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I saw my own "Lending Review" at Natwest today...
taless
Posts: 244 Forumite
Went into a Natwest branch today, to close my First Reserve account. (I'm still keeping my Current Plus & E-savings open)
Was persuaded into leaving my First Reserve account open, but I insisted - so she unhappily went and took the forms for me. I filled it in.
Then she said there, how did you get the Current Plus account, as you are an international student? I said I don't know, that was what is offered to me?
While filling in the forms, I seen this thing on the screen "Lender Review: Savings has been falling steadily over time."
Currently have £50 Approved Overdraft with the Current Plus - and due to most of my funds being fed directly into Lloyds upon receiving them in Natwest, I'm now only about £20 in my E-Savings and £3 (in credit) in my Current Plus.
1. Should I be alarmed at seeing the "Lender Review" thing?
2. Will they be real sneaky and withdraw the O/D from me while I am in overdraft with them - and then send a letter to me saying that I have breached the T&Cs by going beyond the overdraft limit & charging me for that? (as I seen in some poster's experience here)
3. Should I, say for example, try and leave some money in the account for sometime before feeding them into LTSB, just to make them happy?
Sidenote: To be honest, I have no problems if Natwest doesn't want me - I don't want them either, they treat international students like rubbish anyway (this is not the first time I've heard comments coming, how did you get the Current Plus? E-Savings? Student Credit Card? I applied and got accepted - how do I know?!) If I known about their treatment upon reaching the UK I wouldn't have dealt with them at the first place. The frank reason I'm keeping it open is due to my sponsors - it can be real hard to get them to change the payee bank details (due to their bureaucracy, message sent to one often not gets relayed to the other)!
Was persuaded into leaving my First Reserve account open, but I insisted - so she unhappily went and took the forms for me. I filled it in.
Then she said there, how did you get the Current Plus account, as you are an international student? I said I don't know, that was what is offered to me?
While filling in the forms, I seen this thing on the screen "Lender Review: Savings has been falling steadily over time."
Currently have £50 Approved Overdraft with the Current Plus - and due to most of my funds being fed directly into Lloyds upon receiving them in Natwest, I'm now only about £20 in my E-Savings and £3 (in credit) in my Current Plus.
1. Should I be alarmed at seeing the "Lender Review" thing?
2. Will they be real sneaky and withdraw the O/D from me while I am in overdraft with them - and then send a letter to me saying that I have breached the T&Cs by going beyond the overdraft limit & charging me for that? (as I seen in some poster's experience here)
3. Should I, say for example, try and leave some money in the account for sometime before feeding them into LTSB, just to make them happy?
Sidenote: To be honest, I have no problems if Natwest doesn't want me - I don't want them either, they treat international students like rubbish anyway (this is not the first time I've heard comments coming, how did you get the Current Plus? E-Savings? Student Credit Card? I applied and got accepted - how do I know?!) If I known about their treatment upon reaching the UK I wouldn't have dealt with them at the first place. The frank reason I'm keeping it open is due to my sponsors - it can be real hard to get them to change the payee bank details (due to their bureaucracy, message sent to one often not gets relayed to the other)!
0
Comments
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This sounds like a computer generated sales opportunity for their sales staff to offer you a loan. I wouldn't read anything more in to it than that.0
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