I think Natwest missold me an account and are now crippling me with debt.

Flickedoff

4 years ago, I got a decented sized amount of money from an aunt who died. I had been on benefits a I suffered from mental illness. I stopped my benefit as this money was over the minimum limit and when I desposited this money, my bank manger presuaded me to sign up for a gold account even though this wwas a one of payment telling me I would get insurance and benefits.

Years later, the money naturally ran out and before I have had a chance to start claiming again, the bank took me into an unarranged over draft with the gold account fee and what was a £15 fee turned into charges over £200. I rang them in tears and asked them how can they charge this but they were unsympathetic.

I borrowed the money off my father to pay and asked the bank to return my account to a normal current account as none of the benefits ever suited my circumstances and I can't afford £15 a month. Imagine my suprise to find they took me yet again into the overdraft with another gold charge and are now asking for nearly £300. They are denying any contact from me and the woman I spoke to even went as far to suggest I must has put myself into the overdraft by using the account, even though my statement clearly shows I haven't. I refused to pay. This is unfair and wrong and I want to know what my rights are. Can someone please help?

PeacefulWaters

Did it ever cross your mind to:

1. Read your bank statements?
2. Cancel the Gold benefits?

Did you ever use the benefits / insurances?

Complain to the bank's central complaints team. Ask for account fees, overdraft charges etc to be refunded. You might get lucky.

Flickedoff

1. The charges were revealed in the latest statement. This sudden massive charge has taken place within four to six weeks.

2. I did cancel the gold account after I paid the first one so there is no reason why they should be taking money.

Also no, I never used the services. I don't have a car, I don't travel... I explained all this when the manager was trying to sell it but he insisted I would benefit for a higher rate of interest with it plus it would be useful to have in case.

PHYTHIAN

I'd recommend you have a look here:-
http://www.moneysavingexpert.com/reclaim/bank-charges

as your charges are most certainly
1. Causing financial hardship
2. Snowballing
3. Disproportionate

I won a case for my son with Natwest for virtually the same situation you find yourself in.

grumbler

Also, if the account really was missold, it's worth looking at antother article:

• Packaged Bank Accounts