written by Jovanny460 on 18/05/2015
I went in to nat waste bank in sittingebourne,sitting there for half an hour then this lump of lard came out and called me in,he said I could have the loan as long as I got my accounts from my accountant,which I received after 3 days,I took them back to the lump of lard,then he said I needed sa302 form for the last 3 years tax income,so another call to my accountant,who by this time was getting fed up with me.the forms came 4 days latter,so another trip to the lump of lard,he said I could have £7500 loan over 10 years or remortgage,which I didn't want to do because I own my house,so decided I would go for 10 year loan,I asked him why I couldn't have it for 4 years he said computer said no it had to be 10 years,and then he put it all in and the computer said no.i own my house have no debt and nat west declined me waste of time
written by 375McLean on 18/05/2014
Hello! ackaakc interesting ackaakc site! I'm really like it! Very, very ackaakc good!
written by Jaylyn71 on 18/05/2014
Hello! ecgaffc interesting ecgaffc site! I'm really like it! Very, very ecgaffc good!
written by Barrettwx227 on 06/05/2014
Hello! gefgafe interesting gefgafe site! I'm really like it! Very, very gefgafe good!
written by on 25/09/2013
I have been a Natwest customer for 10 years +, no debt trouble, credit rating is good. Researched for a £8000 loan over 48 months on comparison sites Natwest weren't the cheapest but as they were my bank I thought I would probably get the money quicker using them. The website stated a 4.6% rate for existing Natwest customers only, Brilliant....or so I thought... I spent an hour going throught the application online, losing the webpage half way through and having to start again which didn't impress me, this is no fault of Natwest mind you. Anyway got most of the way through the application and reached the review page and it suddenly appeared with a completely different interest rate and monthly payments (much much higher), I went back to make sure I hadn't clicked onto the wrong offer, I started the whole application again thinking I had made a mistake but no,the review page said the same thing again.I telephoned Natwest who in turn said yes the review page was correct and and this was the offer given to me even as an existing customer...I obviously told them this is not how it is written on the webpage but the lady on the phone said this only applys to some customers...so I obviously said NO THANKS!!!! Who are these 'some customers??' They could see from my bank accounts I hardly ever go overdrawn, don't owe any money and have a regular good wage coming in and have some savings but they only offered me the higher rate... I wonder if it is a dangling carrot situation where you think oh well I've done the application now I might aswell carry on with it and pay a higher rate. Mmmmmm If this is the case then I think this is a very untrustworthy hand to play.
written by on 02/08/2013
I applied for a loan and expected to wait a week tops to receive it after waiting two weeks they then said that they needed more info I.e pay slips so I took them down to my local branch to get faxed over and still hadn't heard anything on the third week they then asked for more info and by this time I just gave up and told them that I no longer wanted the loan and that they can stick it were the sun doesn't shine !
written by liam1986 on 05/06/2013
Applied for a loan, agreed in principle through my online banking. Have banked with NatWest for over 20 Years. Salary goes through my main NatWest account. Underwriting wanted to know a full breakdown of the loan, where every penny of the money is going to. They also wanted to see copies (originals) of my pay slips, credit card statements (3 months of each and every card I currently have!), and wanted my self assessment tax returns, all for £7.5k over 42 Months! What a joke! Complaints are a useless bunch of tards who care for nothing and their attitude is you either send the documents in and they might accept it, or go elsewhere and suffer!
written by on 05/04/2012
i have been a natwest customer for 7 plus years & took a loan out couple of years ago, i have asked on numerous occasions to get a top up for around £3,000 & denied each & everytime & the response i get is 'its out with their control'. however they were quick enough to accept me for a credit card, how does that figure?? dont waste your time to get a top up people, you are better off going elsewhere
written by darthchop on 17/10/2007
fast easy money but comes with massive penalties and early redemption charges- example£20,000 pound loan over 3 yrs - if redeemed at 10 months - end up paying almost £10,000
written by AlexKSR on 27/06/2006
I took out a £5,000 loan with Natwest in 2003 to cover credit card debt and overdraft. Not realising the slippery loan slope, I then had to take out a further £7,000 in December 2004 to cover more debts and the previous loan. The bank were tripping over themselves to give me the money, and when I went in to sign the forms I was told that the money would arrive in my account shortly before Christmas, and £5,000 would be "bounced" out into my Natwest credit card account, with £2,000 left in my current to clear my overdraft. I asked repeatedly if I had to make any transactions to complete this "bounce" of money, but my personal banking manager reassured me that it would all be done by the bank. After a long Christmas holiday, I was surprised to find that I had much more money than I thought in my current account. So, I paid off several bills and credit cards with the left over money, thinking I was well on my way to getting my finances in order. In May 2005 I received a call from Natwest saying that I owed them £12,000 and they were cancelling my credit card and freezing my current account until I paid them. The "bounce" had not taken place, and the loan money had NOT gone to my credit card or previous loan account, but it had sat in my current account the whole time, hence my surprise at the healthy state of my bank account. I had an emergency meeting with my personal banking manager, in which he said that he had "accidentally forgotten" to make the infamous "bounce" transaction and he was "really sorry" but there was nothing he could do, and I still owed the bank £12,000 because I had spent the money, despite on my loan form the reason for the loan was to clear my Natwest credit card and overdraft, not for any other purpose. I approached the financial ombudsman who stated that although it would be illegal for me to use the loan money for something else (like a car), it wasn't illegal for them to forget to transfer it. I kicked up a large fuss with Natwest, after which they fired my personal banking manager and gave me a "goodwill payment" of £300. I carried on pressing charges and had a meeting with my new and highly sycophantic bank manager last July, who promised he'd have a full report for me within a month. He has not returned my calls, messages and letters since.
written by kris1234 on 09/06/2006
I took a loan over 3.5 years ago for £15000 from Natwest for a term of 5 years. I went to see customer services, but none of them were willing to help when I asked about the Loan repayment. Every body were avoiding me until the bank closed. At last, I have been told that, even though I have paid off 12000 so far, out of £3500 interest I would pay in years I have already pad £3200, and if I pay the whole amount, I get no benefit. If I would have paid a year or earlier, my 2 months early repayment charge would have been £200 + per month, effectively paying a £500/- fine.
If you go to Natwest customer services will not help you at all.
If you try to cancel your Advantage Gold card, which is next to useless and costs £10 you will be on hold for at least 1 hour. (I would recommend you give that money to some charity).
You have to visit the bank 3 to 4 times if you need to make changes to your address.
Not recommended at all!
Once we've checked over your question we will put it live on the site and our strong community of experts will hopefully give you some great answers that you find useful.
We will email you when the question is on the site
Once we've checked over your answer we will put it live on the site so others can gain from your experience. We rely on members like you to sustain our vibrant community so thanks again, we couldn't do it without you.
We will email your when your answer is on the site
As rated by our community of reviewers
Mickylad's Comment
Written on: 05/11/2014
well that so strange I am a NatWest customer or was and I took out a loan but in December 2013 they had advertised a promotional rate of 4.6% to a NatWest customer if you take out a loan from £7500 to £ 14099 I have complained to fos re this as they said I have a 1% deduction been an avg account holder mm seems there is a bit of a rip off