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Still owe money AFTER settlement

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I've had a loan with NatWest for about 3 years now and still owed 2k. Contacted them on 18th February for a settlement figure and paid it straight off including an early repayment charge, the lady on the phone said that's all closed now and she even cancelled the direct debit for me. The direct debit should of been took on 2nd march had I not settled the loan but NatWest have attempted to take the direct debit on the 2nd but as it was cancelled they have taken it on the 4th as an unpaid direct debit(which I'll get charged for). NatWest have said that the settlement figure didn't include the final direct debit. How can they give a settlement figure that isn't the whole balance?


  • edited 13 March at 1:59PM
    Willing2LearnWilling2Learn Forumite
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    edited 13 March at 1:59PM

    Make a complaint to NatWest, saying that the customer service agent that took the payment failed to notify you that the a final payment was required, and would be taken by Direct Debit.  Ask them not to record a negative marker on your credit files and to waive the associated late payment charge.
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