Overdraft + Loan from Natwest

[Startliving]

Hi guys,

I contacted the Natwest Helpline after being advised to call them because of my overdraft which has now exceeded -£800. It's building at a rate of £6 per day, and that's why I got a bit worried and contacted them.

I spoke to a collections girl who asked me my name, DOB, Account number and Sort code. She said she would put me through to a team where my full overdraft can be written off... and I can negotiate paying a minimum of £5 per month until I have the means to back back my loan.

I still have not sent the letters yet, and did'n't agree to anything on the phone. Obviously they recorded the call.

--Where do I stand with this now? Am I good to send the letters now, or has my contact with them thrown a spanner in the works?

Hi Go-Getters


I've got a Natwest unsecured loan, and the last payment
they took was a couple of months back in March 2012.

Actually... when they last took payment via direct debit, I had
about £100 in my account and the monthly payment was £187.

So this has taken my balance into the overdraft (I've got a £100 limit)
and since then they've been bombing me with £6 a day fee's.

I've since cancelled all direct debits with Natwest.

You can see the letters I'm getting from Natwest below.

That said ... is this a good time to send the first letter?

Thanks ... fellow go-getters!


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[ceylon]

if you want to start now you can do or wait its up to you

[nickjames]

Hi,

I am currently waiting to send letter three to Natwest (Still heard nothing from them and nothing from Debt Collectors).

My query is, I have got a loan and an overdraft with Natwest, the overdraft is -£800 due to a Natwest error as they cancelled my overdraft by accident and opened me a new one. On the Letters, I have used the account number for the bank account that my loan payments go out of and that account has been suspended due to the overdraft. Will I need to do the three letters seperate for the loan, or will this be included with the initial three letters i have sent with my bank account number?

Thanks in advance

[ceylon]

Everyone is separate