Old Natwest Debt HELP

VohnnyJegas

Brie said:

Write to the bank and ask for a full record of the account and a complete subject access request (SAR).  

This should include any letter they have written to you regarding this account since at least 2013 but don't specify the start date so you can see how far back you can get any info.

There should be all bank statement plus annual statements that they should have been sending you by post, not email.  

They should also have been making it clear that you were in continuous serious debt and approached you a few years back about this.  

What I find particularly challenging is how they say you went from being charged £6 a month to £50+.  This would have to be a change in T&Cs of some sort and again this should have been sent to you by post.  

Once you have all the information about what they did (& possibly didn't) do then you will need to write them stating you are making a complaint due to the financial difficulties they have caused through their lack of communication and failure to take account of your vulnerable situation.

There's no point in clogging up the bank's compliant system for a problem that is easily resolved.

The OP wanted to pay the bare minimum and that's what they did.
However, that is not without consequence, as they have now found out.

They can renegotiate the deal if needs be, but the solution is just to pay the debt off. Especially as it will accrue a ton of interest if they do not.

born_again

VohnnyJegas said:

Brie said:

Write to the bank and ask for a full record of the account and a complete subject access request (SAR).  

This should include any letter they have written to you regarding this account since at least 2013 but don't specify the start date so you can see how far back you can get any info.

There should be all bank statement plus annual statements that they should have been sending you by post, not email.  

They should also have been making it clear that you were in continuous serious debt and approached you a few years back about this.  

What I find particularly challenging is how they say you went from being charged £6 a month to £50+.  This would have to be a change in T&Cs of some sort and again this should have been sent to you by post.  

Once you have all the information about what they did (& possibly didn't) do then you will need to write them stating you are making a complaint due to the financial difficulties they have caused through their lack of communication and failure to take account of your vulnerable situation.

There's no point in clogging up the bank's compliant system for a problem that is easily resolved.

The OP wanted to pay the bare minimum and that's what they did.
However, that is not without consequence, as they have now found out.

They can renegotiate the deal if needs be, but the solution is just to pay the debt off. Especially as it will accrue a ton of interest if they do not.

Sadly I have found many issues that a rep could have resolved themselves there & then. But they do not want to spend the time dealing with it. So a complaint is the best way forward. They are there to deal with problems.
As the complaints team will look at everything & deal as they see fit. 

Basicly boils down to rep not wanting to explain why they have given away banks money. Even when they can see the bank is in the wrong.