andjob loss, i was wondering if anybody could help me with an initial letter ofcomplaint to Nat West, i understand it has to go through an internal processfirst but not sure how to start.

I will very briefly explain my situation, if you require any more infoplease ask.

My first ever bank account was with NatWest, I opened this account up when Ilived with my mother at the age of 16 back in 2005/2006, I opened it in theHay-On-Wye branch and had paper statements sent to me with no problem.

I then moved to Essex in 2006 and informed them of my move and againcontinued to receive paper statements on a regular basis.

In 2008 I moved into a property with my partner and again informed them ofthe move and continued to receive paper statements.

In 2009 I changed my bank to Lloyds as I was unhappy for several reasons anddidn’t think any more about it.

7 months ago I started a job where i needed to be able to provide the last 5years residency history, I contacted NatWest at the time to ask for this to besent and was told without the sort code and acc number it would not bepossible, 6 months later after many many phone calls and NatWest telling me thedocuments were on the way i have not received them and subsequently lost myjob, i have a letter to prove this was the only reason i lost my job from theHR Manager this has caused major stress problems which leads to me havingextreme heart palpitations and could, if continued stress is caused could leadto me having a heart attack.

I have now started a new job 4 days ago within the financial industry andthis information has now been requested again, I spoke to NatWest and they haveadvised me that this information is not available to be located, since then ihave been informed that it IS possible as the Inland Revenue can requestthis info, now i have been informed by the FSA that the info should be kept for6 years so time is of the essence.

I’m sorry if I have missed anything out but as you can imagine this is adifficult situation and i cannot afford to lose another job.

I have given NatWest as much info as possible, addresses and dates and caneven provide I.D evidence if it is required from my local branch, police, Dr,Solicitor, Accountant and a Director of the current company i work for withinthe financial services.

Thanks Kathleen

xylophone

"Last five years' residency" - I don't understand why Natwest has to supply this?

Kathleen1989

its something that i need and am legally entitled to have.

Kind Regards Kathleen

bengal-stripe

Kathleen1989 wrote: »

.......had paper statements sent to me with no problem.............again continued to receive paper statements on a regular basis.......and continued to receive paper statements.

.......last 5years residency history, I contacted NatWest at the time to ask for this to be sent.....this has caused major stress problems which leads to me havingextreme heart palpitations and could, if continued stress is caused could leadto me having a heart attack.

You've got all these statements, they will prove that the bank had this particular address on file. How can the bank know that you actually did live there?

Otherwise use utility bills, council tax, rent books, doctor's registration, tax coding or whatever. Again they will prove that you had used these addresses for correspondence, but not that you were residing there and nowhere else. (Plenty of people, particular when they change accommodation frequently, use their parents' address but do not live there.)

InsideInsurance

What are you actually asking for the bank to provide to you? A letter with the correspondence addresses they held for you? Copy statements?

Having gotten copy statements myself in the past I can tell you now that they will all have the same address on them when they come through even if when they were first produced they were sent to an old address - they arent actually copies but are regenerated using the old transaction information.

To be honest with you, it sounds like you over time haven't been sensible in keeping records and now have turned to a company that you abandoned as a customer and expect them to help you out when they have no incentive to do so.

Going back to basics then, why do the employers require you to give proof of address for 5 years? I have worked in financial services (banks and insurers) for more years than I care to remember and whilst I do have to have full references for 5 years employment never once has it been about addresses.

You could do a SARs request with Natwest for £10 which will give you a copy of everything they hold about you but this will all come as a massive data dump onto plain white paper and so it would be better to check with your employers first if they are going to accept it in this form.

You are possibly better getting in contact with all your other organisations (utilities, councils, landlords, doctors, HMRC, Financial Services etc) and ask them for what they can provide. Out of all of them you can hopefully piece things together.

Going forward, you really should keep bank statements for 6 years as well as any contracts (eg tenancy agreements, insurance documents etc)

pmduk

I suspect the SAR is the best way forward as has already been stated.