I've read all the negative comments aout Nat West Mortgages, and it appears most of hem are from people who have been in some sort of trouble with repayments.

I have just got my first mortgage with Natwest, I had a sameday in principle yes decision on the Monday, a text messgae the same day saying the Mortgage Application was being processed. The next day I got a phone call from the Mortgage Advisor in the Branch saying the Mortgage had been agreed, later the same day I got a text message teling me the Mortgage was agreed, subect to the usual legal agreements and valuation.

I would recomemnd to all my friends, but I would suggest that you actually gp into the Branch to see the Mortgage specialist. The whole process was stress free and I'm extremely happy with the way I was treated.

WELL DONE NATWEST.

I have been experiencing difficulty with our mortgage repayments for the last 4 months due to my husband being out of work, I am always hearing that you should contact your lender as early as possible to advise them you are struggling as they will try to help you out however I have found this not to be the case. I have contacted them on numerous occasions to see if we could temporarily reduce our standard variable rate mortgage repayments and have had to be put through to their arrears dept (even though I am not in arrears) as they are the only dept who can deal with requests for repayment reductions. The people in that department desperately need customer service training as they have a complete lack of understanding and empathy and they speak to you in the most patronising and degrading manner. As per advice from my Bank Manager I sent a letter to them by special delivery explaining my circumstances and requesting help however when I phoned them 2 weeks later to advise I had not received a reply I was told that although Royal Moail had delivered the letter it had not been logged on Natwest system so they had probably lost it!!! I have now sent a massive complaint letter. I would not recommend Natwest Mortgages to anyone and will be moving my mortgage as soon as my husband is back in work.

Just to re-affirm the bad experiences everyone else has had. Shame I had to give them any stars at all.....

I'm moving mortgage so request a settlement figure. SIX, yes SIX different settlement figures later, all of them considerably higher than the balance was 2 months previous, and I'm now at a figure I sort of agree on.

Natwest have now dragged their heels for THREE WEEKS to get a new figure out to me, in the meantime I've made another payment on my mortgage, making my settlement figure moot. Let's see how quickly I get the difference back....

To top it off, I had to take Natwest to court 5 years ago - they told me I owed them a grand for an account that was in debit, but considering I'd closed it several years prior to that, I thought Jeremy Beadle was winding me up!

I will ABSOLUTELY NOT talk to Natwest about money again. Ever. Even if they're the last bank on earth, I would rather hide my money under my mattress.

Natwest are the worst bank i have ever dealt with. They took over 7 weeks to send a fax. After phonecalls whilst on holiday, being chased by solicitors, us directly and our mortgage arranger they discovered they had put the wrong reference number on the fax.

We checked prices with them on mortgages directly but decided to go through another company but Natwest decided they didnt like this and cancelled our application and put their own through directly and then took full payment from my partners account without any authorsation.

We constantly had to chase them and they denied all knowledge of receiving paperwork and didnt have any record of any correspondance. I cant wait for our fixed period to be up so we can forget this dreadful period of paying them for doing nothing.

Be very wary of them, they have no idea what they are doing.

I wouldn't recommend NatWest to my worst enemy! My cat could do a better job than these muppets. We've had nothing but lost paperwork, us chasing them, we've not had one call from NatWest to tell us what's happening...we have had to call them every time.

We started the process before Easter, and we are no closer. Wrong names, no paperwork sent when they said it would be, lost faxes, lost ID and so it continues. As soon as we can, we will be getting rid and I will never recommend or touch them again!

Rude staff, you can never get hold of the ones who make the decisions, so I am sure it's a sort of Wizard of Oz set up where a small green man sits behind a shower curtain hiding from people he's scared of.

The only reason they scored 1 is because there are no minuses to choose!!

The Natwest Mortgage Centre needs lessons in communication and customer service. If you are looking for a fast mortgage approval, or fast response to anything once you get your approval, forget about Natwest. Even though I had received initial "in principle" approval, it took them a month to send out the paperwork. And then when they made a mistake with the address on the mortgage, they refused to amend it quickly and held up exchange. As a consequence I am now in serious danger of missing out on the property I really want. They are lamentably hopeless.