Re: Problem with NatWest please help
 

They could also set a precedent, make their terms and conditions pointless and have everyone around look for debt forgiveness. Sometimes better to set an example than a precedent.

Re: Problem with NatWest please help
 

Assuming everything happened as the OP has described, this is the bank's fault. Either:

a) This Miles chappie mislead mislead the OP's husband or:
b) he failed to do what he said he was going to do.

I don't think the OP's husband has any moral obligation to pay a penny. In fact, he should demand his £100 back.

All bank charges can be waived. Even legitimate ones. It just needs someone who has the authority and motivation to do so. Start by writing, calmly and politely, to the area manager. Explain why this "debt" has arisen through the fault of a bank employee. Ask for the £100 back. Tell them that, as a matter of principle, you are not going to pay for their employee's negligence. Tell them you are prepared to escalate this by any means available to you until you get satisfaction. Tell that that you will be happy to let others judge the merits of your position.

If you don't get satisfaction write to the area manager's boss. And their boss and so on up to board level. Carry out your threats by posting copies of your letters and their responses online (though do be careful about what you say). Send copies to local newspapers. Consider TV consumer programs. Be a right royal PIA. At some point someone in the bank will decide it is all more bother than it's worth.

Alternately, you can decide life is to short for this kind of crap and pay up to make it go away.

In either case tell the debt collectors (politely and in writing) to go **** themselves.

Re: Problem with NatWest please help
 

Hi,

I'm not pretending to know anything about banking, but I know they must have a relevant ombudsman and regulatory body. Would it help to contact them? Just a thought.

Good luck

P.S. Saw a sign today that said: Want to know what God thinks of money; just look who he gave it to. ;)

Re: Problem with NatWest please help
 

The most sensible suggestion so far ...

Re: Problem with NatWest please help
 

Becki, you have received a lot of good advice here. I suggest it is time to act on it. Not you, the person who is allegedly being pursued for debt.

It will not cost a penny, for the moment, as the putative debt in question is far too small for international proceedings.

Never say never, regarding an eventual return to the UK, & at least try, in writing, to sort it out.

Good luck! :-)

Re: Problem with NatWest please help
 

Not until the circumstances/claims/counter-claims are documented.

Re: Problem with NatWest please help
 

This seems very strange - they were required to notify your husband of the charges they were going to make, to his last known address. If he hadn't given them a new address then they would have kept his parents address on file as you are required to have a UK address in order to have a bank account with them (apparently).


http://personal.natwest.com/content/...Conditions.pdf
I think you may be able to challenge the charges as Natwest were required, under their terms and conditions, to notify your husband to any fees in advance to them being taken. If they didn't have any address then they should have notified him by email or phone. Normally, if they received any letters or statements back they would have put a hold on the account and contacted you by other means.

According to the Ombudsman advice on current account charges:
http://www.financial-ombudsman.org.u...nt-charges.pdf

You could look at the different decisions on the above website, put in a search for 'national westminster bank' and select 'banking' in the drop down menu. http://www.ombudsman-decisions.org.uk/

:)