Natwest how to get a list of services sold

Redheat83

Hello, I am writing on behalf of my friends mum and dad. About 10 years ago they had a market stall business that went into insolvency due to massive amount of debt, he was apparently taking more loans to pay others. This sent my friends dad into a severe break down and so approaching the subject now is still a little touchy. My friends mum can help. What I would like to know is:-

How do you go about requesting products you had previously from the bank. Can it be done though letter?

Once I get a picture of the lending I can then see if there is any grounds for unreasonable lending which I suspect there was.

Any help and insight would be greatly appreciated.

Regards,

Luke

dunstonh

How do you go about requesting products you had previously from the bank. Can it be done though letter?

It is unlikely a bank will be able to do that. Plus, they dont need to. Although it is possible they would do it and charge for it.

However, a data subject access request can be done to see what data they retain. You dont dictate what you get as its effectively everything they have.

Once I get a picture of the lending I can then see if there is any grounds for unreasonable lending which I suspect there was.

There are very few complaints made on unreasonable lending and even fewer upheld. Adults are free to make decisions and basically, lenders are free to lend the money as it is their money they are putting at risk. Commercial activities (such as lending to businesses) is largely unregulated.

roonaldo

Redheat83 wrote: »

How do you go about requesting products you had previously from the bank. Can it be done though letter?

Send a letter requesting a DSAR with £10 along with the account holders written authority.

Once I get a picture of the lending I can then see if there is any grounds for unreasonable lending which I suspect there was.

You mean they borrowed too much, it's not the banks fault they took out loans and maxed out credit cards etc

[Deleted User]

Redheat83 wrote: »

Once I get a picture of the lending I can then see if there is any grounds for unreasonable lending which I suspect there was.

You won't get anywhere with a complaint about "unreasonable lending", especially if it refers to business lending.

No one is forced to take a loan and as long as the borrower is over the age of eighteen then it is that person's own choice to borrow.

Redheat83

Thank you all for your reply. To be honest I originally wanted to see about PPI but mentioned unreasonable lending as it sounded good as it was a broad term when typing although I did genuinely thought that was a valid issue. I will more than likely go for the DSAR.

Thanks so much for your replies.

Regards,

Luke