Please help me natwest are doing me over

sneak

cheers mate il do the letter tomoz when i finish work and get it sent. am just guna forget bout any previous charges i cant be bothered getting them back, il be happy if they just close the account completely and stop hassling me its doing my nut in!

i am going to do this myself like i dont wana get my mum and that involved really i have been sorting out my own problems life has to throw at me for some years now and i have a realy bad problem with debt, this has jus drove me mad iv just tried to forget bout the natwest account and hope it just dissapeared but it didnt lol and now its time to resolve the issue, i just need a few nudges on the way:D

im very greatful to you natweststaffmember you have already given me a few of the nudges cheers mate,

anyway il be back when they reply hope people will still be interested!

cheers crew

sneak

ez now,

well iv done whats been said and sent them a letter requesting a final responce from themselves and to close the account due to my non usage etc etc, wel i sent this about 2 weeks ago then today i got a phone call from some guy called lee from the recovery team or summet asking me to pay this outstanding balance which is now £424,
i explained that i not used the account and i have sent a letter explaining this, i said that the £12 a month i shouldnt pay coz i havent used the account and he was adiment that i must pay this money as i have signed up for a service and have agreed upon the £12 a month charge so i must be liable for it. so he says as you have not used the account as a goodwill gesture the lowest i can reduce the payment to is £140, this is £4 cheaper than the overall cost of the monthly charges for the gold acount.

i seriously do not wana pay this money and i said what happens if i dont pay it, he says you got 28days from today to pay, if you have not after this date then you will be liable for the full charges of £424 and debt collecters may come to your house to collect payments plus extra

what do you think i should do i have sent them the letter but they have not replied or anything? am really stuck do i really have to pay these charges even if i have not used the account? they are convincing me more an more propa blaggin my ed.

cheers for any help peace

natweststaffmember

Sorry, sneak for not responding, as this is not my regular home. I would ask NatWest to provide what is called a T-Bar which is something that proves a discussion of cost was discussed with you. If they cannot provide proof you signed for the £12 charge they have no leg to stand on. That means charges and interest. I would also put the account into dispute because that will stop them sending bailiffs round until they have resolved it.