Natwest "Z Marker" Internal marker

MoneySaverLog

There could be any number of reasons for someone in NW to have put this Z Marker on your account.

Apart from the dodgy credit file or previous account conduct mentioned already, another reason may be if you've been using the account for online gambling.

brummyboy1975

Thanks. Never used the account for that. I will keep chipping away at natwest, I would be really interested to hear if anyone else has had a similar problem as I also think it maybe a mistake as my account has previous been very good, cannot think of why I would get a marker

stclair

brummyboy1975 wrote: »

Thanks. Never used the account for that. I will keep chipping away at natwest, I would be really interested to hear if anyone else has had a similar problem as I also think it maybe a mistake as my account has previous been very good, cannot think of why I would get a marker

Thier will be a good reason as far the bank is concerned.

Just get your Equifax and Experian report then appeal.

Plus their is only one department that can apply and remove them.

brummyboy1975

Thanks. What's a thin file? In regards to CLU can I speak to them directly? So, do you think the best way forward is to get my credit reports and take them to the branch? If that fails, what do you then recommend as I really want to resolve it??

stclair

brummyboy1975 wrote: »

Thanks. What's a thin file? In regards to CLU can I speak to them directly? So, do you think the best way forward is to get my credit reports and take them to the branch? If that fails, what do you then recommend as I really want to resolve it??

No you can not speak to them directly in this particular section of PLU.

Just take your credit files to a branch they will pass it on for a review.

The bank have obligation to lend or open an account to anyone so their would not be more you could do.

Did you have any lending on your old account. When you say standard current account was it a step account?

Thin files is when their is not a lot of information on your credit report.

brummyboy1975

Thanks. I previously had a current account with overdraft and had credit cards with RBS and natwest. Account was an advantage gold account. I was actually even refused a step account which I found astonishing..

Do you mean they have no obligation to open an account? I guess I just want to get to the bottom of what this marker this and how can I remove it? Thanks

stclair

brummyboy1975 wrote: »

Thanks. I previously had a current account with overdraft and had credit cards with RBS and natwest. Account was an advantage gold account. I was actually even refused a step account which I found astonishing..

Do you mean they have no obligation to open an account? I guess I just want to get to the bottom of what this marker this and how can I remove it? Thanks

Was it all repaid your previous lending?

Do you or have you lived with someone with the same of similar name as yourself?

brummyboy1975

Yep. Not one late payment or anything hence why I don't understand the marker, only thing I can think is maybe because I have opened and closed natwest accounts previously.. Don't know

brummyboy1975

I live with my wife who actually has a natwest account.. Could it be linked to an old student address or rented accomendation before we moved to our house?

pqrdef

Could just be they've put somebody else's Z marker on your account by mistake. They won't have any system for checking these things to make sure they get them right. Why should they care?